Making funeral arrangements at the time of need can sometimes be stressful and confusing. Pre-need planning can make this difficult time easier by specifying your wishes in advance, either with or without pre-funding. Our caring and professional staff can help you determine which options are best for you, keeping in mind your unique requests and budget.

What are the benefits of Pre-need Planning?

Pre-need planning involves choosing funeral service options for yourself or a family member before the time of need. Some individuals select all the details of the service, while others prefer to leave some options for the family to decide. Planning can be done with or without funding the service at the same time. Making these difficult decisions ahead of time:

• Gives you the time needed to research the funeral provider, personalized location for services, and price.
   
• Allows you to personalize your service, making it as simple or traditional as you want.
   
•  Eliminates second-guessing the wishes of the deceased at the time of death.
   
• Removes a tremendous burden from your family on what is certain to be one of the worst days of their lives.

What are the advantages of Pre-funding?

Some individuals choose to provide funding for a funeral while making a pre-need plan. While this is not required, it does have certain benefits:

• Paying at today's prices guarantees that the funeral service will be carried out at no additional cost to the family.
   
• Pre-paying a funeral prevents other life insurance policies from being depleted at the time of a loved one's death.
   
• Allows you to consider cost effective options at a time when you are better prepared to make sound, fiscally responsible decisions.
   
• Gives you the flexibility to make payments - into an insurance policy, annuity, or trust account.
   
• Allows you to shelter assets when applying for Medicaid benefits. *Under Federal Title 19, pre-paid funeral expenses up to a designated dollar amount are not considered assets by Medicaid.