That depends. If you already have term or whole life insurance, your loved ones can use your existing policy to pay final expenses. If you have term life insurance and you outlive the policy’s term, you may want to consider final expense insurance at that point.
Alternatively, if your family will have plenty of assets to work with when you die, you could use what’s called “self-insurance.” “Self-insurance” is one of those terms that sounds more complicated than it is. To self-insure is just to use your own money rather than use a life insurance payout.
Could your family self-insure for your final expenses? It’s a good idea to figure around $15,000 for total funeral expenses, but what about other expenses?
Will there be costs associated with possibly bringing the family together after the memorial service or a trip to the deceased favorite spot where they requested their ashes to be scattered?
Could there also be medical bills or other debt left unpaid upon death? If you answered “yes” to any of these questions, final expense insurance may be right for you.
Not to be the bearer of bad news… But it’s probably best not to count on the lump sum death payment from Social Security to pick up the slack. It’s only $255 and may not be available as soon as you need the funds.
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Privacy
Privacy Policy
Navigator Sales & Marketing, LLC., (“Navigator″), dba Familyrecordsvault.com, EasyAWV.com, Startdate.com and other products ("Products" or "Websites") respects the privacy of its on-line visitors and recognizes the importance of providing a secure environment for them. We have adopted a companywide On-Line Privacy Policy that guides how we collect, store, and use the information you provide us. As a User of Navigator Software or any other products, you acknowledge that you understand Navigator will be collecting information from you, some of which may be personally identifiable information, and by accessing and using Navigator, you consent to the collection and use of that information in accordance with this Policy. This Privacy Policy details how Navigator safeguards the privacy of its on-line visitors and does not apply to information that may be collected by Navigator off-line. Please note that when you link to other sites from a Navigator or Navigator website, this Privacy Policy does not apply to, and cannot control the activities on, those other sites. In addition, you understand and agree that, by playing Navigator or any other products, certain information about you will be available to other Users (as explained in this Policy), and Navigator cannot control, and will have no responsibility for, the actions of such other Users with respect to that information about you.
1. Information Collected
We require Users to register with us in order to access a number of the products and services offered by Navigator. During registration on the Site, we ask you to provide us with certain information that personally identifies you (referred to herein as “Personal Information”). Personal Information may include your name, date of birth, telephone number, mailing address, E-mail address, and credit card account information, as well as any other information that may be used to identify you. Personal Information is collected so that we can provide you with services you requested, contact you to verify your Personal Information or account activities, notify you if there is a problem with your account, and enhance the services that we provide to you. By registering, you agree to allow Navigator to send you emails regarding service, technical, marketing, or other issues.
2. Security of Personal Information
Navigator takes steps it deems reasonably necessary to protect the security, integrity, accuracy and privacy of the information our Users share with us, including setting up processes to avoid any unauthorized access or disclosure of this information. We will provide you with the capability to transmit your Personal Information via secured and encrypted channels. We will take reasonable steps to protect Personal Information and Traffic Data from unauthorized third parties. We endeavor to maintain accurate Personal Information collected from our Users and are grateful for your assistance in maintaining the accuracy of that information while you remain a User of Navigator, or any other products. When you register on one of our websites, or otherwise give us Personal Information, we reserve the right to share that information with affiliated third parties without your permission, unless otherwise notified by you. To prevent the disclosure of your Personal Information to third parties, please email privacy@ Familyrecordsvault.com. This e-mail address is being protected from spambots. You need JavaScript enabled to view it. We will also disclose your Personal Information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on us; (b) protect and defend our rights or property; (c) act in urgent circumstances to protect the personal safety of users of any of our websites, or the public; and (d) comply with negotiated agreements in the event of a merger or sale of any of our products.
3. Users of Personal Information
Navigator uses Personal Information to respond to your requests for help or information, to complete transactions such as purchases or monthly billing, to verify that you are qualified to use Navigator services, and for certain other purposes related to our operation of Navigator or any other products. We may also use Personal Information to notify you of changes in features, terms, or other related Navigator agreements, and to send you updates or newsletters about our company and services, and other promotional materials via your registered E-mail address. In addition, Navigator reserves the right to share your Personal Information with business partners, authorized representatives, and trusted third parties. We may cooperate with other reputable advertising or marketing firms in order to bring additional products and services to your attention. We will disclose only information that is necessary to such individuals or companies who perform services on our behalf, or to trusted third parties with whom we have cooperative agreements. We will choose these partners carefully and hold them to our own high standards of respect for your privacy.
4. Effective Date of Policy; Changes to This Policy
The Effective Date of this Privacy Policy is January 1, 2021. Navigator reserves the right, at any time and without notice to you or to other Users, to update or modify this Policy, simply by posting such update or modification on Websites. Any such update or modification will be effective immediately upon posting on these locations, and your continued use of its Websites after such posting shall constitute evidence of your acceptance of the update or modification.
Note to Parents or Guardians of Children Under 13
Once a child states that his/her age is under 13, we do not collect or store any personally identifiable information such as name, address, or email address. We recognize a special obligation to protect personal information about young children. We urge parents to instruct their children to never give out their real names, addresses, or phone numbers, without permission, when on-line. Teenagers under the age of 17 and over the age of 12 should encourage their parents to review this policy and to contact us if they would like to evoke our opt-out policy or to raise any concerns.
What are cookies and how do you use them?
Cookies are a feature of your Web browser that allows Web sites to transfer bits of information to your computer for record-keeping purposes. A cookie stored on your computer can be used to “remember” things like your password, or that you have already registered. This allows us to speed up your future activities, saving the time you would normally spend entering information such as your password or registration. In addition, Navigator may use cookies to retrieve user information for promotional, marketing, or security purposes.
What are Internet protocol addresses?
An Internet protocol (“IP”) address is the unique number assigned to your server or Internet Service Provider (“ISP”). Navigator may track such IP addresses for system administration, to report aggregate information, site tracking, or to prevent our servers from being abused.
How secure is my personal information?
Navigator has taken steps to assure that all information collected will remain secure and in its original form, i.e. free from any alteration. As such, access to all personal information is strictly controlled. When credit card information is transmitted, for example, we use industry standard, SSL (secure sockets layer) encryption. In addition, we will take reasonable steps to assure that third parties to whom we transfer any data will provide sufficient protection of personal information. Although we believe these security procedures are adequately designed to protect such information from unauthorized access, “perfect security” does not exist on the Internet and we cannot absolutely guarantee that there will never be any such unauthorized access. For changes to personal information, questions, or complaints
If for any reason you are concerned with the way we are using your Personal Information, would like to correct or request that we delete such personal information, have other questions or wish to file a complaint, please contact us at privacy@navigatorgroup.org. This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
By using this Website, you signify your assent to this Privacy Policy. If you do not agree to this Privacy Policy, please do not use this site. This Privacy Policy may change from time to time, so please check back periodically to ensure that you are aware of any changes. If we make a material change to this Privacy Policy, we will notify you by posting the change on this website or in this Privacy Policy and, if necessary, give you additional choices regarding such change. Your continued use of the Familyrecordsvault.com website will signify your acceptance of these changes.
Terms of Service
Terms and Conditions
The following are terms of a legal agreement (“Agreement”) between you (“Client”) and Navigator Sales & Marketing, LLC., (“Navigator″), dba Familyrecordsvault.com, EasyAWV.com, Startdate.com and other products ("Products" or "Websites"). By accessing, browsing and/or using this web site (“Site”) you acknowledge that you have read, understood and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this Site. This Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Information on this Site may contain technical inaccuracies or typographical errors. Please read this Agreement carefully and be aware that Navigator may, in its sole discretion and without notice, revise these terms at any time by updating this posting.
Hyperlinking
Navigator makes no representations whatsoever about any other web site which you may access through this one. When you access a non-Navigator web site, please understand that it is independent from Navigator, and that Navigator has no control over the content on that web site, even if Navigator provides information or services to the owner of that web site. In addition, a link to a non-Navigator web site does not mean that Navigator endorses or accepts any responsibility for the content or the use of such web site. In fact, Navigator disclaims any and all liability and responsibility for such content. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
Copyrights and use of Site content
The copyright in all materials provided on this Site is held by Navigator or by the original creator of the material. Except as stated herein, none of the materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of Navigator or the copyright owner. Permission is granted to download one copy of the materials on this Site on a single computer for your personal or internal business use only provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. This permission terminates immediately if you breach this Agreement. You may not “mirror” any material contained on this Site without Navigator’ express written permission. Any unauthorized use of the materials contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity and/or communications regulations and statutes. All content and functionality on this Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, are the exclusive property of Navigator or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.
Trademark
The trademarks, service marks and logos (the “Trademarks”) used and displayed on this Site are registered and unregistered Trademarks of Navigator. Other trademarks, service marks and trade names may be owned by others. Nothing on this Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark or any other Navigator intellectual property displayed on this Site. Navigator aggressively enforces its intellectual property rights to the fullest extent of the law. The name Navigator, Familyrecordsvault.com and any other Trademarks shall not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Site, without prior written permission from Navigator. Navigator also prohibits use of Navigator and any other Trademarks as part of a link to or from any site unless establishment of such a link is approved in advance by Navigator in writing.
User Posting
You acknowledge and agree that Navigator shall own and have the unrestricted right to use, publish, in electronic form and otherwise, distribute and exploit any and all information that you post or otherwise publish on this Site (“Submissions”). You hereby waive any and all claims against Navigator for any alleged or actual infringements of any rights of privacy or publicity, moral rights, rights of attribution or any other intellectual property rights in connection with Navigator’ use and publication of such Submissions. This means that anything submitted by you to this Site will be owned by Navigator and may be used by Navigator for any purpose, now or in the future, without any payment to, or further authorization by, you. In the event Navigator’ ownership of such Submissions is successfully contested, you automatically grant Navigator a perpetual, royalty-free, non-exclusive, sublicensable, unrestricted, worldwide and irrevocable right and license to use, reproduce, modify, publish, translate, prepare derivative works based upon, distribute, perform or display such Submissions, in whole or in part, in any form, media or technology known or hereafter developed for any purpose, including, but not limited to, advertising and promotional purposes. Navigator does not represent or endorse the accuracy or reliability of any Submissions displayed, uploaded, posted on any message board, or otherwise distributed through this Site by any user of this Site, information provider or any other third party. Navigator expressly disclaims any and all liability related to Submissions, and you acknowledge that any reliance upon such Submissions shall be at your sole option, liability and risk. You covenant that you shall not post or otherwise publish on the Site any materials that: (i) are threatening, libelous, defamatory, or obscene; (ii) would constitute, or that encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate law; (iii) infringe the intellectual property, privacy, or other rights of any third parties; (iv) contain a computer virus or other destructive element; (v) contain advertising; or (vi) constitute or contain false or misleading statements. Navigator in its sole discretion reserves the right to refuse to post and the right to remove any information or Submission from this Site, in whole or in part, for any reason.
No Services, Endorsement or Professional Consultation
There may be delays, omissions or inaccuracies in information obtained through your use of this Site. The information on the site is provided to you with the understanding that Navigator’ provision of this information to you does not constitute the rendering of investment, consulting, legal, accounting, tax, career or other advice or services. Information on this Site should not be relied upon for making business, investment or other decisions or used as a substitute for consultation with professional advisors. Moreover, Navigator does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed, uploaded, downloaded or distributed through this Site by Navigator, any user, information provider or any other person or entity. You acknowledge that any reliance upon such opinion, advice, statement, memorandum, or information shall be at your sole option, liability and risk. Moreover, Navigator does not grant any license or other authorization to you to use this Site in any manner if such use in whole or in part suggests that Navigator promotes or endorses a third party’s causes, ideas, political campaigns, political views, web sites, products or services.
There may be delays, omissions or inaccuracies in information obtained through your use of this Site. The information on the site is provided to you with the understanding that Navigator’ provision of this information to you does not constitute the rendering of investment, consulting, legal, accounting, tax, career or other advice or services. Information on this Site should not be relied upon for making business, investment or other decisions or used as a substitute for consultation with professional advisors. Moreover, Navigator does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed, uploaded, downloaded or distributed through this Site by Navigator, any user, information provider or any other person or entity. You acknowledge that any reliance upon such opinion, advice, statement, memorandum, or information shall be at your sole option, liability and risk. Moreover, Navigator does not grant any license or other authorization to you to use this Site in any manner if such use in whole or in part suggests that Navigator promotes or endorses a third party’s causes, ideas, political campaigns, political views, web sites, products or services.
Access to the Site
Navigator may alter, suspend or discontinue this Site and your access to use this Site at any time for any reason without notice or liability to you or any third party. This Site may become unavailable due to maintenance or malfunction of computer equipment or for other reasons and may result in damages to the user’s systems or operations. The user shall be solely responsible for ensuring that any information or content obtained from this Site does not contain any virus or other computer software code or subroutine designed to disable, erase, impair or otherwise damage the user’s systems, software or data.
Disclaimer of Warranties
THE SITE AND ALL MATERIALS THEREON ARE DISTRIBUTED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NAVIGATOR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SPECIFICALLY, BUT WITHOUT LIMITATION, NAVIGATOR DOES NOT WARRANT THAT: (1) THE INFORMATION ON THIS SITE IS CORRECT, ACCURATE OR RELIABLE; (2) THE FUNCTIONS CONTAINED ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE; OR (3) DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU HEREBY ACKNOWLEDGE THAT USE OF THE SITE IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”
Limitation of Liability
UNDER NO CIRCUMSTANCES SHALL NAVIGATOR OR ANY OF ITS PREDECESSORS, SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS AND ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES THAT DIRECTLY OR INDIRECTLY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE OR THE INFORMATION CONTAINED ON THIS SITE OR OBTAINED FROM YOUR USE OF THIS SITE, INCLUDING FOR VIRUSES ALLEGED TO HAVE BEEN OBTAINED FROM THE SITE, EVEN IF NAVIGATOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL NAVIGATOR’S OR ANY OF ITS PREDECESSORS’, SUCCESSORS’, PARENTS’, SUBSIDIARIES’, AFFILIATES’, OFFICERS’, DIRECTORS’, SHAREHOLDERS’, INVESTORS’, EMPLOYEES’, AGENTS’, REPRESENTATIVES’ AND ATTORNEYS’ AND THEIR RESPECTIVE HEIRS’, SUCCESSORS’ AND ASSIGNS’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE EXCEED $1. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO ALL USERS.
Indemnification
You hereby indemnify, defend, and hold harmless Navigator and all of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives and attorneys and their respective heirs, successors and assigns (collectively, the “Indemnified Parties”) from and against any and all liability and costs, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties in connection with any claim arising out of or relating to any breach by you of this Agreement or the representations, warranties, and covenants you have made by agreeing to the terms of this Agreement. You shall cooperate as fully as reasonably required in the defense of any such claim. Navigator reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you.
Enforcement of Terms and Conditions
This Agreement is governed and interpreted pursuant to the laws of the state of California, United States of America, notwithstanding any principles of conflicts of law. You expressly agree that exclusive jurisdiction resides in the courts of the state of California. You further agree and expressly consent to the exercise of personal jurisdiction in the state of California in connection with any dispute or claim involving Navigator. If any part of these terms is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining provisions.
Infringement Notices and Takedown
Navigator prohibits the posting of any information that infringes or violates the copyright rights and/or other intellectual property rights (including rights of privacy and publicity) of any person or entity. If you believe that any material contained on this Site infringes your copyright or other intellectual property rights, you should notify Navigator of your copyright infringement claim in accordance with the following procedure. Navigator will process notices of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act (“DMCA”). The DMCA requires that notifications of claimed copyright infringement should be sent to legal@Navigatorgroup.org.
To be effective, the notification must be in writing and contain the following information (DMCA, 17 U.S.C. §512(c)(3)):
Physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Effective Date
This Agreement is effective upon the date upon which Navigator first began to provide services to Client and shall govern all business relations between Navigator and Client until terminated or until a new agreement has executed by the parties to supercede the terms of this Agreement. Even if this agreement does not take effect, Client will be obligated to pay Navigator the value of any services it may have performed for Client. Services will be billed at the monthly rate and include all out-of-pocket costs and expenses.
Entire Agreement
This Agreement constitutes the entire agreement between you and Navigator with respect to the subject matter of this Agreement and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding that subject matter. Any waiver of any provision of this Agreement will be effective only if in writing and signed by Navigator.
