Don’t Forget These Important Steps With Your Life Insurance Policy
Larry Moore • May 6, 2026
Life insurance is one of the greatest gifts you can leave your family.
At Moore Funeral Home, we regularly work with families who use life insurance to help cover funeral expenses and ease the financial burden that comes after a loss. Some policies are large and help create long-term financial security for surviving family members, but most of the policies we deal with are smaller policies intended specifically for final expenses.
And honestly, those policies are often lifesavers for families.
I see countless situations where a family simply would not have had the means to pay for funeral expenses on their own. Because their loved one planned ahead and maintained a life insurance policy, everything was covered. During one of the hardest moments in life, that foresight removes an enormous amount of stress and uncertainty.
Make Sure Your Beneficiaries Are Current
Over the years, we’ve seen many policies where the listed beneficiary was someone who had already passed away, often a spouse or parent.
When that happens, it can create major delays and complications during the claims process. The insurance company then has to determine the legal next of kin before funds can be released. At a time when families are already grieving, that extra paperwork and delay can become frustrating and stressful.
We’ve also encountered situations where the beneficiary was an ex-spouse.
In one case, the ex-spouse refused to assign the insurance proceeds to help pay for the funeral expenses. As a result, the surviving children were left having to cover the funeral costs themselves.
Situations like that are heartbreaking and preventable.
A Simple Review Can Protect Your Family
If you already have life insurance, that’s fantastic. You’ve already taken an important step to protect your loved ones.
Now take a few minutes to review your policy and make sure:
- Your beneficiary information is current
- Contact information is accurate
- Your intended beneficiaries are still appropriate
- You understand what the policy covers
Major life events like marriage, divorce, the death of a loved one, or the birth of children or grandchildren are all good times to review your policy.
It’s a small task that can make a huge difference for the people you leave behind.
If you have questions about your life insurance policy or need assistance updating or changing your beneficiaries, feel free to give us a call at Moore Funeral Home. While we’re not insurance agents, we work with these policies every day and are always happy to help point families in the right direction.
In life, most people believe there are only two moments when a funeral home becomes part of the story. The first is planning ahead , when arrangements are made long before they are needed. The second is after a loss , when families must make decisions in the midst of grief and urgency. But there is another season many families quietly walk, and it often goes unnamed. The Season Between There comes a time when someone we love is nearing the end of life. Sometimes there are days, sometimes weeks, sometimes longer. It is a tender and deeply human season where conversations can still happen, stories can still be shared, and love can still be spoken out loud. This is the final season of life. It is not defined by fear, but by meaning. It is a time when families begin to reflect, gather, and prepare emotionally for what is ahead. Yet many families walk this season without guidance. Medical and emotional care are often provided through hospice and caregivers, but many families still feel unprepared for the farewell itself. Not because they are avoiding it, but because no one has helped them understand that this season is where the work of meaning begins. When Time Becomes Precious During the final season of life, small moments carry great weight. Simple words and quiet actions often become the memories families treasure most. Families walking this season may find comfort in: Saying “I love you” openly and often Sharing stories and memories together Asking about wishes, faith, music, and legacy Speaking forgiveness and gratitude Writing letters for future milestones Gathering intentionally, not only when crisis arrives Grief does not begin only at death. Love continues long before and long after. This season is not just waiting. It is a time to love with intention. Honoring Life Before Goodbye Meaningful acknowledgment does not have to wait until after a loss. Many families find peace in honoring life while it is still being lived. Some choose to: Record stories and family history Create a memory book or photo collection Share meaningful music, scripture, or traditions Spend intentional time together in reflection and gratitude There is no perfect way to walk this season. Presence matters more than words. Preparing the Heart The final season of life can bring a mixture of emotions. Fear and peace often exist side by side. Families may feel unsure of what to say, what to ask, or how to prepare. It is okay to talk about the farewell. It is okay to ask questions. It is okay to seek guidance. Sometimes the most important step is simply beginning the conversation. You Do Not Have to Walk This Season Alone Many families receive wonderful care during the final season of life, yet still feel uncertain about what comes next. Guidance during this time can bring clarity, comfort, and peace. Sometimes families simply need: Help beginning meaningful conversations Reassurance about what to expect Guidance on honoring life before loss A calm place to talk without pressure This is not about planning a funeral. It is about preparing the heart. If your family is walking the final season of life, we are here as neighbors and as guides. No pressure. No obligation. Just care when it matters most.
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Your first holiday season after losing someone you love can feel overwhelming. The traditions, the music, the gatherings, the empty chair—everything has a way of reminding you who’s missing. Even moments that used to bring joy can suddenly feel unfamiliar or painful. If you’re entering this season for the first time without someone special, please hear this: You’re not doing anything wrong. And you’re not alone. Grief doesn’t take a holiday break. It doesn’t follow a calendar. And it doesn’t care that everyone around you seems to be celebrating. But there are ways to move through the season with a little more gentleness and a little less pressure. Here are a few thoughts that may help you survive—and maybe even find small moments of peace—during your first holiday season without someone you love. 1. Give Yourself Permission to Feel What You Feel Some moments might surprise you with warmth, and others may hit you harder than expected. Both are normal. You don’t owe anyone a perfect smile or a cheerful attitude. If you need to cry—cry. If you need to take a break—take one. If you want to skip an event—skip it. Grief doesn’t follow holiday expectations, and you don’t have to either. 2. Decide What Traditions to Keep—and What You’re Not Ready For Traditions can stir up both comfort and pain. You may not feel ready for everything you used to do: Putting up the tree Cooking their signature dish Going to Christmas Eve service Hosting gatherings Watching certain movies or listening to certain songs It’s okay to scale back, simplify, or do things differently this year. It’s also okay to keep a tradition if it brings you comfort. There’s no “right” way. There’s only what your heart can handle. 3. Create a Simple Way to Honor Them You don’t need something grand—a small gesture can help keep their memory close without overwhelming you. A few ideas: Light a candle in their honor Hang an ornament that reminds you of them Set out a photo Share a favorite story at dinner Visit their resting place Do one small act of kindness in their memory These little moments can bring both tears and warmth—and that’s okay. 4. Accept Help When It’s Offered (and Ask When You Need It) In the first year, simple tasks can feel bigger. Let people be there for you: Let someone help with decorating Accept the meal they want to bring Ride with someone to an event Ask a friend to check in on tough days People often want to support you—they just don’t know how. Letting them in doesn’t make you weak. It makes you human. 5. Don’t Be Afraid to Say “No” The first holiday season can be emotionally draining. You don’t have to attend every gathering or meet every expectation. You might say: “Thank you for inviting me, but I’m not up for it this year.” “I may come for a little while—I’ll see how I feel.” “I appreciate the offer, but I need a quiet night.” Your wellbeing matters. Protect your energy. 6. Find a Quiet Space When You Need One If you attend a gathering, you may need a moment to step out. That’s not a sign of failure—it’s a sign of being honest with yourself. Take a short walk. Step outside. Sit in a quiet room for a moment. Breathe. Small breaks can help you make it through the larger moments. 7. Give Yourself Grace You don’t have to “be strong,” and you don’t have to pretend you’re okay. Grief is hard work. Some days you’ll feel like you’re making progress; others may catch you off guard. Give yourself grace in the moments that feel heavy. Give yourself grace in the moments you find joy, too—joy doesn’t mean you’ve forgotten. A Final Word If you’re facing your first holiday season without someone you love, please remember this: There’s no right way through it. There’s only your way. Your heart is learning how to live in a season that looks different now. Be gentle with yourself. Surround yourself with people who understand. And hold onto the memories that bring light into the darkest days. At Moore Funeral Home, we walk with families through these difficult firsts every single year. If you need support or simply someone who understands what the holidays can feel like after a loss, we’re here. May this season bring moments of comfort, quiet strength, and the reassurance that you’re not walking this road alone.
Discover why simply being present is the most meaningful way to support someone who is grieving during the holidays. Your presence matters more than perfect words.
Support someone grieving this holiday season. Learn what to say—and what not to say—to offer comfort, compassion, and understanding.
Discover why moments of joy during grief are not a betrayal, but a natural part of healing. Learn how grief and joy can coexist, especially during the holidays.
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Having a permanent place of remembrance—whether burial or cremation—gives families peace, connection, and a lasting way to honor loved ones.
Many families believe the military pays for a veteran’s entire funeral, but that’s not the case. Learn exactly what’s covered at a VA cemetery — including plot, vault, and perpetual care — and what expenses families are responsible for when choosing a private cemetery. Moore Funeral Home is here to guide you through ev
This year marks a milestone for Moore Funeral Home — 80 years of serving families in our community. As we reflect on our history, it’s impossible not to think of the people who shaped this place into what it is today. For me, that story begins with my dad, Larry Moore. In celebration of our 80th year, we placed a bronze plaque outside of our chapel naming it the Larry Moore Memorial Chapel in his honor and memory. This is more than a name — it’s a tribute to his vision, his hard work, and his deep commitment to the families of our community. In 2011, when a tornado destroyed our original chapel, Dad saw an opportunity not just to rebuild, but to build better. At a time when many funeral homes were downsizing to cut costs, he chose to do the opposite — creating a spacious, beautiful chapel designed to bring comfort and dignity to every service held here. He wanted families to have a special place to honor their loved ones, and he made sure they did. Dad also had a knack for noticing details that made a difference. At the old funeral home, built years earlier by his brother Ronnie Moore, he often joked (though he meant it) that the chapel was on the “wrong side” of the building. When services began, the family and casket had to be escorted through the lobby, past guests waiting there. He promised that if he ever rebuilt, things would be different. When the new chapel was constructed after the tornado, it was exactly the way he envisioned it — on the other end of the building, with a thoughtful layout that allowed families to enter the chapel privately and without distraction. The Larry Moore Memorial Chapel is a space built with love, foresight, and respect — qualities that defined my dad’s life and his work. We will dedicate the chapel during our One Moore Ride Cruise-In on Saturday, October 18, 2025. I hope you’ll join us as we celebrate Dad’s legacy, this special milestone in our history, and the community we are so proud to serve. For me, this chapel will always be a reminder of Dad’s belief that families deserve the best we can give them — and I’m honored to have his name on the place where so many lives are remembered.
