When dealing with the death of a loved one, the last thing you want to worry about is how to pay for a burial. Jose Salgado bought life insurance plans for himself and his wife through his government job. Those plans will only pay the beneficiary, not the funeral home. So the funeral home is waiting for insurance money to come through before they hold the service, and the insurance company is waiting for a death certificate before they send money. "Makes me feel low. With a good insurance like that, and I work for the government for 32 years, I thought I had good insurance, that anybody would take it you know. Its government," says Salgado. The Texas Funeral Service Commission says there is no policy requiring funeral home directors to take insurance plans. Guajardos Funeral Chapel doesnt deal with Mr. Salgados type of insurance because of payment problems in the past.