When a loss occurs, the world seems to stop, yet the number of responsibilities can feel overwhelming. In those first 48 hours, grief is often interrupted by the need for quick decisions and logistical planning. Utilizing the 48-hour checklist can provide a sense of direction when you need it most.
At Security National Life, we believe our role is to be more than just a life insurance company, we are your partners in protection. This checklist is designed to help your family move through the first two days with clarity, ensuring that nothing important is missed while you focus on honoring your loved one.
Day 1: Focus on Care and Connection
The first 24 hours are about the respectful care of your loved one and notifying those closest to them.
- The Official Pronouncement: If the death occurs at home, you must call a hospice nurse or local authorities to make the official pronouncement of death.
- The “Point Person”: Designate one family member to handle outgoing calls. This allows the primary mourners to grieve without the stress of repeating the news dozens of times.
- The Funeral Home: Call the funeral home to arrange for transportation. If your loved one had a Preneed plan in place, this step is simple. The funeral home will already have their wishes on file.
- Immediate Security: Ensure that the home is locked, pets are cared for, and any mail is brought in.
Day 2: Organizing the Legacy
The second day is when the “paperwork” begins. This is where your preparation pays off.
- Locate the Life Insurance Policy: Find the original contract. This is your family’s financial safety net. It’s the document that ensures the funeral costs and immediate bills don’t become a burden.
- Call Your Agent: Reach out to your life insurance company immediately. They are trained to help you through the claims process for you, ensuring funds are released quickly so you can focus on the memorial service.
- Gather Vital Statistics: You will need your loved one’s Social Security number, birth certificate, and (if applicable) military discharge papers (DD-214) for the funeral director.
- Request Death Certificates: Ask the funeral director to order at least 10–12 certified copies. You will need these for banks, Social Security, insurance claims, and closing accounts.
Why This Matters for Your Family
Planning for the end of life isn’t just about money; it’s about removing the “Urgent” noise so your family can focus on what is truly Important: saying goodbye. When a family has a solid life insurance plan, the 48-hour window changes from a financial emergency into a time of remembrance.
A Gift of Clarity
We encourage every family to keep the 48-hour checklist in a safe place along with their policy. By knowing what to do ahead of time, you are giving your family the gift of a steady roadmap during their most difficult journey.
