The Importance Of A Funeral Insurance To Every Family

Thinking about one’s mortality is a very morbid thing to do that people try to avoid it at all cost. But when it happens to your family or to anyone you know of, the sudden realization of being ready to talk about the elephant in the room becomes very real. It is a melancholic topic to think about but it is necessary to be discussed, and planned for.

The last thing you ever want to happen is finding yourself and your family in a state of quandary when a loved one passes, and you are all not ready financially with the expenses that will arise with the funeral services, and burial that will soon follow. No one wants to be caught off guard when it comes to that so the need for a funeral insurance is really important to every family.

Why is a funeral insurance, burial insurance, or final expense insurance important to every family or household?

  • Eliminate the stress and burden of the surviving family members : – No one wants to see their beloved surviving family members buried neck-deep with debts or IOUs because of the passing of a loved one especially when they are not prepared. A funeral insurance or sometimes called a final expense insurance, also includes a burial insurance to help cushion the financial blow of shouldering the expenses that will incur from someone’s death.

Dealing with the expenses of a burial and funeral services can be a daunting experience especially when there is not much financial aid to partake, to begin with. It is a stressful event for the inexperienced, and those who are not well versed with the requirements needed to facilitate such all these services for a seamless wake, and burial.

The costs can add up quickly when you least expect it . With the funeral insurance plan, the ones left behind will not suffer finding ways to cover the burial and funeral expenses, not to mention the other bills left by the deceased. And those too can add up to the financial burdens of the surviving family if there is no funeral insurance plan to use.

  • Money will be made available quickly : – When a deceased loved one is insured, most funeral insurance policies pay out within 48 hours to ensure that surviving family members will not have to deal with the pressure of paying incurred bills to release some certifications needed for the funeral and burial services.

Imagine not having any funeral policy when something untoward happens to a person; the family is thrown into a compromising situation with rigid timelines to meet or more expenses will add up. This is why many people consider getting a funeral insurance to avoid all the drama, and chaos that may occur when there is a financial quagmire to deal with.

  • Provision of a good wake and other funeral services : – Buying the funeral insurance will give the policy holder the opportunity to choose their own funeral and burial services, including proper resting place depending on the type of plan chosen. This guarantees the insured person that his or her passing will be handled as honorable as possible with the help of the chosen funeral services. It also helps the family members honor the wish of the deceased by providing a burial and funeral service that is preferred.
  • Assurance that bills will be settled : – Upon a loved one’s passing, there may still be other bills that will soon be uncovered, and will require immediate payment. The final expense insurance policy can help pay off the other incidentals and charges that was not discovered earlier like more medical bills, some unpaid credit card bills, cost of travel for relatives who will visit for the wake and funeral service, and even income loss. If the policy paid for is more than the total cost of the burial and funeral services, then balance will be paid out which can be used to settle other bills or let the surviving family start a fresh life.

Buying a funeral insurance whether it is a funeral insurance for seniors or even a burial insurance for parents, is vital. And when buying a funeral insurance, you should make sure that you are buying from insurance providers who are following the mandates in the Cemetery and Funeral Services Regulations. And this applies to the insurance sellers as well.

Having one for seniors, parents, and even for the family will put everyone at ease in the future. The cost of having this kind of insurance is worth every penny in the long run as what is paid for may still be lesser compared to the racked up bills of hospitalizations, senior care, funeral and burial services all in all.

Parents Super Visa Insurance

Importance of Parents Super Visa Insurance

People who have their children/grandchildren settled in Canada desire to visit them and stay with them. But the visa documentation and formalities are huge. So they restrict themselves to one or two visits only. However, the launch of the Canadian Super Visa has the potential to change the game. It is a multi-entry visa and offers multiple benefits.

  • The super visa medical insurance will cover the medical expenses of parents/grandparents while they are in Canada.
  • The Canadian super visa is valid for a period of up to 10 years.
  • Also, it allows multiple entries in the country. Not only this, but the parents/grandparents can stay for upto 2 years on the parents super visa.
  • The parents’ super visa insurance will cover the visa holders for an amount of $100000 at least. This means that your medical expenses will be totally prepaid.

Eligibility Criteria for obtaining Super Visa Insurance for parents

The Canadian super visa holds many benefits no doubt. But, not everyone can get this visa. In fact, there are some strict eligibility conditions which needs to be met before applying. They are given as below.

  • First of all, only the parents/grandparents of the Canadians of the permanent residents of Canada can get the super visa.
  • Secondly, the parents or the grandparents applying for the super visa must have a parent’s super visa insurance. And this medical insurance should be issued by a private Canadian insurance company. And the super visa medical insurance should be valid for a period of at least one year. Further, it should cover the expenses of at least $100,000.
  • When an applicant submits his/her super visa application, a proof of the super visa medical insurance is a mandatory document. So, make sure you get it ready beforehand.
  • Furthermore, just having your kids settled in Canada is not enough. You need to have an invitation from them. And this invitation letter should mention clearly how many people are there in the house of the Canadian citizen. Also, their address should be mentioned.
  • The government wants to know whether your kids/grandkids would be able to support you financially if needed. Hence, they may ask you to provide proper information about them.

Steps to Proceed Further once you are sure you meet Eligibility

Once you are sure that you meet all the eligibility criteria, you can apply for the Canadian super visa. However, this is not enough. You cannot be sure that you will not get the visa. So what are the further steps in the process?

  • CIC (Citizenship and Immigration Canada) is the responsible body for your super visa. So, they will process your documents and see if they are authentic.
  • Once CIC approves your application, it comes to the Visa officer. He can choose to have an interview with you.
  • So, you will get a notification on the time and date as well as place of the interview. Make sure you present yourself at the mentioned place on the mentioned date and time.
  • In some cases, they might ask you to undergo a medical exam too.

Once you clear the medical exam, you will get your super visa. A good thing about the Canadian super visa is that even if they reject your application, they send you a letter of explanation. So you can retry it with better preparation next time.

Minimum Income required to obtain Super Visa

Size of Family Unit Minimum necessary income
1 person (the sponsor) $22,229
2 persons $27,674
3 persons $34,022
4 persons $41,307
5 persons $46,850
6 persons $52,838
7 persons $58,827
More than 7 persons, for each additional person, add $5,989

If you are interested in the Super Visa program,either as a Canadian citizen or permanent resident or as an international parent or grandparent, please take note of the eligibility requirements above and send a detailed email to or check instant price and compare rates on Super Visa Insurance.