About Funeral Pre-Planning
Death is one of the few things in life that is unavoidable. Although it might be uncomfortable to acknowledge, eventually the time will come for everyone to take one final breath. That’s why it’s important to start thinking about funeral pre-planning now. If not for your own peace-of-mind, then to ease the pain for the ones you leave behind.
As funeral directors, we often get asked when the best time to plan a funeral is? Truthfully, the answer is any time before you have to plan a funeral. You wouldn’t wait to plan a wedding or a baby shower until a few days before, so why wait to plan a funeral? Preplanning a funeral not only allows you to record your wishes, it gives you and your family the peace of mind to know that everything is taken care of.
There are two types of funeral plans, preneed and at-need (sometimes referred to as immediate need). At-need funeral plans are made by the surviving family members after a death has occurred. It can be a difficult experience for the survivors because emotions are high, time is short, and their grief needs to be managed. Not only that, but the imminent financial concerns can add to the stress of everything.
Preneed funeral plans are much less stressful and more advantageous. Rather than rushing to complete arrangements, you can think about what you want your service to include and talk about the options with your family. Making funeral arrangements in advance also offers several benefits which we’ve outlined below.
When you come to our firm to pre-plan a funeral, we want to make sure to plan a personalized and memorable service. That all starts with learning about you and your story. From there, we’ll help plan a service that allows friends and family to celebrate a life well lived. Don’t think of funeral pre-planning as just selecting a type of service. At our firm, we want to get to know you so that we can arrange a service that honors and celebrates you.
Varcoe-Thomas Funeral Home offers many choices for planning and guaranteeing pre-arrangements with the addition of funeral insurance. A funeral insurance policy offers many advantages for Medicaid Spend Down and making the policy irrevocable for Medicaid eligibility.
It also allows families to pay for a funeral over time. Based upon age and health a person may pay for a funeral over 3, 4, 7 or 10 years with a tax free advantage and high rate of interest to guarantee the pre-arrangement. This way the funeral recipient is not liable to pay taxes on interest earned like a burial trust account at a bank or trust account through a funeral provider.
Families do not need to worry if a person has insurability based upon age or health. A family only funds the amount of the funeral and/or cash advancements. A funeral annuity may be used for anyone over 90 years old. The companies are reputable and some have been in business for almost 100 years. This protects a family since a funeral home cannot legally keep pre-arranged monies in a business account. The policies are also transferrable to another firm if someone moves out of state to live with a family member.
Jason Oszczakiewicz has the ability to assist families with a funeral insurance policy or annuity because he is a Licensed Insurance Producer in the states of Pennsylvania and New Jersey.
The Importance of Pre-Planning a Funeral
When you sit down with a funeral director to pre-plan a funeral, the process is about so much more than simply recording some of your final wishes. When you take the time to pre-plan a funeral, you are making the conscious choice to make sure that your family knows how you want to be honored and cared for. More importantly though, funeral pre-planning relieves your family from the emotional and financial stresses of arranging an immediate need funeral service. Many have said that when a loved one pre-plans their funeral, it’s almost like a final gesture they can offer their family.
Still not sure if you should pre-plan? Consider the following reasons:
Make your final wishes known
Relieve your loved ones of added stress
Avoid inflation and protect the cost of the service
Protect your family from the financial responsibility
Benefits of Funeral Pre-Planning
As we’ve stated, when you make the effort to a pre-plan a funeral service, both you and your family stand to benefit. Learn more about pre-planning benefits here
Decide How You Will Be Remembered
When you pre-plan a funeral, you get to decide how you want to be remembered. From selecting the type of service to choosing how to care for your remains, funeral pre-planning allows you to make the choice you want. Whether it’s paying tribute to military service with a veterans funeral or planning a personalized service that celebrates your hobby, funeral pre-planning put you in control.
Make Things Easier for Your Family
Think of pre-planning a funeral as one final gift you can leave behind for your family. Rather than rushing to make arrangements, your family can instead spend time comforting one another and preparing themselves for the service. Having to make funeral arrangements while trying to grieve can just create added stress for your loved ones. Pre-planning your funeral relieves them of this.
Save on Rising Costs
Inflation impacts everything and funeral services are not exempt. When you pre-plan your funeral, you have the option to pay ahead. By doing so, you can avoid inflation or rising costs. Instead you lock the price in at its current rate. To learn more about the different prepayment options available to you, contact us to speak with a member of our staff.
Avoid Unnecessary Arguments
When you leave it up to your surviving family members to plan a service, there’s an opportunity for disputes to arrive. Every funeral director has witnessed the debate among family members trying to decide “what mom would’ve wanted”. By pre-planning your funeral, your family will know exactly how to honor you.
Funeral Pre-Payment Options
By pre-paying for a funeral, both you and your family stand to benefit. When you pre-plan a funeral, you have several different payment options to choose from. From single payment plans to automatic monthly bank withdrawals, our staff would be happy to tailor plan to meet you budget.
If you would like to schedule an appointment, we would be happy to discuss prepayment options with you in greater detail. Your funeral director will gladly outline the different options available to you and help create a plan that works with your monthly budget.
We’re Here to Help – Are You Ready to Meet with Us?
If you are interested in learning more about funeral pre-planning or would like to begin making arrangements, please contact us
for more information. Our caring and knowledgeable staff would be pleased to meet with you and help plan a service that is dignified and respectful. For many years, we have been proud to be the funeral home in Doylestown that families turn to for funeral pre-planning services.
Any one of those reasons is good, but when you take them all together, it’s easy to see why pre-planning your funeral is one of the smartest things you can do. If you agree, give us a call to set an appointment with one of our certified pre-planning advisors, or get started right now, with PreArrangement Online. Don’t worry. It’s safe, secure, and completely private.
Learn more about Organ & Tissue Donation and check our Pre-Planning Checklist.