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2. Leave Memories, Not Bills — The Bills Can Add Up

The bills can add up. However you choose to be remembered, the bills can add up quickly. Without life insurance, your grieving loved ones will be left to pay for your final expenses. Even a modest funeral can cost an average of about $10,000 or more* — and cremation isn’t always a lower‐cost alternative.

Plus, your family may have to deal with any debts you might leave behind. They’ll be forced to manage with whatever you did or didn’t do — whether it was addressing legal issues (like having a will), or managing your belongings. The more you plan ahead, the easier it will be for your loved ones.

* “What are the average funeral costs to expect?”, us‐funerals.com, website of US Funerals Online, June 8, 2013

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