Ertel Funeral Home

Planning Ahead Q&A

What is Pre-planning, or Pre-arrangement?

When you plan in advance, you are making choices now based on your wishes as to how your final arrangements will be carried out. Thus, you can reduce family concerns at the time of your death.

What do I need to do to pre-plan?

At your convenience, you can meet with a member of our staff to discuss your options and your preferences. When you make arrangements in advance, you’ll want to consider your site of choice, the committal service, and the type of permanent memorial. By making some or all of these decisions now, you give your family peace of mind, and also benefit financially.

What are the advantages of advanced planning?

There are many advantages when you take care of your final arrangements in advance. The most obvious benefit is financial, but there are a number of emotional benefits, too. When you make arrangements in advance you have a better opportunity to make informed choices. You may also take advantage of affordable payment plans. We can provide additional professional advice on pre-planning and prepaying.

What is the difference between pre-paying and pre-planning?

When you pre-plan, you do not need to pay for everything in advance—your estate can pay for the services at the rates being charged when your funeral is held. When your plan is complete, the funeral director will keep it on file until it is needed. We offer several affordable payment and investment options. We’ll be happy to discuss these options with you and help you make a decision that best suits your needs.

Where does the money go that I pre-pay into a plan?

Typically, 100% of the money you pre-pay will be used for your interment/inurnment. Once we receive pre-plan money from you, we will deposit all of it into a final expense plan where it cannot be released to us until after the funeral you have chosen has been provided for you.

  • Types of Final Expense Plan:
  • A Revocable Final Expense Plan is a final expense plan that any amount of money may be deposited into. At anytime, you may ask for this money and the interest it has made. At the end of the year you will receive a 1099 statement on which you must pay taxes on the interest as it is considered income.
  • An Irrevocable Final Expense Plan is most commonly purchased by someone who eventually might need care in excess of his or her assets. Once purchased, it can be used for burial purposes only. This final expense plan can be started for any amount. It may be added to at any time. You will receive a 1099 at the end of the year showing total interest earned.

What if your funeral home is no longer in business at the time of my death?

Because your money is held in a certified final expense plan governed by state law, it will always be there for you, even if our business were to be purchased or go out of business.

 

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"Thank you so much for your caring for our mother during our time of sorrow. Your staff was very helpful, kind and considerate. We appreciate all the "extras" you provide."

~ Claudean J.