O/T Are your families takin care of???
One of my closest friends aunt passed away last week. The funeral is today . She left behind a daughter 24 years old who just buried her father a week prior. They are having a very hard time paying for her funeral due to issues with the life ins policy!!!!
I can only speak of experience as a black person. But why do we always leave our loved ones to pick up the slack of funeral cost. I can personally speak on this because when my grandmother passed my family and had to borrow from other family members. My mother does not have life ins herself. I called her today to remind her just how this frustrates me. I have a lil sister that needs to be secure when she passes. I however do not want anything but that. This really bothers me because the story seems the same when I hear about a passing. Please make sure you take care of those around you and talk about your plans. The last thing we want is to have aunt ester ( the one we have not talk to in years) in charge of arrangements cause she has the check book!!!
I can only speak of experience as a black person. But why do we always leave our loved ones to pick up the slack of funeral cost. I can personally speak on this because when my grandmother passed my family and had to borrow from other family members. My mother does not have life ins herself. I called her today to remind her just how this frustrates me. I have a lil sister that needs to be secure when she passes. I however do not want anything but that. This really bothers me because the story seems the same when I hear about a passing. Please make sure you take care of those around you and talk about your plans. The last thing we want is to have aunt ester ( the one we have not talk to in years) in charge of arrangements cause she has the check book!!!
130LBS GONE!!!
Say that, Candace! 
My insurance rep (a Black man) encouraged me to get a small policy - aside from anything else I might already have in place - and make the beneficiary the funeral home that I want to take care of me after my passing. That way, my family won't have to worry about how to pay for any of those expenses. And since I live so far from home (Oklahoma), this will also enable them to transport my body back for burial - without worrying about how to pay for it.
This stuff isn't easy to talk about, but we have to take our collective head out of the sand.
My insurance rep (a Black man) encouraged me to get a small policy - aside from anything else I might already have in place - and make the beneficiary the funeral home that I want to take care of me after my passing. That way, my family won't have to worry about how to pay for any of those expenses. And since I live so far from home (Oklahoma), this will also enable them to transport my body back for burial - without worrying about how to pay for it.
This stuff isn't easy to talk about, but we have to take our collective head out of the sand.
Candace, you are so right. Many folks, including me at one time, have a hard time considering funeral plans, but when I began to think of it as making it easier for my children and husband it was much easier and made a lot of sense. We have to love beyond our discomfort enough to make those financial arrangements so that our family is not left with additional pain or stress. Thanks for posting this, it is a very important post that requires action immediately!
Raquel.
Raquel.
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~ Yet Pressing ~
I definitely agree Candace and even though my daughter is only 2 I have made provisions for her that I pray she doesn't have to worry about anytime soon. I think it's sad and only makes the grieving process harder when there are money issues surrounding the funeral and burial of a loved one.
My sister is a mortician and she says it is so sad when she deals with a family who has to bury a loved one and are financially unprepared. I think many people of our race have a different idea of life insurance. Sometimes we think to get life insurance is to admit that we will die one day and we are right, we all must travel that road so why not make proper provisions. Other times, we have a selfish mentality, thinking we should leave nothing behind for anyone to "enjoy". For instance, my aunt made sure to only get enough to barely cover her funeral, because in her words "ain't nobody getting rich off me". My thinking on this is simply, why not love your family enough to provide them with something that, while it won't take the sting from your passing, will surely help with other financial issues they could encounter thereby easing some "strain" on them.
I wish more of us would consider this and make sure we have our ducks in a row. Also, I would caution people to not only get insurance on themselves, but on their children and grandchildren if they can afford to. As much as we hate to admit it, none of us are promised tomorrow. I lost my 5 year old nephew in January to an asthma attack. Thankfully, it was my sister's grandson so the funeral was practically free. Had it not been, this poor baby may have had to be cremated!
I know you didn't ask all of this, but having lost way too many family members over the last 5 years, this subject is very near and dear to my heart.
Mere
My sister is a mortician and she says it is so sad when she deals with a family who has to bury a loved one and are financially unprepared. I think many people of our race have a different idea of life insurance. Sometimes we think to get life insurance is to admit that we will die one day and we are right, we all must travel that road so why not make proper provisions. Other times, we have a selfish mentality, thinking we should leave nothing behind for anyone to "enjoy". For instance, my aunt made sure to only get enough to barely cover her funeral, because in her words "ain't nobody getting rich off me". My thinking on this is simply, why not love your family enough to provide them with something that, while it won't take the sting from your passing, will surely help with other financial issues they could encounter thereby easing some "strain" on them.
I wish more of us would consider this and make sure we have our ducks in a row. Also, I would caution people to not only get insurance on themselves, but on their children and grandchildren if they can afford to. As much as we hate to admit it, none of us are promised tomorrow. I lost my 5 year old nephew in January to an asthma attack. Thankfully, it was my sister's grandson so the funeral was practically free. Had it not been, this poor baby may have had to be cremated!
I know you didn't ask all of this, but having lost way too many family members over the last 5 years, this subject is very near and dear to my heart.
Mere
“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness, that frightens us most.
GM Mere,
Thanks for all the information. It's always good to hear personal situations and outcomes. It makes learning about the process so much easier. Insurance through employers can also be very expensive and having one outside is smart too!!!
ain't nobody getting rich off me". Girl we have all heard this so sad but sometimes it applies to the situation.
I have always told my mom I want nothing BUT piece of mind for my lil sis. I will take care of her w/o question.
So sorry to hear about your nephew that puts everything in perspective.
ain't nobody getting rich off me". Girl we have all heard this so sad but sometimes it applies to the situation.
I have always told my mom I want nothing BUT piece of mind for my lil sis. I will take care of her w/o question.
So sorry to hear about your nephew that puts everything in perspective.
130LBS GONE!!!
Candace with me working for a law-firm and seeing several of "them" come into the office for wills, etc, I wrote a will several years ago. I have (2) insurance policies outside of the one the firm provides. I also have insurance on my home in case I die the mortgage will be PAID, since the house was purchased before I married.
So sad how many of us live for "NOW" and not the future. Great post!!
So sad how many of us live for "NOW" and not the future. Great post!!
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