pre-planning

PEACE OF MIND: leaving written instructions and setting aside adequate funds irrevocably relieves you of the worry that your spouse or children will be burdened with making difficult decisions at the time of need. in many ways, it's a final gift of love from you to your family.
DIGNITY AND CONTROL: You help insure that your wishes are carried out with dignity and respect. Before your death, you retain the right to change funeral homes or funeral services. These rights pass to your family after death occurs.
Portability: you can transfer your irrevocable trust anywhere -anytime- prior to the funeral home delivering goods and services. Although the funeral home, financial institution, and/or insurance company are obligated to honor their promises, you can change your mind as your needs change.
FREE, NO-OBLIGATION CONSULTATION: We work with qualified Pre-need Specialist whose sole task is to guide you through the pre-planning process. By planning ahead, you have time to make more thoughtful decisions.
SAFETY: Once your funds are secured in an irrevocable, agreement, no one can make any withdrawls. When your policy is established, the ONLY way that the funds will be released is with a signed copy of the funeral bill and a certified death certificate. Your funds are backed by either the sate's Life and Health Guarantee Association or the Federal Government. When funds are held in an irrevocable insurance trust, all growth on your funeral plan is tax free. You will not receive a Federal 1099 form.
PROTECTION FROM THE NURSING HOME: Unlike other investments (including cash value of life traditional life insurance)that you own, the dollars that you place into a correctly structured final expense plan will not count as assets if yu enter a nursing home. The full cost of your funeral can be protected using an irrevocable insurance trust.
NO PROBATE OR DELAY: When you use an irrevocably assigned insurance trust to hold your dollars, the funds are immediately; available to pay costs. With your permission, the funds can even be paid directly to the funeral home that provides the funeral goods and services. There is NO probate or delay.