what is a funeral home assignment form

How to Assign Insurance Benefits to Pay For a Funeral

Take care of funeral expenses in advance to lift the burden from loved ones.

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•   1. How Burial Insurance Policies Work
•   2. How to Pay Back Overpayment of Social Security Benefits
•   3. What Happens to Homeowner's Insurance When a Person Dies?

The price of a funeral has increased significantly since the National Funeral Directors Association began collecting statistics in 1960. Back then, the average cost of a funeral, minus the cemetery plot or crematorium fees, was $708. In 2012, that figure was closer to $7,045. Paying for a funeral can be a burden for family members, so many people choose to use a life insurance policy to secure funeral payments.

Policyholder Assigns the Payments

When you choose to assign benefits directly to a funeral home, you maintain the right to choose where your service will be held. When you name the funeral home as the beneficiary of your policy, the costs are prepaid, leaving family members with little or no responsibility for payments. As the policyholder, you make the funeral home the primary beneficiary of your policy with any proceeds left over targeted for the next beneficiary on the policy. You make this assignment through your life insurance company.

Beneficiary Assignment

A beneficiary of a life insurance policy can fill out an assignment form at the funeral home, which will allow payment of the settlement to go directly to the funeral home. Again, any money left over is given back to the beneficiaries named once the funeral expenses are settled. Typically, the forms needed for a beneficiary assignment are available through the funeral home directly or you can ask your life insurance agent to provide you with the necessary documentation.

Caveats for Assignments

Once you decide on a beneficiary, it’s up to that person to assign the life insurance proceeds over to the funeral home. If the beneficiary decides not to participate in the funeral financially, he can keep the proceeds of the payoff, so if your intention is to use your life insurance policy to pay for your funeral expenses, either make the funeral home the beneficiary or choose a trustworthy beneficiary who will follow your wishes. At the same time, use only a reputable funeral home for direct payments from your policy – one that has been around for a while and is run by an experienced family or corporation.

Pre-Pay Options

Instead of relying on an insurance policy, you can take other measures to ensure your funeral expenses will be paid for by opening a pre-paid account directly with a funeral home. The home will set up a payment plan to which you make monthly payments. While the funds will not earn interest like a money market account earmarked for final expenses, you are assured the money goes where you want it to. For example, your savings will go to your estate, which may or may not want to pay for your expenses. Additionally, your estate may get held up in court, leaving family members on the hook for paying the funeral home.

• National Funeral Directors Association: Statistics
• Paul Lane Funeral Home: FAQ

Linda Ray is an award-winning journalist with more than 20 years reporting experience. She's covered business for newspapers and magazines, including the "Greenville News," "Success Magazine" and "American City Business Journals." Ray holds a journalism degree and teaches writing, career development and an FDIC course called "Money Smart."

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• Funeral Home Assignment Form

A funeral home assignment form is used by the funeral home to report information about the deceased and the funeral home to the insurance company who is holding the funds and will pay the funeral home. The funeral home assignment form must state the birth and death date, and place of the funeral service, as well as the name and address of the deceased. The funeral home assignment form must also note the information of the bereaved who are paying for funeral services, information about the deceased’s family, and any personal notes about the deceased.

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12 Funeral Planning Forms That Your Funeral Home Needs

Free Downloadable Funeral Home Invoice Template

The Funeral Rule: Everything Your Staff Needs to Know

Funeral planning is a crucial and sensitive task that funeral homes handle with utmost care and professionalism. To ensure a smooth and organized process, funeral homes rely on various forms and documents that help them gather important information, meet legal requirements, and provide personalized services to grieving families.

In this blog post, we will discuss 12 essential funeral planning forms that every funeral home should have:

Funeral Arrangement Worksheet

Pre-need funeral planning packet, embalming authorization form, cremation authorization form, funeral rule disclosure & disclaimer form.

• Authorization For Viewing of Unembalmed Body Form

Rental Casket Disclosure Form

Vital statistics form, veterans affairs (va) forms.

• Statement of Death (SSA-721) Form

Insurance Assignment Form

Personal property intake or release form.

Important note : please note that any examples mentioned in this article are specific to certain state requirements, so you’ll want to ensure that your forms adhere to the specific requirements in your state.

This funeral planning form includes vital information about the deceased, such as their full name, date of birth, and social security number. This form also collects details about the funeral service, burial or cremation preferences, and any special requests made by the family.

Here’s a great example from Brunswick Memorial Funeral Home to help guide the creation of your own funeral arrangement worksheet.

A pre-need funeral planning form is used when individuals plan their own funeral in advance.  Families can go over and fill this packet out at home or go over it together with a director. This form captures their preferences for the funeral service, burial, or cremation, family or vital statistic information, and other details. Having this form on hand allows funeral homes to provide personalized services that align with the individual’s wishes.

We recommend that you include a pre-need funeral planning form on your website, similar to this example from the Cremation Society of Idaho .

In cases where embalming is required or requested, funeral homes must obtain written or verbal consent from the family. This form grants permission for embalming and ensures compliance with legal and ethical guidelines.

The California Department of Consumer Affairs has a publicly available template , but be sure to create your own template. Each embalming authorization form may vary by state. 

For families choosing cremation, a cremation authorization form is essential. This document confirms the family’s consent for the cremation process and specifies instructions regarding the final disposition of the ashes, such as scattering or placement in an urn.

There are plenty of standard cremation authorization form templates that are publicly available online to base a new template on.

Funeral homes are obligated to provide specific disclosures under the Federal Trade Commission’s Funeral Rule. This Disclosure and Disclaimer Form is meant to be reviewed and signed by a decedent’s loved ones, acknowledging a Funeral Home has met the Funeral Rule requirements.

Authorization for Viewing of Unembalmed Body Form

There is no legal requirement for embalming, however many funeral homes require embalming before any public viewing of the decedent. This is due to a health and safety concern for the viewers. If your funeral home will do any public viewings of an unembalmed body, this form will ensure your funeral home isn’t held liable for any undesirable results of viewing the body. 

This Authorization for Viewing of Unembalmed Body form provides a great template that can easily be edited to your individual needs.

Casket rentals can be a good option for those looking to save on funeral costs. Casket rental may also provide an opportunity for a loved one to be viewed before being cremated. If this is a service offered at your funeral home, a disclosure (also known as a Casket Rental Agreement or Casket Waiver of Liability) is necessary in acknowledging the nature and conditions of the casket rental and a previously used casket.

When a family opts for a rental casket, they typically sign a rental casket waiver to acknowledge and accept the terms and conditions associated with its use.

A rental casket disclosure form such as this one can assist you in creating your own. 

The vital statistics form is essential for filing the death certificate with the state of death, as well as obtaining legal permits and documents required for burial or cremation. It captures required information such as the deceased’s birthplace, parent names, and other details necessary for filing the death certificate accurately.

Divine Mortuary Services offers a great example of a vital statistics information form on their funeral home website.

In general, funeral homes may work with the Department of Veterans Affairs (VA) to facilitate the provision of military honors for veterans’ funerals. The VA provides an American flag via the VA Form 27-2008 to drape over the casket or accompany the urn of a deceased veteran as a symbol of honor.

Additionally, your funeral home can complete the VA Form 40-0247 to provide the decedent’s family with an engraved paper certificate signed by the current president to honor the military service of the decedent if they are a veteran or reservist, as stated on the website of the U.S. Department of Veterans Affairs .

Another VA form includes VA Form 40-1330 , where your funeral home can apply for veterans headstones, markers, or medallions on behalf of decedents and families in your care.

Statement of Death (SSA-721) Form 

The SSA-721 form , also known as the Statement of Death by Funeral Director, is a document used by funeral directors or morticians to report a person’s death to the Social Security Administration (SSA) in the United States. The purpose of this form is to provide the necessary information to initiate the process of stopping Social Security benefits and potentially applying for survivor’s benefits on behalf of the deceased individual’s eligible family members.

This form is only necessary when the funeral or life insurance isn’t already assigned to the funeral home handling the services. This form allows the beneficiary of the policy to assign enough proceeds over to the providing funeral home to cover the funeral costs. In cases where funeral expenses are covered by insurance policies, an insurance verification form is used to gather the necessary information. This form assists funeral homes in coordinating with insurance providers to ensure the smooth processing of claims and payments.

Kristan Funeral Home and Cremation Services offers an Insurance Assignment Form example on their website.

The Inventory of Personal Property Accompanying Decedent Form is a simple but important form. It accounts for personal belongings and property that were with the decedent during passing. 

Creating and utilizing this form safekeeps a decedent’s personal belongings and can prevent misunderstandings regarding the handling of their property.

Digitize Your Funeral Planning Forms in Gather

Funeral planning forms play a crucial role in ensuring that funeral homes provide compassionate and personalized services to grieving families. These 12 essential forms mentioned in this blog post are vital tools that assist funeral homes in collecting necessary information, meeting legal requirements, and fulfilling the wishes of the deceased and their loved ones. 

By utilizing Gather, funeral homes can streamline their processes while using and storing these forms digitally via the Document Library. Plus, with Gather’s convenient AutoForms feature, all necessary forms can be completed and easily request digital signatures with a simple click. Gather can minimize your workload by easing the form-filling process. Learn more about our AutoForms here and be sure to explore our website .

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Assignment To Funeral Home Form – Fill Out and Use This PDF

Filling out the Assignment To Funeral Home Form is an important part of planning a funeral. It allows you to choose your options and send them to your loved one's insurance company.

Assignment To Funeral Home Form PDF Details

When my great-grandmother passed away, one of the last things she did was to leave specific instructions for her funeral. She even filled out a form from the local funeral home that outlined all of her wishes. I'm not sure if it was because she wanted to make sure everything was perfect, or if she simply didn't want to put any burden on her loved ones, but it was something that she took care of herself. Since then, I've always been interested in how different people go about planning their funerals. Are there any standard procedures, or is it totally up to the individual? What kind of things do people typically request? I decided to do some research on the topic and found some really interesting information! Stay tuned

Form Preview Example

ASSIGNMENT OF POLICY/CONTRACT DEATH BENEFITS

For value to be received and services to be performed by __________________________ of

_______________________, (“Funeral Home”), I hereby assign, transfer and set over to the Funeral Home the sole

right to collect from ________________________ (“Insurance Company”) the net proceeds of Policy/Contract

Number _______________, when it becomes a claim by death of the insured. It is expressly understood that the

Company is hereby authorized and directed to release and pay the net death benefits payable, as determined by the provisions of the above stated Policy/Contract, to the Funeral Home upon receipt of a properly certified Death Certificate, surrender of the above stated Policy/Contract and satisfactory proof of claim as deemed necessary by the Company.

_____ IRREVOCABLE ASSIGNMENT (Must be checked if selecting Irrevocable Assignment.)

It is expressly understood that:

1 The Owner hereunder having so requested, it is agreed and understood that the Owner may not revoke the Assignment of Policy/Contract Death Benefits. While said Policy/Contract remains payable to the Funeral Home, the Owner, may not make loans on the cash value or exercise any other option, right or privilege provided in the Policy/Contract including, but not limited to, the right to elect any of the nonforfeiture provisions thereof. Paid-Up Additions must be kept intact. While the Owner may elect to make the Policy/Contract irrevocable, the Owner may always transfer the proceeds of the Policy/Contract to another Funeral Home permit holder to provide the services specified in the Policy/Contract.

2 This Assignment of Policy/Contract Death Benefits shall not become effective until 30 days after the effective date of the Policy/Contract.

_____ REVOCABLE ASSIGNMENT (Must be checked if selecting Revocable Assignment.)

1 The named Owner of the Policy/Contract may cancel and revoke this Assignment of Policy/Contract Death Benefits at any time prior to the death of the Insured, by filing proper written notice of cancellation with the Company at the above address. If the Assignment is canceled, the net death benefits referred to herein are to be paid to the Beneficiary named in the Policy/Contract in accordance with the Policy/Contract provisions unless a subsequent Assignee is designated.

2 The ownership rights of the Policy/Contract are reserved to the named Owner and are excluded from this Assignment and do not pass by virtue hereof.

3 In the event that this Assignment of Policy/Contract Death Benefits is canceled by the Policy/Contract Owner prior to the death of the Insured or in the event cash values are withdrawn or surrendered, the Prepaid Funeral Benefits Contract executed by and between the Funeral Home and the Purchaser shall, by virtue of its provisions, become null and void. In such event, at the death of the Insured all death benefits shall be payable to the named Beneficiary in accordance with the provisions of the Policy/Contract.

IN WITNESS WHEREOF, this Assignment of Policy/Contract Death Benefits is signed on this ____ day of

_____________________, 20___ at __________________________, ________________.

AS-2 (10/11)

How to Edit Assignment To Funeral Home Form Online for Free

You'll be able to fill in death assignment payable form easily with our PDFinity® editor. To keep our editor on the leading edge of practicality, we aim to implement user-driven features and improvements on a regular basis. We are routinely thankful for any suggestions - assist us with reshaping PDF editing. With some simple steps, you can begin your PDF editing:

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This PDF form requires particular info to be typed in, hence make sure to take the time to provide what is asked:

1. The death assignment payable form involves specific information to be entered. Ensure the next blanks are complete:

2. Once your current task is complete, take the next step – fill out all of these fields - IN WITNESS WHEREOF this Assignment, Witness, PolicyContract Owner, and AS with their corresponding information. Make sure to double check that everything has been entered correctly before continuing!

It is possible to get it wrong when completing the IN WITNESS WHEREOF this Assignment, thus you'll want to go through it again prior to deciding to submit it.

Step 3: Be certain that your information is correct and then click on "Done" to complete the project. Obtain your death assignment payable form when you subscribe to a free trial. Easily access the pdf file within your personal cabinet, along with any edits and adjustments being conveniently saved! FormsPal ensures your data privacy by having a protected system that in no way records or shares any sort of personal data typed in. Be assured knowing your paperwork are kept protected when you use our services!

Assignment To Funeral Home Form isn’t the one you’re looking for?

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Assignment of Life Insurance

WARNING! This form permanently transfers ownership of your FEGLI insurance to another individual, trustee, or corporation (however, premiums continue to be withheld from your salary/annuity). An assignment is irrevocable, and cannot be changed later. DO NOT USE THIS FORM if you only wish to designate a beneficiary to receive your life insurance. Instead, use the available designation of beneficiary form .

For more information about assignments and designations of beneficiary, see the FEGLI Booklet on Assignments , and Designation of Beneficiary and Order of Precedence .

FEGLI enrollees use this form to assign ownership of their life insurance coverage to another person, firm, or trust; and assignees use the form to reassign the coverage.

Electronic Copies:

RI 76-10 

Paper Copies:

Request a paper copy of this form from your servicing Human Resources Office.

Annuitants:

• Call toll free 1-888-767-6738 (202-606-0500 in the DC Area), or
• Send an email to [email protected] , giving the number of the form that you need and your mailing address, or
• Request a copy from a local Federal agency Human Resources Office.