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Kim_Carrigan's Blog

by Kim_Carrigan from Dedham, MA

Last Post 4 days Ago


Hello Fellow Bloggers,

There's a Funeral Director in Lawrence facing some serious charges...and I'm happy about it. A grieving family comes in to make arrangements to burry their young son. The child was hit by a car while riding his bike. The Diaz Funeral Home quotes the family a price of 15-hundred dollars. Until they find out there is life insurance. Then the price becomes 11-thousand dollars. Mr. Diaz is now facing larceny and insurance fraud charges.

Why is it that Funeral Directors believe they are entitled to any and all insurance that exists? Just because a person has a life insurance policy doesn't mean they want all the money spent on a funeral.

A few years ago, my Grandpa died. When my Dad and I went to make the funeral arrangements, the first question we were asked was " Did Mr. Triplett have life insurance?" My Dad immediately said yes but that we didn't know the total amount. He told the person we were working with that we would be making our decisions based on need not the value of the policy. Might I suggest to everyone out there, never reveal the amount of a loved ones life insurance policy. You most likely will find the funeral you're planning will automatically cost the same as the policy's value.

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Member Comments Total Comments: 24
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BCAM
Jun 30, 2008 | 12:15 PM

Hi Kim, I am happy they caught this guy, This was a young child, how aweful to do that to the family, My niece died at 3 months old and the funeral home we went to didn"t charge us anything, they covered the whole thing, we had no insurance on her, she was 3 months old,ever since then everyone in our family goes to this funeral home, They did a wonderful thing, and they will not be forgotten, I"m sure they have made more money from us, then they lost, So my point is, some homes are out to make money and some do what they do because they care, Shame on them for trying to make a quick buck! off the death of a sweet child!

fenwaydav read my blog view my photos
Jun 30, 2008 | 12:48 PM

That is disgusting that a man in that position could prey on people when they are at their most vulnerable time. I tell my family to call the VA and tell them they have a dead Veteran. I don't give a rats ass what they do with me when I'm gone, I truly don't. I do know for sure if I have any money I'll come back to haunt them if they waste it on a funeral. Give it to Rosey's Place or Angell Memorial Pet Hospital.

JuneInMA read my blog view my photos
Jun 30, 2008 | 1:18 PM

BCAM,

I'm sorry your family had to bury such a small angel. That must have been horrible.

Kim,

I don't know what the maximum penalty is for this, but that's what he should get. What a piece of scum!

Fenway,

The fact that you would consider leaving monetary donations to the MSPCA just placed you at the top of my VIP list. Granted, there are no glamorous benefits to my VIP list, only being one of the people I consider priceless.
By the way, I just got a new baby kitty this past Saturday. His name is Pocket and he's 3 and a half months old. I added his pic to my folder.

jovanone read my blog view my photos
Jun 30, 2008 | 2:36 PM

Kim,

Was it just this Funeral home who did this or is this customary for all Funeral Homes? Talk about a piece of crap. How can anyone take advantage of someone who is in crisis and not really thinking straight? I hope he does lose his license and I hope he loses it for good. That should send a message loud and clear to all of these Funeral Homes who ever did this and didn’t get caught.

Great piece of information Kim, Thank You.

TheEliteOne read my blog
Jun 30, 2008 | 3:50 PM

Kim: This is good information you have posted.
This is a question that should not be allowed. Companies for years asked too many personal questions during interviews. It is time the state jumped in and regulated the questions asked by funeral homes.

heatherfont read my blog view my photos
Jun 30, 2008 | 5:26 PM

Kim,

What a horrible thing to do! I have found that the same applies in many other industries. Many auto dealers and real estate agents are good examples. They always want to know to the penny what you are worth before listening to your wants and needs. My husband and I have a pact with each other that we give the bare minimum of personal, financial information when making any purchases. We even had a car salesman once tell us that he got more commission if he was able to convince us to take out a loan on a car rather than pay for it in cash. It's just sad to think that people should have to have their guard up at such a tragic, trying time.

sirB read my blog
Jun 30, 2008 | 5:41 PM

Excuse me Heather,

Don't drag real estate agents or car dealers into this.

I'm a Real Estate agent, and I never, ever, ask what someone is worth. I listen to their wants and needs from the get-go. Their over-all fiancial worth is irrelevant. I do not need to know any of that, no agent does. If you're a buyer, I would obviously need to know you price range and how much you plan to finance. As a seller, I need to advise you on how much your house is worth in the current market.

I've done many deals and NEVER have I had to know, or cared to know what anyone is worth, especially before listening to what they had to say. Any realtor that does has no idea what they're doing. So don't generalize!

I've also bought my share of cars and, again, NEVER has any dealers asked me or needed to know about what I'm worth. A credit check is plenty.

You clearly either have NO idea what you're talking about, or have delt with some real morons. Choose wisely!

TheEliteOne read my blog
Jun 30, 2008 | 6:13 PM

I'll drag the car dealers into this. There are good ones, but many crooks. And the reason behind the housing foreclosures, is because all the real Estate agents are too busy in church. There are crooks all over that profession as well.

I just crossed to the dark side with this post. Fenwaydav, here I come.

sirB read my blog
Jun 30, 2008 | 6:17 PM

It's the mortgage companies and the banks to blame for the foreclosures. Exactly ho are ther agents to blame? Back that up elitist!

jovanone read my blog view my photos
Jun 30, 2008 | 6:57 PM

You are spot on with that sirB....

Xantun read my blog view my photos
Jun 30, 2008 | 7:03 PM

Kim, some insurance companies actually provide a number for funeral home directors to call. It verifies that someone has a policy, but won't tell them how much the policy is worth. In this day and age, that should become required if "people" (and I use the term VERY loosely here) like Mr. Diaz are doing business.

Although, in some cases, IF you are working with a trustworthy funeral home and your loved one had either no insurance or very little, it is a good idea to let the director know this fact. For instance, when my grandfather died, he had very little insurance. (I don't remember exactly how much, but it was 3 or 4 thousand dollars.) The funeral home we dealt with was very good about working with us to make sure he had a decent funeral on the amount we could give them. So, when my brother died 3 years later with no insurance, we dealt with the same funeral home again, and again, they were wonderful. Like BCAM's story, they didn't charge us anything, even though my brother was 23. The director said that they would submit a claim to his auto insurance (he died in a car accident), and if the company paid, great, but if not, not a big problem. Granted, neither of these funerals were very fancy, but both went above and beyond the little bit we were able to pay.

TheEliteOne read my blog
Jun 30, 2008 | 7:10 PM

The agents lead the buyers to the crooked mortgage brokers. Go ahead, deny this.

sirB read my blog
Jun 30, 2008 | 7:38 PM

There are crooked people in every profession, even yours. I myself have never led a client to any mortgage broker, nor do I know an agent that has. The mortgage brokers I do know are NOT crooked. I've bought property before, and did my homework before hiring a mortgage broker. It's my responsibilty to make sure I get all the info I need before making one of the biggest decisions of my life. Although I do feel badly for all these peole losing their homes but, all these people that had no idea their mortgage was gonna double in 2 years speaks volumes about ignorance.

Now elitist,

What do you do for a living? Judging by your handle you work on Beacon Hill. No crooks there.

sirB read my blog
Jun 30, 2008 | 8:13 PM

To say that RE agents are to blame for all the forclosures today is just stupid.

Any broker that referred a bad broker back in the crazy market a few years back, most likely had no idea the said broker was crooked. Look at Countrywide. They were considered to be great. Nobody new at the time they were gonna turn out the way they did. Other people to blame are the appraisers. They'd come back with the wrong appraisel on purpose so the client would qualify. By and large the banks are to blame for handing out loans like candy. It blew up in their face and believe me they're screwed. the Fed has to do the old "bail out" again. These are the days where the rich get richer and the poor lose everything.

TheEliteOne read my blog
Jun 30, 2008 | 9:57 PM

I did not say all, just some.

jovanone read my blog view my photos
Jun 30, 2008 | 9:58 PM

sirB,

You’re right; the banks are the ones to blame for all the foreclosures. Ten years ago if you went to the bank to get a loan for a house you had to show your w2 forms for the last 2-3 years, your bank statements verifying you have as much money in the bank as you said you had, you had to verify your employment and bring in 4-8 weeks of pay stubs . In other words you had to verify everything you said you have. All of a sudden the banks decided not to do that for some God forsaken reason. Why I’ll never know. They didn’t check or verify people’s income, employment etc, etc,they sort of went by the honor system, which proved to be a major catastrophe on their part, but that’s why we’re all in the boat we’re in, thank the banks and the appraisers for this mess.

As far as people going to a realtor looking for a house, they usually come with a pre-approval letter from the bank saying their financing has been pre-approved for a certain amount of money and they can afford to buy said property. Buyers are responsible to get their own financing not the realtor’s responsibility.

jovanone read my blog view my photos
Jun 30, 2008 | 10:04 PM

Just a foot note to my last blog. You can also blame all the buyers who lied on their loan applications as well for the foreclosures.

sirB read my blog
Jun 30, 2008 | 10:44 PM

Jovanone,

Absolutely!

When I got my last mortgage in 2006, I got a no-income verification loan. I couldn't believe this was possible, but I knew I was good for it so I moved forward. I also refied and same deal. I got a credit card based on stated income. That's insane. I merely told them what I make and that was good enough for AMEX. They gave me a line of credit based on the honor system. Now so many people are in credit hell.

Although these banks dropped the ball to say the least, it is up to the consumer to do their due-dilligence and so many did not.

Elitest,

You said "the reason for all the forclosures is because ALL of the RE agents are in church". I had to assume you meant ALL of us. But at the same time you seem pretty reasonable and I believe you did not honestly think it was all of us. Unfortunately their are some scumbag realtors out there. They don't last very long. This I know.

Chip read my blog view my photos
Jul 1, 2008 | 11:37 AM

The solution is for each of us to take personal responsibility (am I a broken record or what....) and contact our favorite funeral home. It is possible to buy our own funerals, at today's cost, just as we'd like it. This takes both the vultures and the added heartbreak off our families.

BCAM
Jul 1, 2008 | 1:35 PM

Juneinma, Thank you, My niece died of suffercation wile sleeping in bed with her parents, it was an aweful accident, her parents have never recovered, I tell people all the time, DON'T SLEEP WITH YOUR BABYS!

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Kim_Carrigan

I anchor the FOX25 Morning News every weekday morning from 5 a.m. to 9 a.m.

Member Since: 2/17/2007