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•  Funeral Services & Tips

•  Mortuary List & Tips

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•  Obituary Glossary & Tips

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•  Urns Glossary & Tips

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•  Funeral Cost & Tips

•  Funeral Flowers & Tips

•  Funeral Homes Tips

What You Should Know About Funeral Packages

Being the individual with responsibility for making arrangements when a close family member dies can be stressful and emotional. It is a unique experience every time someone has to take on this responsibility. However, it can be much easier if the deceased has taken time to investigate funeral packages and set up their own plan.

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.

Your contract for a pre-payment plan should be read in detail. It should contain clauses setting out how any potential increases will affect your plan. The contract should also spell out how your cash will be invested and safeguarded until it is needed.

The legal requirements set out by the state for the selling funeral packages vary from one state to another. Prior to paying money into a fund it is advisable to check the rules applicable in the state you reside in.