The insurance policy was made out to the funeral home and they milked more than every penny. The estate was not a wealthy one, but they took advantage of the situation, and the family. The bill has redundant charges. Most people want to put the pain behind them and will not question the funeral home, so the family can move on and get the past behind them. The family is having a hard enough time dealing with their loss, this just makes it even sadder.
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