The idea of planning your own funeral can leave most people feeling uneasy. However, an increasing number of individuals are planning their own funerals, designating funeral preferences and arrangements, as well as even paying in advance. Pre-planning your service can provide peace-of-mind to both you and your family, knowing all your affairs are in order.
At Grieco Family Funeral Homes, our pre-planning professionals are available to discuss your options and funeral preferences. While it may feel uncomfortable at first, there are many advantages to preplanning your funeral:
- Financial. You're able to lock in today's prices on different products and services that will likely be more expensive in the future. Additionally, you can curb any emotional overspending loved ones may do in your honor by making arrangements ahead of time.
- Make informed choices. Pre-planning your funeral or cremation service allows you to take a step back and evaluate which choices are the most practical for you and your loved ones. Important decisions are better made when they are not influenced by extreme emotion. Download our Family Discussion Outline to help decide what a meaningful funeral or ceremony looks like to each family member.
- Eliminate guesswork. Planning funeral or cremation services after the passing of a loved one is difficult enough without the added burden of having to make difficult decisions in their name. With your preferences already selected, you'll help alleviate any uncertainty about your wishes.
- Personalize your service. Celebrate your life your way with personal touches that are important to you, including songs, readings, and any other details you may wish to specify.
Frequently Asked Questions
What is the difference between pre-paying and pre-planning?
When you preplan, you do not need to pay for everything in advance—your estate can pay for the services at the rates being charged when your funeral is held. When your plan is complete, the funeral director will keep it on file until it is needed. However, if you prepay at the time you make your pre-arrangements, you can lock in today’s prices in certain situations for funeral-related products and services. We offer several affordable payment and investment options which we will be happy to discuss with you to help you make a decision that best suits your needs.
Where does the money go that I pre-pay into a plan?
Typically, 100% of the money you pre-pay will be used for your interment/inurnment. Once we receive preplan money from you, we deposit all of it into a type of policy where it cannot be released to us until after the funeral you have chosen has been provided for you.
Type of Insurance:
A Permanent and Irrevocable Insurance policy is most commonly purchased by someone who eventually might need care in excess of his or her assets. Once purchased, it can be used for burial purposes only. This policy can be started for $500.00 and may be added to at any time. There is interest on this policy but a 1099 will not be received at the end of the year as this account is not taxable.
What if the cost of the services/products I pre-pay is greatly increased at the time of my death?
Once you pre-pay for a site on our property, the terms both parties agree to are permanently in effect. For other types of services, the cemetery cannot guarantee that the fund of money established by the purchaser will be sufficient to purchase those services. However, the interest earned by a fully funded account should offset any reasonable price increase.
What if your funeral home is no longer in business at the time of my death?
Because your money is held in a certified trust governed by state law it will always be there for you, even if our business were to be purchased or go out of business.
What information will I need to provide on the online pre-planning/pre-arrangement form?
This easy-to-use form should take only a minute to complete and requires only name and contact information to get started. You also have the option to select services as well as your site/property and memorialization preferences if you choose to on this form but it is not required.