PRE-PLAN YOUR "DREAM FUNERAL", EVEN IF IT'S 50 YEARS AWAY, AND TELL YOUR FAMILY WHAT YOU WANT.
Planning your own Funeral is not something that you may like to think about. Fact is you are not alone. This is something a lot of people do not do or even think about. They avoid it. But, what happens if you do? Nothing but issues for your loved ones.
By avoiding thinking about or planning for your death you're really giving up your authority over some of the most critical decisions you would ever make in your lifetime, leaving them to be made by relatives who are caught in the emotional turmoil of grief after losing someone they loved.
When you do decide to do the right thing and plan ahead, you are saving your family from so much turmoil and stress that is not needed in an already hard time. That being said, do not feel pressured to plan it down to the last detail, you can still plan a few aspects to make it much smoother for everyone involved.
THE BIGGEST DECISION YOU SHOULD MAKE: BURIAL, CREMATION OR DONATION?
First and foremost; you must decide what you'd like done with your body. You can let your family if you'd like to be buried, cremated or to have your body donated to science. Write it in your Will and put it in your pre-arranged contract. Just let someone know your definite answer to avoid unnecessary stress during an already emotional time. If you don't care what happens to your body, let them know that too.
If you chose burial, you'll need to chose a casket and burial location. If you chose cremation, you'll need to chose a cremation container, dispersement of your cremains or storage of those cremains. If you chose donation, you must research your choices.
finding a funeral director.
Use the services of a Funeral Home that you trust and like and work with their Funeral Director to plan your burial or cremation and funeral or memorial service. The Funeral Home can also help you arrange other good and services required to follow out your wishes. Find a Funeral Director that listens, they are ultimately there to only offer advice.
ways to plan ahead.
There are a variety of ways to pre-plan for your funeral:
It should be noted that at the time of death any prearrangements may be altered by the next of kin or executor. Be sure to let your wishes known so that they can make the best decision for you.
how are you paying for it?
You've arranged and/or planned for your funeral but have you decided on how it will be paid for. Leaving the burden of paying for this service is another added stress that your family does not need during their time of grief. There are a few ways to make sure funds are available for your funeral:
misconceptions and truths.
There are several misconceptions about pre-planning and pre-arranging your funeral. We thought we'd list several here and give you some insight into the truths of each statement.
I'm too young to plan my funeral. I will wait until I'm older.
Truth is - you never know when you will die. Although people avoid thinking about their funeral, it is really just a natural part of planning for your future. There is no golden age as to when it is appropriate to plan, planning ahead can be very helpful. You are ultimately reducing the stress on your family and ensuring the funeral reflects your wishes.
I'm donating my body to science because it's a free way for my family to have my body cremated.
Simple truth is that not all bodies that are donated to science are cremated and returned to the family. In some cases a financial contribution may also be requested for donating a body to science. You should also be aware that not all bodies are accepted. It is best to do your research ahead of time to find the best fit for you and your family. Be sure to tell your next of kin about your wishes and to always carry your signed donor card in your wallet.
If I purchase a pre-need contract with a specific Funeral Home then I will lose the money if I chose to go somewhere else.
Firstly, a Funeral home must be licensed to sell pre-need contracts and are bound to rules and regulations when selling these contracts. If you change your mind after signing and receiving a copy of the contract, you have 30 days to cancel it without charge or penalty. You can still cancel after the 30-day period and the Funeral Home may only charge you a small administrative fee that must be stated in the original contract. If your family wants to use another Funeral Home at the time of your death, they are able to withdrawal the funds also again following the same rules above.
I'm concerned the Funeral Home from which I purchase my pre-need contract will take off with my money.
When you enter into a pre-need contract with a Funeral Home, they must deposit the money you pay into a trust account. Your contract will tell you where the trust account is located. Your funds can only be pulled with your permission upon cancellation or at time of need.
I have Life Insurance so I don't need to pre-pay my Funeral plans.
There are a few issues with this statement.
Life Insurance payouts are dependent on the cause of death. In some cases, based on the cause of death your insurance will not pay out at all. If you are required to be examined by a Medical Examiner the insurance company will require a copy of the Medical Examiners report - which can take anywhere from six to nine months - before they will pay out.
I don't have enough money to pre-pay my pre-need contract so I will wait until I do.
Truth is - you don't have to pay it all out at once. You can work out a payment plan with the Funeral Home that best suits your financial situation. For your pre-need contract to stay valid when the time of need comes, you will need to pay out the balance in full before any services are rendered.
plan with us.
Pre-planning your funeral may seem overwhelming but planning ahead can be a rewarding experience that can offer peace of mind. Our promise is to make it as easy and as stress free as possible. We will walk you through it every step of the way.
If you are ready to make this very important decision please contact us to arrange a free consultation to discuss your options.