A Buyer Guide to Pre-Need Funeral Arrangements

Some people opt for a pre-arranged or pre-need funeral and make payments toward their purchases over time. It helps loved ones who are left behind to pay for the casket, funeral home and burial, especially if there isn't any life insurance available. Find a pre-need provider that will meet your spiritual, emotional, cultural and financial needs. Some people consider a pre-need arrangement as a final personal gift to their loved ones by taking the burden of financial obligation off their shoulders.    

FORETHOUGHT Pre-need Life Insurance  
 

Take some burden away from your loved ones by purchasing a funeral plan.


More than 5,000 funeral homes nationwide off this pre-need company . Ask your funeral home director if they offer ForeThought, or you can check it out online by using the funeral home finder on their site.   

Dignity Memorial  

 Funeral planning gives you confidence that you will be layed to rest where and how you want.


This company allows for a fully transferable service in case you move and it will be honored by any of the providers in their network. They also offer a one hundred percent service guarantee. They are affiliated with more than 1,600 licenced providers. In the case of cremation,

Dignity Memorial still offers friends and loved ones the opportunity to remember and celebrate the life of the person who has died.   

See Your Local Cemetery  

 Some local cemetries have pre-need arrangements.

Go to the cemetery of your choice to purchase, not only your burial plot but, in many cases, burial vault and caskets as well. Some cemeteries work with manufacturers by eliminating the funeral home and would be able to provide you with the best pricing avaliable.   

Local Funeral Home  

Visit your local funeral homes. Many provide a payment plan option. You may choose your casket, burial vault and burial site through them. Talk to them and see what they have to offer. Many family owed funeral homes have a community or personal relationship with the deceased family members and could provide a more comfortable atmosphere for those left behind.       

Planning Ahead With Funeral Insurance

Planning ahead with funeral insurance is one of the best things that you can do not only for yourself, but for your family as well. Funeral plans and costs have gotten very expensive, and you could be leaving a very large financial burden behind for your family if you don’t have any type of funeral plan cover. There are many different policy options that you can get, and they are all going to be determined on how much cover you want, and how old you are when you get the policy. The first place that you are going to want to shop is with a company that you already have an insurance plan through.

There are so many different expenses that are included in a funeral, death, and all of the other things that come along as well. The hospital expenses can be outrageous, there are services that have to be preformed to prep the body for burial or cremation, and there is the actual burial itself. Caskets are expensive, along with vaults and digging and plot fees. All of these things are going to add up very quickly, and if you don’t have any coverage your family is going to left to pay for everything, regardless to if they have the funds or not.

The carrier that provides your life insurance, homeowners insurance, auto insurance, or any other kind should also offer some sort of funeral coverage as well. If this is the case then they are going to be able to give a discount on the plan that you have already, and also your new funeral insurance plan. After they have given you a quote you are going to want to go around and get other quotes as well, so that you can be positive you are getting a great price. You also want to check with different funeral homes as well.

Today the costs of having a funeral is very high, and that is why you want to have some sort of funeral insurance to protect your family and to be prepared. If you are looking to get a good deal on this type of insurance make sure that you take the time to shop around, and that you are getting a great price. Don’t go without a funeral plan at risk leaving the people that you love with the heavy financial burden of your funeral expenses.

We’d like to thank Mr Mark Paton on this contribution to our web page.

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