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.