Spouse owns a cremation policy that covers the opening of the grave, and a few death certificates, transportation from crematorium to grave site and misc. expenses. It does not cover the transportation from either the hospital or SNF to the mortuary or crematorium. This must be paid upon his death. I'll have to pay the cost of his probate/attorney and whatever misc. expenses come up.
I own a partially paid 20K whole life policy on his life.
My husband is the insured, I am the owner, and I am listed as the beneficiary. Neither the funeral home or the state are listed as beneficiaries.
He has not died, but I figure it's time to clarify this detail.