Pre-arrangement Frequently Asked Questions
What is Pre-planning, or Pre-arrangement?
When you plan in advance, you are making choices now based on your wishes as to how your final arrangements will be carried out. Thus, you can reduce family concerns at the time of your death.
What do I need to do to preplan?
At your convenience, you can meet with a member of our staff to discuss your options and your preferences. When you make arrangements in advance, you’ll want to consider your type of service, casket, and vault you wish . By making some or all of these decisions now, you give your family peace of mind, and also benefit financially.
What are the advantages of advanced planning?
There are many advantages when you take care of your final arrangements in advance. The most obvious benefit is financial, but there are a number of emotional benefits, too. When you make arrangements in advance you have a better opportunity to make informed choices. If you decide to prepay, you guarantee today's prices, and can take advantage of affordable payment plans. We can provide additional professional advice on preplanning and prepaying.
What is the difference between prepaying and preplanning?
When you preplan, you do not need to pay for everything in advance—your estate can pay for the services at the rates being charged when your funeral is held. When your plan is complete, the funeral director will keep it on file until it is needed. However, if you prepay at the time you make your pre-arrangements, you can lock in today’s prices. We offer several affordable payment options. We’ll be happy to discuss these options with you and help you make a decision that best suits your needs.
Where does the money go that I prepay into a plan?
The monies paid into a prepaid funeral plan are invested into a trust. Other than a nominal fee the State Department of Banking allows the funeral home to keep for administering the trust, all monies are deposited into a trust until the time of death.
- Types of Trusts:
- A revocable trust is a trust that any amount of money may be deposited into. At any time, the purchaser may cancel the prepaid funeral and receive a portion of his or her money back. An irrevocable trust is most commonly purchased by someone who eventually might need care in excess of his or her assets. Once purchased, it can be used for burial purposes only. It is not refundable.
What if the cost of the services/products I pre-pay is greatly increased at the time of my death?
Once you prepay for a selected funeral service, the terms both parties agree to are permanently in effect. Funeral services and merchandise are guaranteed as long as the purchaser honors the contract and pays according to its terms. Cash advance items, i.e., items that the funeral home contracts for the purchaser, such as death certificates, flowers, obituaries, opening and closing the grave, may be estimated and paid on but will not be guaranteed by the funeral home. Ask the funeral director for a complete list of these items.
What if your funeral home is no longer in business at the time of my death?
Because your money is held in a certified trust governed by the State Department of Banking, it will always be there for you even if our business were to be purchased by someone else or go out of business.
What information will I need to provide on the On-line Pre-planning/Pre-arrangement Form?
This easy-to-use form should take only a few minutes to complete and will require contact information, and your site/property and memorialization preferences. You’ll have the option to select services, based on your preferences and the associated costs. View or complete the On-line Pre-planning Form now.