Pre-planning and Pre-paying

Pre-planning your own funeral gives you the opportunity for your wishes to be fulfilled. While pre-planning, do your research. It’s a good idea to check with several funeral homes to  compare their services and prices before making your final decision. You may be surprised on how many funeral homes encourage advance planning.

You can pre-plan a funeral without paying the funeral home directory by depositing money into a bank account for the benefit of the funeral home. You can also take advantage of pre-need services where you enter into an agreement with a funeral home and funds are kept in the name of the funeral home, as trustee for you.

If you opt to pay the funeral home for pre-payment, be sure to request a Pre-Need Itemization Statement. Once you have made your selection, be sure to request the details of the price that is included in your pre-need arrangements. This includes merchandise, services and facilitation of your choice. The Pre-Need Agreement should outline all terms as wells as your rights as the purchaser. It must also disclose how the principal and interest will be applied to the cost of your funeral expenses and merchandise at the time they are provided. Ask about the offer of a “guaranteed” or a “non-guaranteed” funeral in the agreement.

It is a good idea to designate a person to handle your affairs in the occurrence of your death. Be sure to let your loved ones know who you have chosen to make decisions for you in your stead. This person or persons may or may not be your beneficiary but they should be the one that you trust to have your best interest at heart.