Montana final expense insurance gives you the power and opportunity to see that your final wishes are taken care of long before such plans would become a necessity. Whether you are simply trying to make sure the funds are available to cover every expense associated with a burial or you want to remove the burden of making these choices from your family at time when they will be emotionally drawn, a quality insurance policy can give you the tools you need. Having an idea of what final plans you would like will also help you determine how much Montana burial expense insurance you will need to purchase.
Planning a Green Burial
Montana is one of the leading states when it comes to cremations and green funerals. If you are passionate about your body preparation an burial being handled in an environmentally friendly way your Montana burial expense insurance coverage can help. You will be able to specify these desires with a final expense director that is familiar with MT laws and local funeral directors that have the tools available to follow the legal guidelines set for those who desire a green burial.
Montana does not have any laws requiring a body to be embalmed, so you will be able to conduct your final memorial without the use of toxic chemicals. It is possible to have an open casket funeral without embalming a body, but the ceremony will need to take place as soon as possible due to the natural decomposing cycle. Your Montana final expense insurance agent can direct you towards a funeral home and director that is familiar with green burial practices and can make the necessary arrangements for you to have the ceremony you desire in a way that fits green standards.
When planning a green funeral you will also need to determine whether or not the MT cemetery you planned to be buried in allows green burials. If the site is too close to a groundwater source or other environmental hazard the state of Montana may not allow human remains to be buried there without the use of a concrete vault which would prevent the natural decomposing process from occurring. Taking the time to make such arrangements in advance through your Montana burial expense insurance will give you the time necessary to do this type of research so your loved ones do not have to worry about their plans being denied later.
In order to complete a green burial, all materials involved in the final casket must be biodegradable, meaning most traditional caskets will not fit Montana green standards. There are several MT woodworkers that specialize in making wood caskets that are suitable for these kinds of needs. You can purchase one in advance or specify the woodworker you would like to use in your Montana burial expense insurance contract. Keep in mind your family will need to make these arrangements early in order to ensure the craftsmanship is finished in time for the ceremony.
The expense of a green funeral is often much lower than the expense of a traditional ceremony but that does not necessarily mean you should purchase less insurance to cover the costs. Legal restrictions on the final resting place of degradable remains in Montana give those looking to include green practices in their insurance policy a limited selection to work with. Having extra funds available will help your loved ones deal with any extra expense that might arise from having to work within these guidelines and restrictions to give you the ceremony that fits within your environmental beliefs.
Even though green funerals are more common in Montana than many other areas of the nation, it can still be difficult to navigate through the legal regulations surrounding such practices without help. Your insurance agent can act as your representative when talking with officials about what planning needs to be done and what will be expected of you in order for your funeral to be considered a green ceremony. Purchasing Montana final expense insurance early will give you the opportunity to do this research early and pay some of the legal expense from the policy funds so you can be sure the arrangements are made successfully.
Reasons for Insurance
Even if you have life insurance you may still need to purchase a specific Montana burial expense insurance policy to be sure your funeral costs will be paid. If you have specified personal funds to take care of these costs, your family may not gain access to them until long after the ceremony has been completed. Your Montana final expense insurance will be ready for them to use in as little as 24 hours after the claim has been filed insuring that they will have everything they need to handle the necessary preparations.