You are most welcome. I carry a small amount of insurance on my sister. Her health is so poor, I never know when she might pass away. Noone has money for helping her, and so I feel the need to carry some. She has been thru a torturish 10 years or more. I have planned if she should die, to have her cremated(have to bring her back to my area first)and place a container with her ashes with our mother. Despite the horrible tragedy she loved both parents. I found out the place our family has burial plots...they will allow a person who is cremated, to be "buried" with a family member, in a closed container. I hate to think of losing my sister, but one never knows what might happen next. I have already told the Warden, if she should die, I want her brought back here......I hope the info I gave is a help...I was very glad to find it......Nomi.....