About Funeral Pre-Planning
Preplanning Your Final Arrangements
Do I really need to preplan my final arrangements? Just as preparations are made in anticipation of a birth, likewise plans should be prepared for final arrangements. Just as decisions are made when preparing to bring home the new arrival, even more decisions will need to be faced when planning an earthen burial or cremation.
One of the most beneficial aspects of preplanning final arrangements is the reduction of decisions that will need to be made after the death occurs when emotions may be involved. In addition, recording vital information that will be necessary when completing the official documentation requires knowledge of personal information of the deceased. Date of birth, location of birth, parent’s names including mother’s maiden name, etc. are just samples of the information that your loved one will be required to provide at the arrangement appointment. Not always does a family member know all of the information that will be asked. By recording this information ahead of time with the funeral home of your choice, it will just need to be reviewed at the time of death. Thus, reducing the duties that will be facing your loved one.
Whether you prefer a traditional service or cremation with a memorial service, final arrangements can be personal, meaningful and unique to your life and offer a lasting tribute for your family and friends. Service location, scripture, music, participants, final resting place, in addition to many other aspects can be recorded and kept secure in the funeral home of your choice regardless if a funeral trust is purchased or not. Just be sure to let a family member or dear friend know the location of your recorded prearrangements and the funeral home you prefer.
Some frequently asked questions are:
What are the benefits of a funeral trust?
A prepaid funeral can protect you and your family from future inflationary trends by locking in the price for many aspects of the arrangements. In addition, funeral trusts can provide peace-of-mind for your loved ones as well as for yourself by having your wishes recorded and secured.
Can I use my life insurance for final arrangements?
Life insurance policies can be used to pay funeral expenses by having the designated beneficiary sign a funeral home assignment form. Unlike funeral trusts, there are no locked in prices to avoid inflation. In addition, it is important to keep beneficiary selections current to avoid delays in claim processing.
If I move out of state, will my prearrangements still be in force?
Regardless where you live, funeral prearrangements can be transferred to the local funeral home with one important exception. Any secured pricing in the funeral trust is only guaranteed with the funeral home you originally selected. The trust will be released to the original funeral home and the proceeds will be sent to the funeral home handling the arrangements.
If I move out of state and wish to come back “home” for my final arrangements, will be funeral trust be available for the secured pricing?
Yes, when using the original funeral home who secured the guaranteed portion of the funeral trust, the locked in pricing will be in effect. Please note – it is best to call the funeral home of your choice to handle the arrangements, especially the out of town arrangements in lieu of selecting a funeral home locally. It is in your best interest to contact the funeral personnel of your choice to handle all aspects.
I have recently viewed life insurance companies selling final expense policies on the media. Do these work the same as a funeral trust from a funeral home?
Purchasing any type of final arrangement insurance is always a good idea, but remember life insurance companies cannot guarantee funeral pricing to avoid inflation. Only a licensed funeral director can secure funeral home pricing.
To review – the five most common reasons for prearranging your final wishes:
Communicates your wishes
Reduces decisions for friends and family at an already emotional time
Guards against inflations with items that quality for guarantee pricing
Grants peace of mind for your loved ones as well as yourself
Relieves your loved ones of the financial responsibility