There are several advantages of prearrangement.
Pre Planning is an opportunity to make funeral plans ahead of time to pay for funeral
expenses, control the cost of the funeral, make final wishes known, and gain peace
of mind by lessening the financial burden on a family at the time of death. A funeral
can be prearranged as much or as little information as you want. It offers you an
opportunity to choose the service type, casket, and outside receptacle.
Pre-arrangement can consist of as little as collecting vital statistic information,
to planning your funeral. The information we collect is kept on file at the funeral
home for the time of need. If you wish, you may go ahead and set aside money to
pay for your funeral when your family needs it.
Services and Options
Cremation – We provide a range of cremation options.
- Traditional Service with Cremation to follow – This package includes Memorial Service
and Viewing with Cremation to follow.
- Cremation with Memorial Service – This option provides the basic services of funeral
director and staff, removal and shelter of remains, local transportation to cremator,
completion of necessary authorizations and memorial service. This does not include
urn, flowers or honorariums.
- Direct Cremation – This option provides the basic services of funeral director and
staff, removal and shelter of remains, local transportation to crematory, completion
of necessary authorizations, and cremation. This does not include the Medical Examiner
Peace of Mind
We often have special wishes concerning our funeral arrangements. Decisions made
early provides you and your family with the comfort of knowing that everything will
be taken care of according to your wishes.
If you choose to pay for your prearrangement services and merchandise, those designated
funds lock in today’s prices, protecting you and your family from steadily rising
costs. For added protection, prearrangement funds are held by a legal reserve life
insurance company under the lawas and supervision of each state and federal regulatory
Questions we all share
Q: Should I prearrange my funeral or burial?
A: By prearranging, you will be able to make more informed decisions
regarding the details of your funeral, cemetery arrangements, and the style of your
memorial. Prearrangement allows you to compare the various services, products, and
prices offered by different companies. Prearrangement is a hands-on process – you
will be able to make choices that are meaningful to you and your family. By taking
charge of your funeral details in advance, you will have preace of mind knowing
that your loved ones are relieved of the emotional and financial strains that come
from making arrangements suddenly after a death has occurred. In addition, by prearranging,
a guaranteed price contract can be put into place that allows you to purchase at
today’s prices, free from any future inflation, at the time your funeral takes place.
Q: If I pre-plan and prepay my funeral or burial, how do I know
that the money will be there when I die?
A: Two methods exist to ensure the funeral home’s performance if
you chose to pre-pay your funeral or burial:
- Your money can be used toward a premium to purchase life insurance. In this case,
the policy proceeds will pay for your arrangements. If you have chosen to purchase
a life insurance policy to fund the preattangement and you die while you are still
paying for your pre-arrangement plan, the balance will be automatically paid.
- Your funds – either the entire amount or a portion of them – can be deposited into
a trust fund account to defray to provider’s cost. If you have chosen to open a
trust fund account and you die while you are still paying for your pre-arrangement
plan, your family must pay the remaining balance.
Both methods have their advantages and disadvantages, and the details of both plans
should be disclosed to you. Your contract should state whether or not the purchase
price is guaranteed (meaning, whether or not you or your loved ones will have to
pay additional fees on the items you have selected in your contract). A guaranteed
price contract ensures that no further payment will ever be required beyond the
price stated in the contract for the items you are purchasing.
Q: If I prepay my funeral, what happens to the interest that my
A: If you have a prearranged funeral or burial agreement in which
the items you have purchased are guaranteed, the interest (or growth, if you have
purchased a life insurance policy) is retained by the funeral home. Prearrangement
and prefunding allow you to pay for goods and services at today’s prices regardless
of how much time passes between your prearrangement and your funeral/burial; the
interest or growth accrued by your trust account or life insurance policy cover
the inevitable rise in prices over time.
Q: Can I change any of these prepaid funeral services later?
A: Yes, changes are generally possible, but it is not recommended
that irrevocably assigned funeral plans be changed. When changes are made, they
often affect the terms of guarantees that were created under the original agreement.
If funds paid toward a funeral plan are excludable resources for the purpose of
receiving social services (SSI or Medicaid), changing the terms of that agreement
might jeopardize qualification for assistance.