When calculating the surviving family's ongoing cash needs at the death of the prospective customer, which expense is NOT considered a cash need?

In determining the ongoing cash needs of a surviving family after the death of the insured, funeral expenses are generally categorized differently from the surviving family's recurring cash needs. While the bereaved family does indeed have to pay for the funeral, these expenses are typically considered one-time costs associated with the death rather than ongoing cash needs that the family will face regularly.

On the other hand, utilities, transportation expenses, and family medical expenses represent ongoing, necessary expenditures that the family will continue to incur after the death of the insured. These costs need to be covered over time, significantly impacting the family's financial situation. Hence, funeral expenses, being a singular event cost, do not fall into the category of ongoing cash needs.