Simply put, funeral pre-arrangement is the process of meeting with a trained, Licensed Funeral Pre-arrangement Professional to review your entire funeral and final disposition options and choices; prearranging all the details of your funeral service in a written form and establishing a comfortable and affordable means of final payment.

Funeral pre-arrangements should be considered by people of any age, at any time, which feels a need or desire to plan ahead.  These may include: individuals who have no close living relatives; individuals who have no survivors; people who move away from home, but wish to have final rites in their former community; families who feel planning their funeral and burial arrangements in advance would be a valuable sharing experience; parents (of any age) who wish to give their children guidance in making funeral arrangements; those who travel extensively; anyone with a true desire to make things easier for their loved ones and give them peace of mind.

Funeral pre-arrangement plans can be made at absolutely no cost to you or your family.  Your only investment is the conference time to meet with a qualified and fully trained Funeral Pre-arrangement Professional.

Verbal directions are often times too vague and lack the direction family members need to carry out services they are confident and can feel good about.  This will cause your family to second guess your wishes and become unnecessarily burdened with frustration, worry and guilt.  A written and detailed plan is the only proven way to eliminate misinterpretation and disagreement among survivors.

All our pre-funded funeral arrangements are exempt from Medicaid and SSI asset qualification, if made irrevocable, which removes the value of the plan from the computation determining eligibility for these government benefits.

There are numerous advantages.  Besides the peace of mind in knowing that everything is properly taken care of; one of the financial advantages is that it prevents your survivors from having to pay for your funeral and final expenses at a time when circumstances such as a catastrophic illness or sudden death might significantly reduce their ability to pay without hardship.  Another advantage is that you are able to help offset the cost of inflation as it affects your arrangements.  Your survivors will not have to pay any more money for your arrangements at the time they are rendered.  This results in a significant cost savings for everyone.  Life insurance benefits can therefore be left entirely for the future living expenses of survivors, instead of having to pay final expenses.

When you preplan, and prepay, your funeral arrangements, we guarantee that we will provide our services, and the merchandise you select, at the time of need.  You pay today’s prices.  The funds are invested, in accordance with state law, in a pre-need funeral insurance policy.  These policies are specifically designed to grow in value, so the proceeds will cover the cost of the selected funeral arrangements when death occurs.

A pre-need funeral insurance policy is an insurance policy whose benefits are assigned to cover the cost of a pre-arranged funeral contract between an individual and their preferred funeral provider.  A funeral contract typically includes professional services, funeral merchandise, funeral services and even cemetery services and merchandise.  The purpose of pre-need funeral insurance is to set aside funds before the need arises, thereby protecting your loved ones and your financial assets by “locking in” at today’s costs.  Pre-need funeral insurance is a choice, not a requirement.  All pre-need insurance policies are tied directly to the costs of a pre-arranged funeral.  All of the services and merchandise that you select will be covered.  There is no tax liability on the death benefit to your surviving family members and there is little or no underwriting required to apply for a pre-need insurance policy.  Our funeral pre-planning professionals, not anonymous underwriters, make the decision.

No Problem!  Your funds, in most cases, are completely transferable to any acceptable funeral provider of your choice anywhere in the United States and Canada.  Furthermore, all monies are carefully monitored, protected and safeguarded by various state  and national government agencies.  Our firm’s reputation is always at stake, therefore we choose our business partners very carefully and we thoroughly screen all companies we do business with to ensure trust, accountability, reliability, ethics, honesty, stability, soundness and reputable business practices.

Yes!  In addition to being able to pay for all or some of your funeral plans in full at the time of making your pre-arrangement, you also have the option of making monthly, quarterly, semi-annual or annual payments.