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How to Plan Your Own Funeral

Planning your funeral can save your loved ones extra stress in a time of grief. But there are several things to consider: Do you want to be buried in a churchyard cemetery, entombed in a mausoleum or cremated for a ceremony at sea? Almost anything is possible with some forethought.

You can choose the funeral home long before you need it and even pay for all or part of the services in advance. If you choose this route, make sure the services are guaranteed at the contracted price. Some contracts call for additional “final expense funding.” This means that should prices rise, your loved ones will be left paying the difference. Also ask:

  • If you change your mind, can you get all or part of your money back?
  • Will your money earn interest? If so, how much? Who gets it?
  • What happens if the funeral home goes out of business?

Another option is to buy a life insurance policy that can be used for funeral expenses. Note this request in your will, along with any details for burial or services.

Whatever you choose to do, make copies of all documents, giving files to appropriate family members and the attorney who drew up your will. Think twice before placing these documents in your safe-deposit box as some families have discovered the documents after the funeral.

Would you like to learn more about various possibilities for funding final expenses? Send an email and explore options that offer protection and reassurance for your family.