Most of us prepare for what is possible, but seldom for the inevitable. Today, more and more people are arranging their funerals in advance of death. Pre-arranged and/or pre-funded funeral, cremation and cemetery arrangements considerably ease a family’s burden when death occurs. It can also play an integral part in financial planning.
There are many reasons to pre-arrange a funeral:
Pre-planning a funeral is an effective way to make sure that a family member’s wishes will be represented after they die. We will sit down with them (and family and friends, if desired) to discuss all of the options available and help them decide with what choices they feel most comfortable. Our pre-planning experts will meet with you at our funeral home, or at your own home if that’s more convenient.
Costs can be discussed, or the planning can simply be about what types of services the individual wants.
When pre-arranging a funeral, individuals consider many facets:
Once all of the pre-arrangements have been made, we’ll keep copies of all of the decisions on file at our Prattville, AL funeral home at no charge.
We offer inflation-proof and price-guaranteed pre-funded plans through Physicians Mutual. We also offer traditional payment programs.
Individuals and families can pre-arrange a funeral at no cost to them. The arrangements will be available once death has occurred. But many individuals wish to pre-fund their funeral now, so that the burden and responsibility of paying for the funeral does not fall to someone else.
For individuals who elect to pre-fund their funeral, they have different options from which to choose. They typically involve a cash purchase of an insurance policy or trust today, which will be cashed in at the time of death. The policy or trust is designed to increase in value over time to keep pace with any increases in funeral cost over that same period. Our inflation-proof and price-guaranteed pre-funded plans are offered through Physicians Mutual. Payment programs are also available.
One of the key advantages of pre-planning a funeral is that when you also pre-pay, you are guaranteed tomorrow’s products and services at today’s prices. While we can’t control external costs like flowers and newspaper notices, pre-planning with Davis Funeral Home assures that all of the primary funeral and burial costs will be covered. And that means your family members won’t feel the pressure of unexpected costs at an already very emotional time.
But this guarantee goes further. We arrange for the funds covering your funeral to be administered by Physicians Mutual Insurance Company, so even in the unlikely event that Davis Funeral Home closes, your pre-planned funeral is still paid for and will be carried out by another funeral home if you or a loved one chooses
Are you faced with a deadline to qualify your loved one for Medicaid? Davis Funeral Home has expertise in establishing irrevocable funeral accounts. Our preplanning specialists understand that time is of the essence with a Medicaid Spend Down. If you don’t have your application in on time, it could mean paying more health care bills than necessary.
The best way to establish an irrevocable funeral account is to call us at 334-450-5512 and set up an appointment with Latashia Jackson.
Things to think about with an irrevocable trust: If there is a life insurance policy for the applicant, please have the following information:
· Death Benefit
· Cash Value
Where time is so important to the Medicaid Application, you do not have to know what kind of funeral you want. The most important aspect of this type of pre-arrangement is ensuring that your loved one qualifies for Medicaid.
The trust can be funded and the specific details of the funeral can be planned from the big to the little details. We’ll be honored to walk you through this process.
Out of Area Protection Plan – $499 Whether you’re on a day trip or traveling the world, Out of Area Protection makes sure you’re never far from home and your loved ones are spared from unnecessary financial and emotional pain.
Peace of Mind While Away From Home It’s the last thing you would ever plan during a vacation, but the financial and logistical burden of dealing with a death away from home can be staggering.
Basic health insurance plans and even medicare do not offer coverage that addresses dying away from home. Returning a deceased individual home can cost between $2,500-$3,000 with international transports ranging from $5,000-$10,000. Obtaining domestic permits can be a challenging process that varies from state to state while international arrangements usually require coordination with the consulate office after deciphering local requirements.
Thankfully, there is a way to give yourself and your loved ones lasting peace of mind with Out of Area Protection. This covers both the expense and logistics of transporting your body if the unexpected were to occur while traveling 75 miles or more away from home.
Join our pre-planning directors for lunch in Prattville, and learn what pre-planning your funeral arrangements can mean to you and your family. This small group setting will be relaxed, casual and very informative.