Payment and waiting times paid many people close funeral – payment and waiting a funeral from aiming to charge the relatives with the cost of a funeral. But what if the death occurs and the funeral yet not at all or only in the small scale? The possibility to inform themselves in advance of the funeral services. Independent insurance brokers can cater to the wishes of the customers, because they can draw on a variety of companies. Active since 1984 Versicherungsmakler IAK GmbH provides an overview from over 30 plans for the funeral. The latency of a funeral is usually three years. When it come to the funeral, only the contributions less expenses are paid in the first three years.
For many members the sobering-up added to death, if not even nearly covered the cost can. At the funeral, some companies offer different models based on shorter maturities. The GE-BE insurance in Bremen allows concluding a burial without having to wait. Here the insured person must confirm but with conclusion of the contract, that he is healthy. The Munich Funeral Association (MBV) under the umbrella of the LV 1871 offers another variant of Munich.
In the MBV, latency is staggered according to the age. Until the 49th year of life is here also the waiting period of three years. From the 50th to the 59th year, the wait time is two years and from the 60th year of life 12 months waiting period will apply. Also the services be paid out in the waiting time from 60 years graduated after six months. The insured person dies after seven months, half of the insurance amount will be charged. From the seventh month, performance is then lifted to 1/12 so that after 12 months, the full service is provided. The ARAG offers a different model with her funeral: you refundable after one year two-thirds of the sum of insured will be one-third of the sum of insured, after two years due. More exceptions are the twelve months, the Condor with 18 months and the SwissLife Itzehoe Lebensversicherungs AG, as well as inter life insurance with 24-month waiting period. This resulting in a whole range of variants, according to which the insured person fitting his burial can choose.