Soon after I began my career in funeral service I decided to talk to my parents about their funeral arrangements. It was at that moment I realized, this is not an easy thing to do. They were both reluctant to talk about death at all. Finally, I got enough out of them that I knew what I would do when either one of them passed away. While pre-planning may seem difficult at the time, knowing ahead what you will do when your loved one dies will take an immense burden off the family at the time of death.
What is pre-planning? Also known as preneed, it is simply planning for one's final arrangements prior to death. Pre-planning is one of the best gifts that can be given to a family. When a death occurs going to the funeral home to make funeral arrangements and select a casket or urn is one of the hardest thing to do. To do this in advance is a tremendous benefit to the entire family. At the time of death a family (no matter how prepared or unprepared) goes into a state of shock. Instantly their minds become separated from normal life. For the next several day decisions will be made that are irreversible. This process can be made easier by planning ahead, and it takes the burden off of the survivors. Never once has a family said, “I wish our loved one would have never pre-planned their funeral arrangements.” In fact, families are often relieved when they realize they don’t have to come to the funeral home because mom or dad took care of everything years ago.
We encourage everyone, regardless of age or health, to pre-plan his or her final arrangements. Pre-arranging is very relaxed and can be done either at the funeral home, in the comfort of ones home, or even online. Pre-arranging is also personalized to meet the needs of everyone. There are several types of pre-arranging:
To pre-arrange a funeral one would discuss with the funeral director his or her wishes regarding their final arrangements. This could and should include discussing type and location of service, pre-selection of the casket,vault or urn, and any other special requests there might be. Remember, in pre-arranging, you can do as much or as little as you want. In pre-arranging, it is not necessary to pre-pay at all. Most people who pre-arrange have the means to pay for their service at the time of death.
Pre-arrange and Pre-fund
This is the same as pre-arranging except the person makes financial arrangements as well. To pre-arrange the financial end of a pre-arrangement it is possible to lock in todays funeral prices for the future. This is usually done with insurance funded policies that are set up at the time of the pre-arrangement. A single pay policy would mean that the total funeral is selected and paid in one payment. The monies are put into a single premium insurance policy and the policy grows each year to keep up with our price increases and is guaranteed to pay for the funeral at the time of death. Another option is a monthly pay policy where the total funeral cost is set up on a monthly payment that is affordable to the one arranging, and is generally paid over a number of years. This type of service is also designed to pay for the total funeral at the time of death.
This is for the person who wants to leave the final arrangements to their survivors, but provides the financial means to pay for the services selected. Simply put, one can write a check for a certain amount to pay or to be applied to their funeral at the time of their death. This can also be set up on a monthly pay payment plan.
All of our pre-need monies are held by Investors Heritage Life Insurance Company and each account is guaranteed regardless of what may happen to the company or the funeral home. Each account is also registered through the North Carolina Board of Funeral Service and is audited annually.
For other questions or comments feel free to contact us.