My husband & I both preplanned with Baldwin Brothers/Dignity, paying it off in installments over 5 years. We both wanted cremation. Since we did alot of traveling then, we also had a policy that would "ship" us back if something happened while we were on a trip, say across the country. Well, my husband passed away in August, the rep I worked with was very good. I did pay out more money for a memorial service, obit in newspapers, etc., but I still get a monthly newsletter (which I do not read), someone calls me occasionally & offers me further counseling if needed (not needed). Everything was done professionally, alot easier than starting from scratch. I did not have to worry about the policies we'd purchased & paid off several years earlier, they were able to locate records. They helped make it very easy, esp. when i need help.
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