Funeral home insurance does not mean that it’s insurance just to cover all of the bad things that could happen to a funeral home. That would be funeral directors’ insurance. Actually, funeral home insurance means that you (as the future corpse) will have all of the expenses of your burial (or cremation) and funeral paid for by an insurance company rather than the pockets of your surviving friends and family. But, does everyone need funeral home insurance? No, but many people do.

By Any Other Name

There are many names that insurance companies use in order to sell funeral home insurance. When you’re looking for funeral home insurance information on the internet, especially, you need to use these other terms: funeral insurance, burial insurance, funeral expenses insurance, final expenses insurance or (and this is the best one) pre-need insurance (because no one will need it while you’re still alive).

If You Don’t Have A Family Or Business

No matter what you call it, the people who need funeral home insurance the most are the people you leave behind. You’ll be dead and beyond bill collectors (so far there is no proof that bill collectors follow you into the afterlife). But your friends, family and business associates will still be liable to pay for all of the bills about your inconvenient and imminently expensive death.

If you don’t have any family, friends a place to live or a job, then you won’t need to worry about funeral home insurance. You have a lot more important and pressing worries to attend to. If you’re doing life in prison, chances are really good that you won’t need funeral home insurance. The state will usually pick up the tab for your burial in that situation.

Leaving Your Body To Medical Science

Another situation where you won’t have to worry about funeral home and life insurance is when you arrange to have your body left to medical science. This entails a lot of other paperwork, depending on the laws in which you live. There are some instances where you would not be allowed to leave your body to medical science, although you could probably leave a part of your body to medical science.

If you were a celebrity, for example, you probably should just get the funeral home insurance and be done with it. Either that, of you’ll get fans adding bits of you to their collections. This could be a very awkward situation for your family.