HAVE YOU HEARD OF FINAL EXPENSE INSURANCE? It Gives Your Loved Ones Peace of Mind M ost people are familiar with life insurance and how it works: You pay a monthly premium for coverage so that when you die, your beneficiaries are left with policy payouts that help to replace the income they’d otherwise lose from your passing. Even though they can use life insurance to pay for funeral and other final expenses, it’s rarely ideal to do so. That’s because the costs of these expenses have become so high that they can be a massive financial burden during an already difficult time. The National Funeral Directors Association has revealed that the average funeral costs $7,360! That’s a lot of money to ask your family to figure out how to pay as they work their way through the grief of losing you. This is when final expense insurance comes in. Proactively making arrangements for final expenses can make it simple and easy for your family to access the funds they need, when they need them.
THE SPOOKY ‘STAR WARS’ SHORTAGE OF 1977
A long time ago … in October of 1977 to be exact, Halloween was fast approaching and many parents faced a major dilemma. That year, kids didn’t want to go trick-or-treating dressed as vampires, witches, or ghosts. The classic costumes simply wouldn’t do. That Halloween, almost every child in the United States wanted to dress as their favorite character from the new hit movie, “Star Wars.” Today, you can walk into a Halloween City on Oct. 30 and easily pick up a costume for Rey, Darth Vader, or Princess Leia. But in 1977, less than five months after the release of the first movie in the popular franchise, getting your hands on “Star Wars” merchandise was a bit more difficult. Ben Cooper, a costume company in Brooklyn, had the foresight to license “Star Wars” for costumes right after the movie came out. Unfortunately, they didn’t foresee how great the demand for these costumes would be. Retailers across the country were selling out of “Star Wars” costumes as fast as they came in. Some stores reported selling more “Star Wars” costumes than pumpkins. Kids who got their hands on an authentic Han Solo or C-3PO costume were considered lucky. But kids who arrived at the store to find the costume shelves empty didn’t throw in the towel. Instead, they went and found some brown towels to make their own Chewbacca costumes. In the current age of cosplay, homemade costumes based on movie characters are commonplace, but in 1977, this was uncharted territory. Kids searched for white dresses to be Princess Leia and bathrobes they could cut short to mimic Luke Skywalker. Moms everywhere broke out their sewing machines and created costumes using only action figures for reference. It was grueling work, but it showed how much kids wanted to spend Halloween in a galaxy far, far away. The “Star Wars” costume shortage marked a new era for Halloween — one where making your own costume was just as cool, if not better, than buying it.
Vermost Insurance NOW has a relationship with Chuck Chucri, who offers Financial
Planning & Investment Advisory Services
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