by Guest » Mon Jan 03, 2011 02:10 pm
My mother died unexpecantly yesterday from a heart attack, which leaves me with the care of my over 80- almost 90 year old grandmother. I was informed she didn't have life insurance on my grandmother. My gandmother is in good health but has alzhimers. I have to move her from texas to washington state where I live now. she already has a burial plot and I believe a headstone, she had insurance untill she started getting alzhimers and she quit paying the premiums. I'm looking for a policy that can maybe cover the funeral and the flying of her body back to south texas after she dies, it's so morbid to think about, but I just made my mothers araingments and it cost a little over 7k but I didn't have to have her flown anywhere, luckaly she did have insurance. I don't need any extra money over that, although some would always be nice. can anyone tell me what kind of policy I should be looking for or if there is even one?
Posted: Mon Jan 03, 2011 07:46 pm Post Subject:
This is the sort of thing a "final expense" policy would cover, but at your grandmother's age and with her diagnosis, you may not be able to find any coverage. If you do, it will not be inexpensive.
An alternative would be a "prepaid funeral" plan that covers your contingent expenses. The movement of the body from WA back to TX will be one of the largest expenses, and would not be part of the "prepaid funeral" expenses (those would be mortuary services -- in TX, not WA -- and any cemetery charges).
Not a good situation to be in. Speak with a local agent in TX about the availability of various plans to meet your need.
Posted: Tue Jan 04, 2011 05:07 am Post Subject:
thankyou so much for your reply this is such a trying time, and alot of things for me to keep up with.
Posted: Tue Jan 04, 2011 05:07 am Post Subject:
thankyou so much for your reply this is such a trying time, and alot of things for me to keep up with.
Posted: Wed Jan 05, 2011 11:45 pm Post Subject:
Yes a prepaid arrangement is most like the best way to go about this situation. It's going to be extremely tough to find an insurer who is willing to issue a policy on someone like this. The Alzheimers is a definite deal breaker.
If she has a plot, perhaps go to the funeral home that arranged this (typically they take care of this).
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