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BY CATHY CARTER
Losing a parent is an emotional and painful experience, no matter how old you are. Thinking about your parents no longer with you could be your biggest fear come to life. The agony of losing your parents will be immense if you need to worry about paying for the funeral, among other things. Buying a final expense policy for parents is a great way to grieve without considering your financial uncertainties.
You can choose a suitable final expense insurance policy at platforms like https://insuranceforfinalexpense.com/ for your parents. It will guarantee that you will give them a reverent and humble burial when they pass away. Final expense policy is not an easy subject to speak about, but getting it for parents should be your priority.
How Massive is a Final Expense Life Insurance Policy?
Final expense insurance plans range from $10,000 to somewhat $100,000 in 2020. Earlier, these policies were smaller death benefits, but a surge in the cost of funerals and wrapping up bills and the estate has compelled companies to increase the face amount of new policies. It is to keep up with inflating prices. The standard final expense policy sold is about $25,000 at the face value.
The funeral price is rising each year, making the demise of a parent a real and an approaching expense. For example, the average cost of a funeral can be $10,000 or more. It encompasses things such as burial or cremation costs. If your parents have unpaid medical debts, these will also fall on your shoulders at a time when you are already grief-stricken.
The sooner you realize this fact and take the necessary action, the easier it will be for you to pay for these expenses in time. Following are points you should consider when buying a final expense policy for your parents.
Talk to Your Parents
Talk to your parents about their personal preferences and wishes. According to some experts, you should follow the 40/70 rule: By the time you get 40, and they are 70, speak with them about final arrangements and crucial aging issues.
Ask them questions like What type of funeral do they want? Would they prefer to be buried or cremated? What kinds of insurance for parents do they need? It may not feel very comforting to have this conversation, but it will make everybody feel better about what is to come.
Depending on your parents’ wishes, it’s a smart idea to plan for sufficient insurance to cover the utmost expected expense of the funeral, plus any extra costs, such as hospital medical bills. When considering buying final expense insurance for your parents, the following are a few steps that you will need to take:
- Your parents should consent if they are legally allowed to do so.
- You require their Social Security number and other personal details.
In case you talk ahead of time with your parents, things will go much more smoothly once the time comes to purchase a policy.
Follow the Criteria
Look for the below-given criteria when you search for the right final expense insurance:
- Find a final expense insurance company with financial stability. The company should have a financial track record that can pay out all entitlements.
- Select the policy with the lowest monthly premium
- Choose a funeral policy that will get your parents protection as soon as possible
Are the Third Party Costs Covered?
Make sure that the final expense policy includes a contribution to third party expenses. These expenses are characteristically known as disbursements and encompass costs such as doctor and minister fees. Since these fees are not the responsibility of the funeral directory, they may not promise them. If these disbursements are not covered, you may end up paying the balance.
Check the Waiting Period
Pay attention to the waiting period. Do your parents have a terminal illness? Are they nearing the end of life? Well, if so, you should look for a policy that doesn’t have a waiting period, or you may not receive the amount you expected to help with the funeral and other medical expenses.
Pick a Good Payment Plan
For most of the final expense policy plans, you may need to pay every month. However, you can pay these policies once per year. It may work out to cost savings in the end. Most carriers do not accept credit cards, but they can charge you a small fee if they do.
To sum up, these points will help you get the best final expense insurance policy for your parents. Why pay more than you need to? If you stay patient and spend a little more time comparing the plans, you can get a much better insurance policy. (IANS)
(Disclaimer: The article is sponsored, and hence promotes some commercial links.)
Along with the undeniable natural beauty, the Kashmir valley has developed a reputation for adventurous activities like trekking, hiking, and river rafting. Kashmir has maintained its charm, allowing us to time-travel into beautiful destinations which make one forget about the stress and worries of life. The hikes in Kashmir offer adventurers to go on a self-discovery trip through nature's lap over the mountains while taking in the breathtaking scenery that surrounds them on their journey. In addition to the hikes, there are many thrilling adventure activities, like rock climbing, rope climbing, etc. Trekking across the region of mountains and lakes will allow you to experience living in the "Paradise on Earth," and you wouldn't want to return to your regular life after that.
The following are some of the finest hiking destinations in Kashmir:
#1: Kashmir Great Lakes Trek: You will be transported to a heavenly and unseen aspect of Kashmir on the Kashmir Great Lakes Trek. In addition to three high-altitude passes and five river valley crossings, this is the only trip in the Himalayas that includes seven alpine lakes, each of which is a stunning shade of green, blue, or turquoise. The extravagance is limitless and breathtakingly stunning every day: infinite blue sky, a larger-than-life backdrop of the Rocky Mountains, colourful meadows overflowing with wildflowers, river crossings are just a few examples of what you will encounter during the trek.
You will be transported to a heavenly and unseen aspect of Kashmir on the Kashmir Great Lakes Trek. | Photo by prayer flags on Unsplash
#2: Sonamarg-Vishansar-Bandipora Trek: The Sonamarg-Vishansar-Bandipora trek is a one-of-a-kind experience that provides a glimpse into Kashmir's undiscovered regions. Sonamarg, famously known as the Meadows of Gold, is the starting point for this fascinating journey that is the perfect experience for anyone looking to get away from the frantic tourist rush. This trek is a fascinating journey that allows nature enthusiasts to bask in the splendour of nature's grandeur. The trek goes over many high mountain passes, some as high as 4000 metres in elevation. The hiking route, in addition to providing breathtaking views of the magnificent Vishansar Lake, provides visitors with the chance to see more than 50 alpine lakes.
Sonamarg, famously known as the Meadows of Gold, is the starting point for this fascinating journey. | Photo by YASER NABI MIR on Unsplash
ALSO READ: Top 10 Beautiful Sights To VIsit In Kashmir
#3: Tral-Narastan-Marsar Trek: The Tral-Narastan-Marsar trek is filled with a range of exciting experiences from beginning to end. The hiking trail passes past a waving saffron field, beautiful meadows, and several streams. The path also crosses the Dachigam National Park, where there is an opportunity to see various animal species. Trekkers may take in spectacular views of the high mountains running parallel to them as they cut and pass through Narastan, a Hindu pilgrimage place.
The Tral-Narastan-Marsar trek is filled with a range of exciting experiences from beginning to end. | Wikimedia Commons
#4: Chhatargul-Mahlish-Gangabal: The journey, which passes through beautiful locations such as Chattargul, Mahlish, Kolsar, and Trunkul, provides a peek into an utterly uninhabited wilderness of Kashmir. There are lakes and meadows adorned with flowers along the route as one trek into the alpine wilderness. Trekkers can also enjoy fishing in the crystal clear lakes, camping, or just seeing towering snow-capped mountains while on their journey.
There are lakes and meadows adorned with flowers along the route as one treks into the alpine wilderness. | Wikimedia Commons
#5: Kolahoi Base Camp Trek: The Kolahoi Base Camp trek in Kashmir has been famous since the early 1900s and has been a goal for many seasoned hikers from across the world. While Srinagar serves as the beginning point for the trip, it is in Aru Valley that the actual hiking begins. The Kolahoi Base Camp Trek is a gentle adventure that is ideal for novices and families with children. The breathtaking sight of the peaks rising into the sky on the horizon of the Pirpanjal and Karakoram ranges is certainly worth capturing. It is considered to be one of the most popular treks in the Kashmir valley.
The Kolahoi Base Camp Trek is a gentle adventure that is ideal for novices and families with children. | Wikimedia Commons
Kashmir's natural splendour, with its beautiful valleys and towering mountains, is really unlike anywhere. Trekking through various valleys and peaks while taking in the scenic beauty is something that always calms the heart and provides us with memories that we will remember for a lifetime.
Keywords: Kashmir, Lakes, Alpine, Hiking, Trekking, Treks, Sonamarg, Gangabal, Kolahoi, Chhatargul, Mahlish, Tral, Narastan, Marsar
The Pitru Paksha starts after the Full Moon day, and this day marks the beginning of the waning phase of the Lunar cycle. This event is roughly of 15-day period, and is of great significance. From this day, rituals like Tarpan or Tarpanam and Shradh are carried out to pay respects to dead relatives and ancestors.
It is believed that from the very first day till the last day, the unhappy souls of the deceased return to the Earth to see their family members. So, in order to ensure that the dead attain Moksha, i.e. to get liberation, family members of these souls quench their thirst and satisfy their hunger by performing the Pind Daan, which includes offering food consisting of cooked rice and black sesame seeds. The literal meaning of Pind Daan is the act of satisfying those who no longer exist physically.
For fifteen days, prayers are offered in temples and rituals are performed to help the souls get free from the cycle of birth, life, and death, and attain salvation.
At the same time, the Pitru Paksha is also an important period for people with Pitru Dosha, which means the curse imposed by the ancestors. Hence, in order to ask forgiveness, people perform Shradh rituals and offer food to the crows, who are considered as living beings that represent the dead. It is believed, if the crow eats the offered food, the ancestors are happy and pleased. But, if the crow doesn't eat the offered food and flies away, the ancestors are not happy.
The event of Pitru Paksha is widely observed by Hindus from all over the world, and they perform prayers and rituals in order to gain their ancestors blessings.
At the heart of Bangalore city, a large 300-acre space of lush greenery and heritage stands as a symbol of the city's past, present, and future. Cubbon Park is every child's favourite park, every Bangalorean's haven of fresh air, and altogether, the city's pride.
It stands testament to the past, in terms of the diversity of flora it houses. Bangalore traffic in the recent past has grown into a menace, but the stretch between MG Road and Cubbon Park is always a pleasurable place to stop and wait for the signal to turn green. The gust of wind that blows here, and the smell of mud, coupled with floral scents instantly transports citizens to Old Bangalore, where the weather was fine, and the trees loomed over roads with thick canopies that did not even allow rainwater to penetrate. Cubbon Park is also a historical site, and one of the few remaining monuments of colonial heritage in Central Bangalore. It houses many statues and among them, the most famous is that of Queen Victoria, which faces the St. Mark's Square.
The stretch outside Cubbon Park is cool and well-shaded from the canopy of trees over it. Image source: wikimedia commons
At present, Cubbon Park is known for the cultural hub that it is. It houses Jawahar Bal Bhavan, which is a large theatre that hosts film festivals through the year. Festivals, poetry open mics, and other such shows are conducted on the lawns every Sunday. A small stream runs through the park, where boat rides are held occasionally when the water level is high enough. There is a children's park on one corner, and a government-maintained aquarium, two-storeys tall, with exotic fish.
The Park has been renamed many times in the past. It was originally named Meade's Park, after Sir John Meade, the acting commissioner of Mysore in 1870. It was later changed to Cubbon Park after Sir Mark Cubbon, who was the longest-serving commissioner of the Mysore state. In 1927, the park was renamed after the Mysore Maharaja Sri Krishna Wodeyar, to celebrate his silver jubilee, since the park was developed during the reign of his ancestors. Even though it is officially named Sri Chamrajendra Park, it is still known as Cubbon Park all over the city. In fact, Bangalore was alluded the sobriquet of 'Garden City' because of the rich botanical diversity of this park.
Art Installation at Cubbon Park Image source: wikimedia commons
In many parts of the country, governments have renamed structures, places, and cities to remove traces of colonialism. But, in a city like Bangalore, there is too much evidence of the British rule. Many of the most prominent attractions of the city are known by their British identities despite the change in name. Even the city's name continues to be Bangalore, despite having been changed to Bengaluru. Last year, the British era and its achievements were celebrated in Cubbon Park when Sir Mark Cubbon's statue was moved from the grounds of the Karnataka High Court and placed in the Park.
Keywords: Cubbon Park, Mark Cubbon, British Colonialism, Cultural hub, Garden City