OBITUARIESGRIEF ASSISTANCEPLAN AHEADCONTACT USHOMEBirths, weddings, graduations, anniversaries and retirement command our best planning effort to ensure success. However, we may neglect planning for the most significant life event of all, a funeral. We would never dream of waiting until two days before a wedding to begin our plans. Why do we wait to plan a funeral? The consequences can be devastating to those we leave behind.Planning for a funeral deserves the same advance planning attention we give to other equally important occasions.Advance Planning means your family and friends will not have the burden of making difficult decisions for you when you die. They may find themselves emotional, distressed or financially unable to deal with the situation.Your funeral planning professional can provide you with valuable information so that you can make choices that are right for you. Some of the decisions to be made include selecting a casket, vault or urn and what type of remembrance service you would like. Because it is your plan, your family will know they are honoring you and your wishes.Funeral costs continue to rise, making it difficult to plan financially for the future. Using today's dollars, advance planning with a guaranteed funeral plan provides a solution to this dilemma. Those who fund a pre-arrangement now can tell their families that the choices made today will be honored in the future, and they will not be required to pay for funeral price increases. This is not only a kind and considerate act to perform for one's family and friends but makes good sense as well.Pre-arranged funeral plans can be irrevocably assigned to pay only for funeral expenses. Should there ever be a need to apply for Medicaid, the funds in the funeral plan will be exempt in most cases and not considered part of your available assets. Contact your funeral planning professional for more information."Don't worry, Mom. We'll take care of everything."Your children have the best intentions and believe they can provide for your future needs. Because we don't know what our personal circumstances will be when a loved one dies, planning ahead prevents this potential burden. Your children may have difficult financial or personal circumstances that could prevent them from fulfilling the very sincere promise "to take care of everything."Advance Planning is a way to lock in today's prices.In these challenging economic times, most of us are concerned about our resources providing the maximum return. We take precautions against unexpected events so we can successfully recover if faced with a major disaster. We insure our homes and cars to prevent loss from fire, damage or theft and to replace or repair valuable assets. For this security, we are willing to pay premiums knowing that we may never have a corresponding loss. In fact, only a minority of the insured population ever files a claim on homes, cars or other insured assets. On the other hand, advance planning and funding of funeral expenses makes sense because you are able to lock in today's prices."My funeral is a matter of personal choice."Making choices based upon personal preferences is important to many people. Creating a pre-arranged funeral plan provides us with just that opportunity. Planning your own funeral ensures that your wishes will be known to your loved ones, providing them with a valuable guide to follow."What would Dad have wanted?"When a death comes unexpectedly, too many times the deceased has never communicated to a spouse or loved one his or her personal wishes regarding final arrangements. When this occurs, the spouse or loved one is under extreme pressure to make quick decisions, usually with the need to satisfy the unknown question: "What would they have wanted us to do?" Maybe you have been in this situation before. This can be very difficult, especially knowing such communication could have taken place prior to death.If loved ones disagreeWhen death occurs with no advance planning, it may be unclear which family member or friends should be responsible for making your final arrangements. Often, several family members or friends take charge without knowing your wishes. This committee of decision makers, all with different points of view, may argue, disagree or sometimes even refuse to interact. Advance planning your funeral eliminates the potential problems created when families can't agree.Payment Plan OptionsA pre-arranged funeral plan can be paid for in various ways. Payment options include a single payment or extending payments over a period of three, five, or ten years. Depending on the answer to two basic health questions, your funeral may be immediately covered, regardless of age.A kind, considerate gesture"Who cares what happens, I'll be gone," does not sound like a dignified legacy for a life well lived. When we remove the emotional and financial burdens of our funeral arrangements from those left behind, we perform a kind, considerate and caring act. Life can be challenging enough without the obligation to plan the funeral for a loved one.Advanced Planning is priceless.It doesn't matter how much we may be worth, how much life insurance we have, how many dollars are in a savings account or how many investments we may hold when it is time to make funeral arrangements. Our assets, no matter how great, can never remove the tremendous emotional burden from our loved ones.WHO WE AREREMEMBER THEIRSTORYOUR LOCATIONSUNIQUELY FRENCHVETERANS