Genial Society for a Perpetual Assurance Office, Serjeants' Inn, Fleet Street, London, 1801 Extra security gives a financial advantage to a decedent's family or other assigned recipient, and may explicitly accommodate pay to a protected individual's family, internment, memorial service and other last costs. Disaster protection approaches frequently permit the choice of having the returns paid to the recipient either in a single amount cash installment or an annuity. In many states, an individual can't buy a strategy on someone else without their insight