How Can I Make Sure the Death Benefit is Used the Way I Want?

To make sure your death benefit is used the way you want, you can make funeral arrangements now, choose more than one trustworthy beneficiary, and let those beneficiaries know ahead of time.

What is the Death Benefit and How Does it Work?

A death benefit is a sum of money paid when the owner of a life insurance policy passes away. This amount will vary depending on the type of policy you purchase. For final expense insurance, you can set a death benefit of anything from $2,000 up to $50,000.

However, if the owner of the policy passes away without receiving the money themselves, you may be asking, who gets the death benefit of a life insurance policy? When the policyholder signs up for a plan, they not only designate the amount of the death benefit, but who it goes to as well, known as a beneficiary.

Choosing the right beneficiary will make-or-break how your death benefit is used.

Make Funeral Arrangements Ahead of Time

One way you can ensure that your death benefit is used the way you had intended is to simply plan your funeral yourself. Not a fun endeavor, but a very common and practical one nonetheless. 

By making arrangements with a funeral home, you not only get an exact price to account for in the death benefit but can also make the lives of your beneficiaries much easier and simple. This way, all they have to do is transfer the funds to the funeral home when the time comes.

Choose a Trustworthy Beneficiary

Of course, the beneficiary themselves is likely the most important way to make sure your death benefit is used the way you had intended. You want to name someone you love and trust to use the funds properly, perhaps a spouse or adult child.

You want to make sure, whoever you choose, that they are able to receive and use the death benefit properly. Naming a minor or disabled person might seem like a nice option, but it may cause taxation and benefits issues for them.

Choose Multiple Beneficiaries

When naming a beneficiary, you will want to choose more than one. After the primary beneficiary, you can have a secondary, tertiary, and so forth. This ensures that if your primary beneficiary passes before or experiences issues using the death benefit, it will instead be issued to the next in line, making sure it ends up in the right hands.

You can also name more than one primary. If you have multiple beneficiaries, they can delegate duties amongst themselves to make sure all of your wishes are accounted for while relieving the pressure on one person to handle all of it. 

Talk your plans out with all of your beneficiaries ahead of time. If everything is out in the open, nothing is left up to question, ensuring that every penny of your death benefit is used properly.

Get the Best Insurance Advice—Call Final Expense Direct

To learn more about final expense policies and the death benefit provided to your beneficiaries, call Final Expense Direct in Houston, Texas at 1-877-674-0236.


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