Final Expenses

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Repatriation to
Your country of origin

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How does repatriation work?

What is repatriation? "Repatriation" is the term used when a deceased person is transferred to their country of origin. In these cases, funeral homes are responsible for providing support by liaising with the country's embassy, airlines and coroner's officials on behalf of the family.

How to repatriate a body from the United States?

*Mandatory requirements:

Certificate of Embalming or Cremation duly apostilled or legalized. Transfer permit stating the name, surname and age of the deceased, place and cause of death issued by the competent authority of the country where the death occurred.

Requirements for the transit permit of a body or ashes.

In order to facilitate the transfer or internment of a body or human ashes to Mexico, it is necessary to visa and certify the following documents at the Mexican Consulate corresponding to the domicile of the deceased or the funeral home, to be presented to the Mexican health authorities:

• Death certificate specifying cause of death and correct final destination. If the cause is pending/different, the coroner's letter must be submitted certifying that the death was not caused by contagious disease. (the death certificate must be apostilled). https://www.sos.ca.gov/notary/request-apostille
• International transfer permit issued by the Department of Health, specifying the name and location of the funeral home receiving the body or ashes, or the name and location of the place of final disposition of the body or ashes.

• Certificate of embalming or cremation, signed by the embalmer or crematory, with its license number. If there is an "AKA" (Also Known As) must also appear on the certificate of cremation or embalming.
• In the event that one of the causes of death is COVID-19, se deberá agregar al expediente la técnica embalsamamiento, así como la Carta del Departamento de Salud.
• If the cause of death is Deferred, the Letter from the Medical Examiner's Department must be added to the file.

While repatriation necessarily takes an individual back to his or her territory of origin or citizenship, a return potentially includes taking the person back to the point of departure. This could be to a third country, including a transit country, which is a country through which the person has traveled to reach the country of origin.
of destination. A return could also be within the territorial boundaries of a country, as in the case of returned IDPs and demobilized combatants. The distinction between repatriation and return, voluntary or involuntary, is not always clear.

What are the costs of repatriation of a corpse?

It is relatively common for people to die in places that are not their place of origin. It is unfortunate, yes, but we cannot avoid it. It is therefore of great importance to hire a good death insurance for foreigners when traveling or residing in a foreign country, as it greatly facilitates the repatriation of the body. Only with a death insurance for foreigners the mortal remains of the deceased can be repatriated in a much simpler way, avoiding that the relatives and loved ones of the deceased have to move to the place where their relative has died.
In addition, it should be taken into account that repatriation of the body has an average cost of approximately $5.000 dólares pudiendo ascender a una cifra superior a los $9.000 dólares.

Relocation of family members to a foreign country.

It is very common for family members and relatives of the deceased to wish to travel to the place where the death of their loved one occurred.

Funeral expenses.

These expenses refer to the viewing of the body of the deceased, funeral, burial or cremation or any other service related to the burial of the deceased.

Legal expenses.

Repatriating a corpse is undoubtedly a complex process that must be carried out observing the legislation of both the country where the death occurred and the country of origin of the deceased. This is why administrative and legal advice is required, especially from a professional expert in international law, to guide us through the process.

Repatriation of the body.

It is up to the family to decide whether to repatriate the body of the deceased or not. If they choose the first option, they must present the following documentation to the Spanish Consulate or Embassy in the foreign country of death:

• Letter to the Consul General requesting that he/she authorize the transfer of the body. This letter must state the identity of the deceased, as well as his or her address, and the date, cause and place of death.
• Medical certificate. This will state the cause of death.
• Medical certificate with the embalming procedure that has been carried out.
• Apostilled death certificate.
• Death certificate issued by the Spanish Civil Registry.
• The casket must be composed of two boxes with a series of specific characteristics.

Advantages of having a death insurance policy.

On Death Insurance is intended to cover all expenses related to the death of a person. In addition, in the case of death insurance for foreigners, it will cover the repatriation of the corpse in case of death far from the place of origin. This type of Insurance has a series of advantages. They are the following:

• It is a voluntary insurance that, nevertheless, is taken out by more than half of all Spaniards.
• It provides security for the loved ones, who will not have to deal with all that the repatriation and burial of the deceased may entail.
• The deceased is involved in such a difficult time.
• It covers funeral expenses, which average more than 3,500 euros. To this should be added the expenses
• 6,000 if the deceased died in a foreign country.
• Comprehensive management of the bureaucratic and legal procedures to be carried out after death.
• Repatriation of the corpse.

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Personal
Accident Insurance

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In the United States, the odds of accidental death are less than 1 in 1800 per person. If someone has an accident insurance policy and dies accidentally or in close proximity to the incident, the policy would pay a claim in addition to the regular life insurance, if he or she also had that insurance. (Known as double indemnity). This coverage provides an extra benefit in the event of a fatal accident, offering additional financial support to the insured's beneficiaries. It is a valuable option to protect yourself against unforeseen situations and provide financial security for your loved ones.

On Personal Accident Insurance is intended to provide medical assistance in case of accidental and/or occasional bodily injury.

If indicated in the policy, this insurance may additionally provide the following coverages:

• Indemnity for accidental death.
• Indemnity for permanent disability: it may be total or partial, depending on the policy you take out.
• Daily pensions in case of temporary disability during the time you are on sick leave.

Accidents are not clearly defined, as there are many ways a person could die, but these are the most common:

• Automobile accidents.
• Drowning
• Homicide.
• Travel accidents.
• Natural disasters.
• Terrorist attacks.

The most common way insurance companies evaluate whether or not they will pay is by comparing the cause of death to their exclusion list. An exclusion is an instance that may appear to be accidental in nature, but not a reason the company would pay due to the nature of the accident or intent. For example. It may appear accidental if someone overdoses on drugs or alcohol, but if it is self-induced or not responsible, the insurance company will not be liable.

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Death
Insurance

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In 2017, the average cost of an adult funeral with wake and burial was. $8,755 (including the grave). Funeral and cremation expenses can cost families thousands of dollars, often within days of their loved one's death. Caskets alone can cost $2,000 or more depending on the material and style used. Simply opening and closing the tomb can cost families anywhere from $300 and $1,000 dollars, depending on the funeral home. Final expense insurance, often called burial insurance or funeral insurance, is designed to cover these costs.

Final expense insurance is a type of whole life insurance designed to cover medical expenses and funeral expenses when you die. A final expense policy is also known as funeral or burial insurance and is popular among seniors.

Most final expense plans have these features:

• Whole life insurance - no maturity if premiums are paid.
• Cash value - policyholder can obtain a policy loan
• Fixed premiums, as long as they are paid
• Simplified issuance - generally no medical exam is required, only health questions on the application.
• Easy application process
• Fast approvals - coverage can often be issued within a few days
• Affordable rates

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Complete
Final Protection

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If you are over 40 and need money to cover your final expenses and funeral costs, final expense life insurance is a great fit. Because the policy's death benefit (usually from $5,000 a $30,000) tends to be less than the benefit of traditional insurance, premiums tend to be more affordable for those on a fixed budget.

This makes it an attractive option for seniors looking to cover their end-of-life expenses. It is a kind of permanent insurance (it does not expire if premiums are paid) and accumulates a cash value over time.

But this type of insurance is not only for the elderly (learn more about life insurance for people over 50). Anyone who is concerned about leaving their loved ones prepared for their death should consider taking out a life insurance policy for themselves. Children can also purchase a life insurance for parents. Getting several quotes, including a final expense quote, can help you determine which type of life insurance is best for you.

If you are well off or have sufficient savings, you may not need final expense insurance. Just keep checking the rising costs of funerals and always be sure to keep up with current costs.

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¿Final Expenses?

It is a funeral insurance that will avoid leaving our loved ones with Debts and Commitments for when that time comes.

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¿What do people care about most?

1. Who will pay for my funeral expenses?
2. Who will be in charge?
3. The emotional part

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Family Support

Membership Card

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Final Expenses

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At Danica, we think about your peace of mind at all times. Our Final Expense Life Insurance is perfect for those over 40 who are looking for protection for funeral costs and final expenses. With a death benefit of $5,000 USD a $30,000 USD, This policy offers affordable premiums compared to traditional life insurance, making it an ideal option for those on a fixed budget.

With our final expense coverage, you can meet the financial challenges of difficult times without worrying about the expenses associated with funeral arrangements. We provide financial security for you and your loved ones so you can face these situations without difficulty.

We have the insurance you're looking for.

1

Total Final Protection

Ideal for those over 40 years of age. Offers affordable coverage for funeral costs ($5,000 to $30,000 benefit) providing financial security in difficult times.

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Death Insurance

In 2017, an average funeral cost $8,755 with funeral expenses that can reach thousands of dollars. Final expense insurance covers these costs, providing relief to families.

Get a quote here

3

Personal Accident Insurance

Provides medical assistance for accidental injuries, ensuring protection in unforeseen and accidental situations that may affect the physical well-being of the insured.

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Repatriation to your home country

Repatriation is the transfer of a deceased person to his or her country of origin. Funeral homes coordinate the process with the embassy, airlines and forensic officials to assist the family.

Get a quote here