What do you want when the time comes?
Celebration of Life
Traditional Funeral and Calling Hours
Traditional Funeral and Calling Hours
Becoming very popular, a Celebration of Life can be held wherever you like. A Celebration of Life is more casual and upbeat with social interactions between family and friends. This can happen in addition to or in lieu of traditional services.
Traditional Funeral and Calling Hours
Traditional Funeral and Calling Hours
Traditional Funeral and Calling Hours
Many families choose a traditional funeral with calling hours because it provides time for friends and loved ones to gather, share condolences, and honor the life of the deceased. Calling hours offer support and closure, allow for meaningful rituals or religious customs, and preserve family traditions.
Simple Cremation
Traditional Funeral and Calling Hours
Simple Cremation
A simple cremation with no funeral services is often chosen for its affordability, ease, and simplicity. Families may prefer to avoid the expense and formality of a traditional service, honoring their loved one privately or in a way that feels more personal.
Will the Money be there when it is needed?
I Have Life Insurance
Life insurance is for the living. Life insurance provides funds to beneficiaries, but it doesn’t pay the funeral home directly. Since funeral costs are usually due immediately and insurance claims can take weeks to process, families may face a hardship.
I Have an Annuity With a Death Benefit
An annuity death benefit usually isn’t a good option for funeral costs because, like life insurance, the money goes to the beneficiary—not directly to the funeral home—and often takes time to process.
I have a CD at the bank
A bank CD isn’t very useful for paying funeral expenses because the money is usually locked until maturity, and accessing it early can mean delays, penalties, and taxes. Even if the funds are available, they don’t transfer quickly enough to cover the immediate costs of a funeral and Probate might cause additional delays.
My Children Will Pay For It!
Your children are not saving for or planning to pay for your funeral! Don't add additional stress at what will be a difficult and emotional time. Don't make them put $8-10K on their credit card!
A Funeral Trust is the best option!
What is a Funeral Trust?
Simply, a Whole Life Policy assigned to an existing trust.
The Funeral Trust is a guaranteed issue product and can be written up to the age of 99. The simple, one-page application requires no underwriting, and premium amounts range from $1,000 – $17,500 with single, 1 yr, 3yr or 5yr payment options.
What does it do for me?
- You get the Peace of Mind knowing this is taken care of!
- You set a budget and make sure your wishes are known, without having to go to a funeral home!
- You will spare your loved ones some of the financial and emotional burdens that exist during such a difficult time.
- Policy benefits are paid directly to the funeral home or cemetery. Usually in 48 hours!
- The Policy is portable to any funeral home in all 50 states.
- No attorney fees; the funeral trust is already established.
- Guaranteed Issue.
I might have to qualify for Medicaid
If you prepay your funeral expenses in accordance with Medicaid rules, it is a lawful way to reduce your assets, a key part of making you eligible for Medicaid assistance. One way to create an exempt asset is to purchase a life insurance policy specifically for your final expenses and then irrevocably assign it to an Irrevocable Funeral Trust.
About Pre-Plan Now
Meet Doug
I've been a financial planner, insurance agent, and insurance wholesaler for 25 years and was Securities registered for 15.
I'm passionate about the funeral trust strategy because I believe Every Family needs to have their affairs in order. Too often I've seen the heartache and pain that not planning for this causes. It is my mission as a planner and insurance professional to make sure families have this in place, before it's too late.
I completed my first Ironman 70.3 triathlon when I turned 50. I coached youth sports for 18 years. I roast my own coffee, bake sourdough bread, and grow ultra-hot peppers. I really enjoy fly fishing. I love my grandkids and cherish the time I spend with them. I live in Howland, OH with my wife and am proud of the two fine men we raised.
Contact Us
Don't Delay...Pre-Pay!
Let me help you take care of this important matter, today!
Pre-Plan Now
330-856-9950 Doug@Pre-PlanNow.com Licensed in OH, PA, WV
