Thursday, April 30, 2015

Why you should Pre-plan for Burial Arrangements

Thinking about your own funeral leaves most people feeling a little uneasy, but more adults are finding that preplanning a funeral offers great emotional and even financial security for them and their families.

When preplanning, families find comfort in knowing that the funeral reflects what their loved one wanted. It also gives them peace of mind to not have to make important decisions at a stressful time.

We often hear the phrase “I wish I knew what Mom would have wanted.”... Leaving your burial arrangements to others at the time of death is a recipe for needless stress and strain.

Pre-planning lifts a tremendous emotional burden from surviving loved ones, creating an environment in which to better support each other and celebrate the life of the departed. After you've made those pre-arrangements, you should keep the plan and any pertinent paperwork in a safe place.

Also, inform a close friend or relative what arrangements have been made and where the information may be found (We provide that service for free when you acquire a Lincoln Heritage Funeral Advantage Program).

You and your family members will have peace of mind knowing that your burial wishes are met, while also ensuring that surviving loved ones will be spared making last minute decisions under pressure, allowing them to grieve appropriately and eliminating any disagreements during an emotionally charged time.

Pre-planning your funeral can be very informal, and as simple as following our pre-planning checklist and sharing your wishes with a family member through the FCGS free membership when you join Lincoln Heritage Funeral Advantage.

Like it or not, death will visit even those who don't want to be there when it happens. And like it or not, death is  a costly affair. To beat the high cost of dying, more people are starting to consider preplanning and prepaying.

When you pre-arrange, you have control of the decisions relating to your death (the disposition of your body), the funeral or memorial services, what you want your obituary to say about your life, and a reasonable budget which will ease the financial burden for your surviving members.

"If you wait the last minute, it's too stressful" ... "You're at the worst day of your life to make decisions"... But pre-planning is simply making arrangements ahead of time. Preneed means prepaying, and preneed programs are actively sold by mail, by telephone and in homes (the way we do it).

For many, life insurance is a great death-benefit protection for families. When the breadwinner dies, the survivors get the money to help provide for the family. But life insurance can be used for other purposes, including paying for funeral expenses. Most people purchase a life insurance with a small face value specifically to cover funeral costs. Yearly premiums are easier to handle, often in monthly installments with carrying charges built into the cost.

Good, affordable for those with limited means. It also grows at the same rate and there's no need to report it on a 1099 since it's not considered taxable income. If you're confused with all the choices, get help from a good insurance underwriter (like myself) to evaluate your insurance needs.

There are a number of options for financing funerals, and when you pre-plan your funeral, you can take advantage of the best program available for you. Options include pre-need insurance policies, bank or funeral trusts, life insurance, and annuities... But which one's right for you?

Lincoln Heritage and the Funeral Consumer Guardian Society (FCGS) have partnered creating Lincoln Heritage Funeral AdvantageTM to serve the Senior Market at
No extra cost to your policyholders. Funeral Advantage offers the senior consumer:

  • Funeral Planning assistance — provided by FCGS (They can help answer questions about funeral planning)
  • Funeral Funding — provided by Lincoln Heritage (Upon passing, a benefit check can be in the hands of the beneficiary within 24 hours of claim approval, possibly sooner)
  • Consumer Protection — provided by FCGS (Consumer Protection guards loved ones responsible for making funeral purchases)

FCGS helps REAL PEOPLE everyday, and YOU give us the ability to help you as well!... Saving clients over $12 Million during 2013!

FCGS Video

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