Pre-Planning Options

Many people plan for life events such as weddings and vacations well in advance, but many people do not plan for something that is certain to happen, their funeral.  While most people do not want to think about their own morality, the time to pre-plan your funeral is now.  The primary advantages of pre-arranging your funeral is to relieve the burden on your loved ones in an already emotional time, and to ensure your funeral is carried out according to your wishes, eliminating the task of second-guessing what you would have wanted.  Taking the time now to arrange your funeral is one less thing your loved ones will need to worry about once you’ve passed. Pre-planning and pre-paying your funeral is one of the most thoughtful gifts you can give to your family.

Pre-Payment Options

Pre-paying your funeral reduces stress and financial burden on your loved ones after your passing.  We can co-ordinate a payment plans that suits your needs.  By pre-paying your funeral you eliminate your family second guessing on if they have spent too much or too little on your funeral. For more information please give us call.

What you can do in advance…

Decide on Burial or Cremation and your casket or urn type.
Pick what type of service you want (religious, military, non-traditional)
Choose which funeral home to use.
Designate your pallbearers, pick any music or readings you want at your service.

Benefits of Pre-Planning

Between 70 and 75 decisions are made within the first 24-48 hours of death.  It’s difficult to think rationally while making so many decisions within days of losing someone, pre-planning gives yourself, family and friends peace of mind.  Pre-planning gives your loved ones direction of your wants and desires.
It’s easy. Anyone can do it, and you can change your mind at any time.

A Simple Guide for Your End-of-Life Planning

End-of-life planning is a final gift you can bequeath to those you love in your life. When you die, your friends and family will have their work cut out for them, all the while dealing with very heavy emotions and grief. By hammering out the details beforehand, you cut down on the amount of difficult decisions your family has to make while ensuring your end-of-life arrangements are carried out the way you want.

We use the term “end-of-life” planning versus “funeral” planning because the process is much more involved than many realize. It’s not just about choosing your means of disposal and what songs you would like played at a ceremony. You have to make real world decisions, such as finding the best ways to give your family legal authority to act on your behalf should you become incapacitated. This may be through establishing power of attorney, appointing a representative for your Social Security, or drafting a living will.

Having the Talk

Communicate your needs and desires to the people who will be in charge of executing your decisions so there is little room for doubt. A good way to make sure you do not skip over information is by writing everything out beforehand. Make an outline of what you want to talk about and any questions you may want to bring up when talking with your family. It may also help to have a trial run of the conversation with a friend or confidant before you bring it up with your close loved ones.

Being prepared for this difficult talk will make it easier and more effective. Pick a time and a comfortable location for the conversation where everyone can be involved without feeling left out. Finally, be patient. Your first talk about end-of-life arrangements doesn’t have to be the only one—it’s just a jumping off point where everyone can begin to feel comfortable with the topic.

Paying for End-of-Life Arrangements

An important thing to decide early on is how exactly you will finance your end-of-life arrangements. Funerals and memorials are not cheap. Since 2010, the average cost of a funeral has increased by an estimated 4.1 percent annually in the United States. According to the National Funeral Directors, the average cost of a burial funeral is $7,300, while the average cost of cremation is $3,100.

An obvious benefit of planning your end-of-life arrangements early on is it gives you the opportunity to research and price compare funeral homes. The right funeral home can save your family thousands of dollars. Urns and caskets make up a large chunk of funeral expenses, yet different funeral homes charge wildly varying prices. For instance, a survey of 57 funeral homes found  the average cost of a cremation urn was $478, with urns ranging from $50 to as much as $1,790! Doing the legwork and research beforehand can prevent overpaying. Finally, feel free to haggle with funeral homes. The starting price they give you is never necessarily the bottom line. Bring your research about other area homes into negotiations as a bargaining chip.

You have a few different options when it comes to finding the money to pay for a funeral or memorial. If you have the cash, most funeral homes will allow you to prepay for your service so arrangements are ready and waiting. If your loved ones would like more autonomy over the planning process, setting up a joint checking account provides them with access to the cash they’ll need. Other options include Totten trusts, life insurance or burial insurance, and credit cards, though you should weigh heavily whether you want to leave any debt behind for your family to deal with.

Planning for your end-of-life arrangements is a kindness to your family and friends. The overwhelming nature of grief makes it difficult for them to care about the aspects of planning and paying for a funeral or memorial service. By having the details hammered out ahead of time, they can focus on saying goodbye and tending to each other as they remember the loved one they will always miss.

Above article provided by: 

Author- Lucille Rosetti │The Bereaved