You do not set a cash policy off against the bill at once

Not every funeral policy pays in services. Some policies pay an amount in money. You read that difference on the policy schedule, not in the name the family uses for the insurance. If the policy pays money, you note the beneficiary as the schedule or the insurer names that person. The beneficiary can be the estate, a named person, or the funeral director. This piece does not choose among those. As long as the beneficiary does not stand on paper, you put no amount with an heir and no amount with the estate inventory. A cash policy is still not a savings account of the deceased. It is a payout under the policy, with its own line.

The funeral bill and the cash policy stay apart until both papers are there. Do not deduct the bill from the payout, and do not add the payout to the bill, while you have only one of the two. A set-off without both sources makes the estate inventory too low or too high. On the day both are there, you write what each paper itself says: the amount of the payout, the beneficiary, the amount of the bill, and who paid the bill. Whether those two cancel each other out is a next question, not an automatic sum. Sometimes the beneficiary is someone other than the person who paid the bill. Those two facts disappear if you fold them into one net amount.

Ask the insurer, if the schedule is not clear, whether money will be paid and to whom. Ask the funeral director which invoice is open or has already been settled, and by whom. Keep both replies with their own line. Ervazo keeps the letter and the reply. It does not send them. Do not put a set-off on the screen in order to make the list shorter. A death-risk policy (overlijdensrisicoverzekering) should not be written in here either as if it were the same policy. That insurance has its own beneficiary and its own schedule. Do not mix the names because both have something to do with death. The task stays open until the schedule, the beneficiary, and the bill each have a source.

A policy that pays money gets a beneficiary in the file and stays separate from the funeral bill. You set off only once the policy and the bill both stand on paper. Until then they are two lines, even if the family already has a net amount in mind. This piece names no amount and no premium. This is not legal advice. Who receives the payout is confirmed by the insurer. Which bill is open is confirmed by the funeral director. Whether a beneficiary and a paid bill may be set against each other in the distribution is confirmed by the notary from the papers.