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Details You Should Learn 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.
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.
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.
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.
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.
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