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     Leave warm memories, not debt.

When a loved one passes away, family and friends are often confronted with many decisions that must be made quickly...  and when people are under emotional stress.  

During this difficult time, one of the last things you'll want your loved ones to worry about is how they will pay for everything.

If you haven't planned ahead, your family could end up paying your:

         * funeral expenses, which can get expensive quickly

            the national average for a funeral is $9135.00

        * Final medical bills 

        * Unsecured credit, such as credit cards, signature loans

Those are just some of the reasons why experts recommend having 

at least $15000 (or 4% of your estate whichever is greater) to cover final expense.