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On-Line Pre-Planning

Consumer's Guide to Funerals

Is the funeral home that you pre-arranged with not what it used to be?
Has it been sold to an out-of-state conglomerate?

We honor pre-arrangements
that have been made at any other funeral home.

With a consultation, we can explain what the
financial benefits may be for you and your family.

Thinking about one's funeral leaves most people feeling a little uneasy, but more adults are finding that preparing for the inevitable is a wise decision. Those preplanning their own funerals say it offers great emotional and even financial security.  Preplanning does not have to mean Pre-Paying.

Among the biggest reasons families prearrange is the peace of mind that comes with knowing a spouse or child will not be left with making important decisions at a stressful time.

Preplanning ensures the family that their loved one's final wishes will be met. Many families are comforted knowing the funeral reflects what their loved one wanted. Again, preplanning may or may not involve prepaying. NFDA recommends prearranging for everyone and suggests discussing the benefits prepayment can offer.

There are generally three basic ways to prepay a funeral:

1.A regulated trust can be established by a licensed funeral director.
2.A life-insurance policy can be purchased, equal to the value of the funeral.
3.Individuals can establish a savings or certificate of deposit account earmarked for    
          funeral expenses. The account can be designated as "payable on death" (POD) to
          the funeral home.

As with any contract, it's wise to read the prepayment agreement carefully to be sure you understand all the provisions. You may want to ask:

·Who will receive the excess funds if the interest income generated from the invested
        funds exceed future price increases?
·Is the prepayment ever refundable - in part or in full?

Once you've made your prearrangements, keep a copy of your plan and any pertinent paperwork in a safe place and inform a close friend or relative what arrangements you’ve made and where the information may be found.

One of our staff members can walk you through the preplanning process. NFDA recommends preplanning for everyone.

Please call or stop by our office to receive our complimentary publications:

Emergency Record Guide
A place to record virtually all of the vital personal and financial data that will one day be needed
National Funeral Directors Association's Planning A Meaningful Funeral Service
National Funeral Directors Association's Planning Your Funeral In Advance
Healing Help's Pre-Planning Your Funeral
Wilbert's Facts Every Family Should Know About Funerals
Pekin Insurance's Family Record Guide
Pekin Insurance's Pathway To Peace Of Mind: A Guide To Funeral Planning

Copyright © 2005 - 2011 Clary Funeral Consultants, Inc.
3004 West Lake Avenue
Peoria, Illinois 61615