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Details You Should Expect When Relating 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.

One of the main advantages is that you specify exactly what you would like. You plan the type of service you want down to the smallest details and perhaps more importantly, make your wishes known if you want to be buried, interred or cremated. Unless you have made your family fully aware of your wishes, it can and often does become an area of conflict.

It is not unusual to have a family plot or vault in a graveyard. As the plot or vault belongs to the family, it needs to be a joint decision as to who is entitled to use it. The funeral director can purchase a plot on behalf of the family as part of a plan.

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.

If you decide to pay in advance, read the contract carefully. Know exactly what you are paying for and how increased costs will impact on your arrangements. You also need to find out how your fund will be used or invested until the money is required.

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.