Funeral Preplanning
Preplanning your funeral can provide you and your family with peace of mind. It lessens the burden on loved ones by having a plan in place, while also allowing you to write down your preferences. It also allows you to consider how you want others to remember you. For more information, look into the cremation service in Ballwin, MO.
What Are the Advantages of Planning Ahead of Time
Funeral planning is one of the most stressful experiences that families face. It’s also one of the most expensive purchases you’ll ever make. Preplanning relieves your family of the burden of making arrangements on their own. This alleviates the financial and emotional burden that your family must bear when planning a funeral.
Preplanning entails working with an advisor to document your final wishes. Together, you create a personalized tribute that reflects your preferred final arrangements, such as cremation or burial, service options such as gathering, visitation, funeral, or memorial services, and what items you’d like such as a casket, headstone, or cremation urn, and personal touches such as music at a funeral or displaying your favorite photos. This ensures that your final wishes are documented and carried out by your family.
Can I Pay in Advance
While it is not required, the majority of people who pre-plan their funeral also pre-fund it. When you prepay, make sure you have a clear understanding of what is guaranteed and what is not guaranteed, and this will increase in cost. Depending on the funeral home, you can pre-pay for your funeral in full or on a flexible payment plan. The funds are then transferred to a bank or insurance company within 30 days. The funds are held and unavailable to your chosen funeral home until you pass away and the services are rendered. Some policies will cover the remainder if you choose a payment plan.
If you pre-fund, the funeral home will honor the policy’s pricing, and your family may never see a billing balance if you die before covering the entire cost.
Can I Change or Cancel My Preplanning Arrangements
You have 30 days after signing the contract to cancel your preplanning arrangement and receive a full refund. You can also change or cancel your preplanned funeral arrangements at any time. Simply contact your preplanning advisor and schedule a meeting to discuss the changes.
Do I Need to Plan Ahead of Time if I Already Have Life Insurance
The goal of life insurance is to help your surviving loved ones avoid financial hardship in the event of your death. For example, life insurance may help pay off debts or taxes after your death. Some families believe that life insurance will cover all funeral costs, but this is not always the case. Depending on your life insurance policy, your family may be required to pay for the funeral in full and at current rates. It could take weeks or even months for your family to receive the insurance company’s reimbursement.
The cremation service in Ballwin, MO takes personal pride in providing the highest quality of service to the families we serve. We invite you to schedule a preplanning consultation with our team to give you and your loved ones the peace of mind that you all deserve. At any time, our preplanning advisors can explain your options, answer your questions, and walk you through the process. Come see us or call us right away.