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What To Expect When Considering Pre-Paid 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.

A family plot in a cemetery may not be large enough for all the family members. Families need to be part of an informed discussion as to who will be buried in the family plot. If a burial plot or a vault is required the funeral director can be instructed to make the arrangements.

Pre-paid plans are available, or the alternative is to put money into a savings account or insurance policy until it is required. There is the possibility that prices will increase rather than come down before the account has to be paid in full. It is advisable to reassess your costs and arrangements every couple of years.

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.

Each state is responsible for setting the regulations on funeral packages and pre-payments. Anyone intending to pay into a pre-payment plan should research the regulations set by their state authorities.