ANYONE who "presents" or hands over ANY insurance policy to a funeral home, whether with a POA or by any other means, has no business handling an estate. A competent funeral director will handle getting the certified copies of the death certificate to the beneficiary, who should have enough common sense to contact the insurance company and obtain the proper instructions to file a death benefit claim. The proceeds of the policy should go directly to the beneficiary, without anyone, including a funeral home, acting as an intermediary.
If you can handle a calculator and balance a checkbook, you're smart enough to file your own claim for the death benefit from a spouse's policy. Just make sure that any paperwork sent via mail to the insurance company goes certified mail, with return receipt or other proof that it reached its destination. Then when you recieve the proceeds, you can pay the funeral costs out of that. As long as you don't sit wringing your hands, you can have that check in a couple of weeks, if your insurer is any good at all. And most reputable funeral directors will work with you for a couple of weeks.
But don't buy into the insurance industry-speak that it's a mysterious world of mumbo-jumbo that only specially trained people can understand. Find an agent you can trust, and ask questions. If you don't like the answers you get, find another company and agent and ask those same questions...and so on, until you fully understand the options you have, and the procedures you need to follow, and you find a policy that covers your needs. DON'T take the first option you see. Compare agents, compare comapnies...and if you end up back where you started, you'll at least end up with peace of mind knowing you did your homework. And if your agent is selling you a policy as an investment, RUN the other way...FAST!!! Insurance is not so much an investment as a wager: the company is betting you're not going to die before they make a ton of money on you, and you're betting that you will. The peace of mind behind insurance is knowing that there's a set amount the beneficiary will receive no matter who wins the bet. So make sure the face value of the policy is enough to ensure that peace of mind.
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