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How to Discuss Final Expenses with Your Family? An Emotional & Practical Guide- Presented by Final Expense Brokerage of America


The mere thought of discussing life’s inevitable end can be unnerving. It’s a topic that delicately balances difficult feelings of love, care, vulnerability, and planning. As the saying goes, there are two certainties in life: taxes and death. While the former might seem easier to confront, it’s the latter that truly tests our emotional mettle. If you’re reading this, chances are, you’ve already wrestled with your feelings about it. The next step, however, can be equally, if not more challenging: bringing your family into the fold.

Final Expense Brokerage of America recognizes the complexities that surround such discussions.

That’s why we’ve curated this guide – to walk you through the process, balancing emotion with practicality, ensuring your family understands your decisions and is prepared for the future.

Understanding Your Own Feelings First 

Final Expense

Before diving into a discussion about final expenses with your family, it’s essential to first take a personal journey. It’s about coming to terms with your feelings about life, its eventual end, and the legacies we leave behind. Here are some details to guide your introspection:

Personal Emotions: 

Recognize that it’s natural to feel a swirl of emotions. Fear, denial, sadness, or even anger are common reactions. Remember, there’s no “right” or “wrong” way to feel. It’s about acknowledging these emotions and giving yourself time to process.

Legacy Reflection: 

Think about the legacy you wish to leave behind. Beyond material assets, this might include memories, values, lessons, and even simple joys. How do your final expense arrangements tie into this legacy?

Practicality Meets Emotion: 

Understand that opting for final expense insurance isn’t just a cold, practical decision. It’s a deeply emotional one, intertwined with love, care, and responsibility towards those we hold dear.

Seek External Perspectives: 

Sometimes, speaking to a counselor, or close friend, or reading testimonials can help in framing your feelings. At Final Expense Brokerage of America, we’ve seen countless individuals grapple with these emotions. You’re not alone in this journey.

By comprehending your feelings first, you’ll be better equipped to communicate with empathy and clarity. It’s not just about convincing your family or explaining the practicalities; it’s about sharing a deeply personal decision, one rooted in love, foresight, and the hope of ensuring a seamless transition for loved ones.

Setting the Scene for a Productive Conversation

Setting the Scene for a Productive Conversation

Finding the right moment and setting can significantly influence the direction and tone of your conversation about final expenses. It’s crucial that everyone feels at ease and understood. Here are some steps to ensure a conducive environment:

Choosing the Right Environment: 

The setting matters. Select a quiet and comfortable place, free from daily distractions. It could be your living room, as pictured, or a serene outdoor setting like a garden. The key is to choose a place where everyone feels safe and relaxed.

Timing is Everything:

Pick a time when family members are least stressed and most receptive. Avoid moments when they’re preoccupied with work, personal troubles, or other pressing matters. Sometimes, setting a specific date can help, allowing everyone to mentally prepare for the discussion.

Have Support on Standby:

It can be beneficial to have a trusted individual present, someone outside the immediate family circle. This person can be a counselor, a close friend, or even a representative from the Final Expense Brokerage of America. Their role? To provide clarity, answer questions, and offer emotional support.

Prepare Yourself Mentally:

Revisit Section 2. Remember your reasons, both emotional and practical, for broaching this topic. This mental prep will keep you grounded, especially if the conversation takes unexpected turns.

By taking these measures, you not only show your family the importance of the topic but also demonstrate respect for their feelings and concerns. The aim? To make this challenging conversation as smooth and constructive as possible.

Starting the Conversation

Starting the Conversation

Initiating a dialogue about final expenses can be one of the most daunting steps. It’s not just about conveying facts; it’s about opening up a space for feelings, questions, and mutual understanding. Here’s how you can gracefully lead into the topic:

Begin with Affection:

Always start with an expression of love. “I’ve wanted to discuss something important because I care about our family’s future,” can set a positive, caring tone right from the outset.

Use Personal Stories or Experiences: 

Sometimes, referring to a recent event, a story you heard, or even an article (like this one) can be a less abrupt way to broach the subject. For instance, “I recently came across an article by the Final Expense Brokerage of America, and it got me thinking about our family.”

Open-ended Questions:

Engage them actively. Ask questions like, “How do you feel about planning for the future?” or “Have you ever thought about final expense preparations?” This ensures they’re not just passive listeners but active participants in the conversation.

Stay Calm and Patient: 

Be prepared for a range of reactions. Some family members might be receptive, relieved that it’s no longer an elephant in the room, while others may react with shock, sadness, or even avoidance. It’s essential to stay patient, acknowledge their feelings, and give them the space they need.

Share Your Motivation:

Emphasize that your primary reason for considering final expense insurance isn’t about money, but about ensuring peace and ease for the family. Make it clear that this is about love, responsibility, and foresight.

Conversations about final arrangements are never simple. They’re layered with emotion, apprehension, and, sometimes, resistance. But by approaching the topic with empathy, understanding, and a genuine sense of care, you can make the dialogue more constructive and comforting.

Addressing Common Emotional Responses

Addressing Common Emotional Responses

When broaching a topic as sensitive as final expenses, expect a spectrum of emotions. Some reactions might surprise you, while others could be anticipated. It’s essential to be prepared for them all, ensuring the conversation remains open, understanding, and supportive.

Understanding the Initial Shock: 

Most people don’t discuss end-of-life arrangements regularly. The sudden introduction might lead to silence or a sense of shock. It’s crucial to allow a moment for this news to sink in and to understand that initial reactions are not the final verdict.

Managing Resistance: 

Some family members might express outright denial or discomfort. Phrases like, “This isn’t the time,” or “Why think about such morbid things now?” are common. In these moments, reiterate your reasons, focusing on care, future planning, and the desire to avoid added stress during already challenging times.

Validating Feelings: 

Always acknowledge their emotions, even if they differ from yours. Statements like, “I understand how you feel,” or “It’s okay to be upset or confused” can bridge emotional gaps and establish a mutual respect for feelings.

The Emotional Rollercoaster: 

It’s not uncommon for the conversation to shift between tears, laughter, and poignant memories. These moments, though emotionally charged, can provide a profound connection, underlining the importance of the topic at hand.

Offering Reassurance: 

If the conversation feels heavy or overwhelming, it might help to break it up over several sittings. Remind them that this isn’t a rushed decision, but rather, a journey you want to embark on together.

Every family is unique, with its dynamics, emotional thresholds, and communication patterns. The Final Expense Brokerage of America advises that understanding and patience are the cornerstones of navigating these emotional responses. By acknowledging feelings and addressing concerns head-on, you’re laying the foundation for a productive and heartfelt dialogue.

Turning Emotion into Action

Turning Emotion into Action

All the emotions, discussions, and insights derived from your conversations about final expenses should ideally pave the way for proactive planning. This is where emotion merges with practicality, ensuring your loved ones aren’t caught off guard when the time comes. Here’s how you can transform heartfelt conversations into actionable steps:

Revisit the Purpose: 

Once emotions have been aired and acknowledged, revisit the core reason behind the conversation. It’s about reducing stress, and financial strain, and offering a seamless transition for family members when you’re no longer around.

Research Together: 

Bring your family into the decision-making fold. Explore different final expense options online, perhaps starting with the offerings from Final Expense Brokerage of America. This collective approach can foster understanding and mutual agreement.

Seek Expert Counsel: 

Consider setting up a meeting with a representative from our brokerage or another trusted final expense insurance advisor. They can shed light on policy specifics, costs, benefits, and other intricate details, answering any lingering questions.

Draft a Preliminary Plan: 

Begin jotting down your wishes, preferences, and the type of coverage that aligns with your needs. Having a tangible document can help in making the discussion more concrete and actionable.

Review Periodically: 

Understand that feelings and circumstances change. It’s a good idea to revisit the topic and your plans occasionally, ensuring they still align with your family’s evolving needs and wishes.

The journey from discussing end-of-life arrangements to actualizing them can be emotional, but it’s also a practical step in safeguarding your family’s future. It’s about preempting the unexpected, offering solace, and ensuring your legacy is honored in the way you envision.

Embracing the Comfort of Preparedness

Embracing the Comfort of Preparedness

After wading through waves of emotion and delving into the practicalities, there’s a newfound sense of peace that emerges. This comfort stems from knowing you’ve taken steps to protect your family’s future. Here’s how to embrace and appreciate this newfound comfort:

Recognizing the Relief: 

With decisions made and plans in place, there’s a tangible weight lifted. Celebrate this relief, understanding that while the initial discussions may have been tough, they have led to a secure and planned future.

Open Dialogue: 

Keep the channels of communication open. Your family, having journeyed through this process with you, might have evolving thoughts or questions. Encourage them to share, ensuring everyone remains on the same page.

Legacy Building: 

With final expense matters sorted, it’s an opportunity to think beyond the tangible. Consider writing letters, making videos, or creating keepsakes that resonate with your life’s essence. This can be a therapeutic process for you and a treasured memory for your family.

Annual Check-ins: 

Encourage an annual review of the final expense plans. These check-ins can be a blend of practical discussion (checking if any policy updates are needed) and emotional touchpoints (reflecting on memories and shared family moments).

Cherishing the Present:

With the future thoughtfully planned for, there’s a heightened appreciation for the present. Use this as a reminder to cherish every moment, create memories, and strengthen bonds.

At the heart of this journey is love. Final Expense Brokerage of America understands that behind every policy number and every formal plan is a story of a family, of bonds, and of the desire to ensure the best for our loved ones. As you embrace this comfort of preparedness, remember that you’ve given your family a gift that transcends monetary value – the gift of peace, forethought, and enduring care.


The Harmony of Heart and Preparation

Final expense planning, as we’ve explored, is a delicate interplay of emotion and pragmatism. While it is rooted in love, foresight, and the desire to protect our loved ones from unforeseen hardships, it’s also about embracing the responsibility of practicality, ensuring that one’s legacy is passed on seamlessly.

A Journey, Not a Destination: 

Remember that this process isn’t just about the endpoint of securing an insurance plan. It’s about the conversations had, the feelings shared, and the bonds that are strengthened along the way.

Empathy is Key: 

Throughout this exploration, if there’s one thing to underscore, it’s the importance of understanding and empathy. Whether you’re the one initiating the conversation or on the receiving end, approach it with an open heart and mind.

The Final Expense Brokerage of America Commitment: 

We are not just here to provide insurance; we aim to guide, support, and be a resource for families as they navigate this intimate conversation and decision-making process.

Embracing Tomorrow: 

With plans in place, there’s an empowering sense of readiness for whatever the future holds. It’s a testament to the resilience of the human spirit, the ability to plan for tomorrow while cherishing today.

Embracing Tomorrow

To all our readers, remember that taking this step, no matter how challenging is a testament to your love and care for your family. It’s a courageous act, one that ensures that memories and legacies endure with grace and dignity. From all of us at the Final Expense Brokerage of America, we salute your foresight and are here to support you every step of the way.


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