An in-kind policy often pays the funeral director

A funeral insurance in kind (natura) can pay the funeral director, not the heirs. The policy supplies services, or a payment to the director, according to what the policy schedule says. It is not a death-risk policy (overlijdensrisicoverzekering) and it is not a savings account. Premium that has been paid is not a balance you put on the asset side. Note the name of the insurer and the reference of the policy as the schedule shows them. Also note whether the funeral director's invoice has already been settled by this policy. That second answer comes from the insurer or from the director, not from an assumption. Until both facts are fixed, the policy and the bill stay separate lines.

Find the policy schedule before you place the funeral bill among the debts as if no one is paying it. If the schedule says that the insurer pays the director, the bill may already be covered. Maybe is not enough. Ask which invoice was paid, on which date, and whether a part remains that the estate inventory still has to settle. You note the remaining part only if the statement names that part. An in-kind policy that covers the basic funeral sometimes leaves extra wishes outside the cover. This piece does not invent which extra wishes those are. Write what the insurer and the director put on paper about that, and nothing outside it.

The letter to the insurer asks three things: confirm that the policy is in kind, state whether the invoice has already been paid, and say to whom any remainder is addressed. Do not ask for a surrender, and do not ask for a payout in money, as if the policy had been a savings pot. If the policy is in fact a cash policy, it belongs on the other line, not on this one. That mix-up is exactly why you read the schedule before you fill in an amount. Ervazo keeps the letter and the reply. It does not send them. Put the policy with the documents, not with the bank balances, until the insurer has confirmed its nature. A family member who remembers a premium does not produce a policy schedule.

An in-kind policy can pay the funeral director. It does not pay out to the heirs of itself, and it is not a savings balance. It is also not a death-risk policy. In the file stand the insurer and the fact whether the funeral invoice has already been paid by the policy. Without those two particulars the bill stays, and the asset side stays empty on this point. This is not legal advice. Whether this policy covers in kind, and whether the invoice has been settled, is confirmed by the insurer. How an insurance is taken into the estate if the deed speaks about that is confirmed by the notary.