The death is still a taboo subject in our society, this fact
is also due to the fact that only few older people remember that to get the
survivors in case of death high cost. Not only the funeral expenses for the
coffin and the grave site must be paid, and the celebration ceremony, obituaries
and various errands help that a considerable amount of financial expenses is
necessary. As the survivors are responsible for a befitting burial, it is
recommended and useful for the elderly, in time to meet with a death benefit
that adequate provisions to impose any financial burden on the bereaved.
Determine the appropriate sum insured
The importance of private insurance death has still
increased also and above all by the complete elimination of existing since the 1883
death benefit from the scope of the statutory health insurance. At the
conclusion of the private insurance death one should pay attention to a
reasonable sum insured, so that the financial expenses can be really covered. As
a guide today, an amount of five thousand euros for costs around a funeral. This
coverage should therefore be considered a minimum value, also because
additional expenses could be added, such as rules relating to grave care.
Also, the disbursement procedures are governed
Of course in a death benefit and the payment arrangements
shall be specified. The policyholder can be chosen freely to the person
entitled to which the insurance amount will be paid in case of death. Is not a
person entitled to specify the heirs get the appropriate insurance coverage. You
can use the funeral home as beneficiary of course, if you have made a prior
agreement.
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