What Are The Financial Benefits of Getting A Funeral Plan?

By: Melissa Descant
Friday, August 16, 2019

Funeral homes and their directors tend to be an afterthought to the general public. Many people do not think about the services provided by them until they need them. Unfortunately, that means they do not realize how overwhelming and tedious planning a funeral can be until they are in the middle of it all. The process can be made even more stressful in a time of grieving. The funeral director’s job is to alleviate this stress and aid in managing the process for a client so they can focus on what is really important at that moment; remembering their loved one. But what most people do not know about their local funeral home is that they offer so much more than burial and cremation services. They actually offer a way to simplify the entire process before you are right in the middle of it all.

Preplanning services are exactly what they sound like. They allow for a person to plan out their own funeral arrangements prior to their death and they are offered by most funeral homes. You can find a location that offers this type of service by searching for a “funeral home near me” online and exploring the different options each one has available. It may seem morbid to the general public to think so deeply about your own death before it even happens, but the truth is that it is a very selfless way to ensure everything is taken care of after you are gone. This benefits not only you, by giving you a say in the way you care for post-mortem, but also your family, allowing them to focus on grieving while confidently knowing all of your wishes are being met just how you would want them to be.

Choosing the funeral home that you feel best meets your needs is a great start to preplanning your funeral arrangements. While you can plan things on your own, seeking the assistance of a licensed funeral director creates reassurance that things are being handled legally and thoroughly. A funeral home working with you in the pre-planning process will provide you with a binding contract that will ensure the services you have chosen for yourself will be upheld when you are gone. This contract will clarify your rights and obligations and will also explain what your wishes are to your loved ones, whether you choose cremation or burial.

Funeral pre planning services offer excellent financial benefits to you and your family. Often times an unexpected burden to families, the cost of planning and arranging a funeral can be heavy to handle all at once. An available, but not obligatory, part of preplanning is pre-funding. Prefunding allows for a family or individual to pay for a service in advance, alleviating the sum of final funeral expenses. Typically, pre-funding has several options associated with it. You may be able to make payments at your own discretion, accumulating into a down payment on your funeral services. Additionally, you can lock your payments into a recurring plan with the intent to pay the full balance prior to the funeral service. Many funeral homes who offer pre-funding options will include a clause in their contracts that promises the prices you have been given and have paid for at the time of preplanning will remain the same regardless of general fluctuation of prices. This ensures no additional fees will have to be paid after the service and guarantees your wants and needs will be enacted without worry. Whether you fund a down payment or pay off the services in full, preplanning your funeral will give your family an idea of what the cost of your funeral will be in advance, providing peace of mind to everyone. For additional information on prepaying for your funeral visit the Federal Trade Commission's consumer page on the topic.

Preplanning is an invaluable tool to those who are wanting to make an extremely difficult time a little easier for their loved ones while taking their funeral arrangements into their own hands. It provides you the opportunity to clearly consider all of your options and simplify the situation for your survivors. The resources are available to anyone and most funeral homes are happy to discuss the process with anyone who is interested. Make the last thing you do a selfless act for your family and consider preplanning your funeral.

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