Welcome to Culberson Funeral Home online.
The Benefits Of Planning Ahead
Most of us plan for the possible misfortunes of life, yet few of us prepare for the inevitable.
Many individuals and families
are making the decision to prearrange and pre-fund their
funerals before
the need arises.
The advantages of funeral planning make sense.
Planning Your Funeral:
Provides a peace of mind
Relieves your loved ones of unneccesary concern
Assures that your wishes are known
Eases the financial burden on your family
The Purpose Of A Funeral
A
funeral service fills several important needs in today's
society. First,
it provides for the respectful care of the deceased,
by providing a
special tribute to a unique life. Equally important
the funeral service
helps survivors face the reality of death -- the
first step in overcoming
grief. A funeral brings together relatives
and close friends who can lend
support and comfort when
needed most.
A
funeral also gives friends and relatives the opportunity
to express the
love and respect they feel for someone who was
very important to them.
Just seeing how much others cared can
be a tremendous hel
p to a family
adjusting to their loss.
Providing For The Funeral
Traditionally, there have been
three ways a family has provided
for a funeral.
1. Level Death Benefit Life Insurance
normally intended to cover ongoing living expenses for
the family.
usually requires waiting weeks or even months until
proceeds are
available.
with inflation, proceeds may erode over time
may involve disputes over contested claims.
2. Savings
often depleted by the costs of illnesses before death.
may be tied up in probate.
may not be really accessible at the time of death.
long-term savings may be reduced by taxes and early withdrawal penalties
3. Friends and Relatives
places unexpected burden on those you care about most.
may put survivors in an uncomfortable and embarrassing situation.
can cause friction between loved ones.
borrowed money must be repaid.
Funeral Planning At Work
A funeral plan
eliminates your concerns
by allowing you to plan and fund
your funeral
before the need arises.
You put your plans in writing, so
there will be no doubt about your
wishes. Family and friends will never
have to wonder if they have done the
right thing, if they might have
forgotten anything, or if what they selected is what you truly would have
wanted.
Choosing The Payment Method For You
There are a variety of ways
that you can pay for your funeral plan. You can pay all at
once, or you can pay over time!
It's All Taken Care Of
When death occurs, one call
to the funeral home is all that is needed to begin the funeral|
process. Your
funeral director will carry out all the arrangements per your wishes.
Monies
set aside for your funeral plan will be paid directly to your
funeral home.
Paying For Your Funeral In Advance
Funeral planning
is designed to protect you and your family from future price
increases.
Although the average funeral is priced lower today than many
people might assume, a funeral
will almost surely cost more in the future.
Therefore, if you are truly seeking peace of mind,
it is important that
the funding method you choose provides adequate growth to offset
future
price increases.
Areas of Special Concern
No matter what funeral plans
you make, it is important to keep good records and to be sure
that loved
ones know where records are kept.
Drawing Up A Will Is Important
Every adult should have a will,
regardless of age or financial situation. A will is a legal
document that
can prevent many serious problems for those you leave behind.
If you do not already have a
will you should have one drawn up as soon as possible. It is in
your own
and your family's best interests.
Keeping Accurate Records
For your family's sake, write
down everything you think the
executor of your estate will need to know to
carry out your wishes.
Be sure to list all biographical and financial information, including:
location of your will
information about insurance policies
children's names, addresses, and telephone numbers
bank accounts and securities
safe deposit boxes
benefit entitlements
any other important documents
Make your arrangements before the need arises....for those you love.
