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•  Funeral Services & Tips

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•  Funeral Homes Tips

Basic Details You Should Know When Picking Funeral Packages

It will be an emotional and distressing time when someone close to you dies. Even if you have been in a similar situation before, it does not make it easier to deal with emotionally. That is one of the main reasons why many people choose their own funeral packages, because they want to allow their family to time to grieve without the stress of making all the arrangements.

Pre-planning allows you to state what you want to happen in the event of your death. You can plan the type of service, the flowers, the music and whether you wish a burial or a cremation. It makes it easier on the family left behind and eliminates the potential for conflict as your wishes are recorded and will be used to dictate what is to happen.

If there is a family plot available, you can specify that you want to be buried in that grave. However, you should discuss and agree with family members that you have their approval to do so. Alternatively, you can instruct the funeral director to purchase a plot on your behalf.

Payment can be made in advance or deferred until after death. Prices fluctuate over time, usually up rather than down which can affect costs. A sensible approach is to check on costs and plans every two or three years to ensure there are no major changes.

The contract on a pre-payment plan should spell out the terms and conditions and details of the services agreed. Purchasers can pick and choose the services they are paying for in advance. It is important that the contract also sets out how your cash will be used and protected in the long term.

State regulations govern the sale of funeral packages and how the funds are invested and protected. Before signing up to a pre-payment plan individuals should be familiar with the rules that apply in their home state.