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I know, it’s not a nice thing to think about and you’ve probably got a whole lotta living to do, but it will happen so you might as well be ready. So is funeral insurance a good idea? You need to cover:. Embalming and visiting costs (optional depending on the type of funeral you choose and how quickly you are going to be waiting). Cemetery plot and liner. Cost of casket or container (hardwood caskets, for example, are very expensive, but cheaper containers are available for cremations).

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