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home : obituaries : ask the funeral director
June 17, 2019


4/20/2012 12:23:00 PM
Pre-planning questions answered

Pat Fahrenkrug
Community outreach director/funeral director


In the January edition of Ask the Funeral Director we discussed the importance of funeral pre-planning. Since then we have had quite a few questions and inquiries from people. As a follow-up to our previous article we will answer some of these questions.

Q: My parents already have their funerals planned and paid for in Florida where they used to spend their winters and planned on living full time. Due to illness they are no longer able to go to Florida and are both in an assisted living facility in the area. What happens to the money they paid in Florida? Can we still use it for funeral expenses here?

ATFD: You will be glad to know that all monies that are put in a pre-need funeral trust or funeral insurance policy are transferable to any funeral home at any time. All you have to do is let us know that you would like to transfer a trust and we can take care of the paperwork for you. It is a very simple process and you do not have to contact the funeral home where you want to transfer the trust from.

Q: I got a letter from a fi nancial institution asking if I would be interested in purchasing a fi nal expense policy. Isn't this the same thing as a funeral insurance or bank trust?

ATFD: No, a fi nal expense policy is much different than an insurance or bank trust. The biggest and most important difference is that a fi nal expense policy is considered an asset and is not protected if you have to go under assistance. An insurance or bank trust through a funeral home is protected under state law and does not have to be liquidated if you have to go under assistance.

Q: What happens if I've already paid for a cremation and a memorial service, but I've changed my mind and no longer want to be cremated? Isn't burial more expensive than cremation?

ATFD: Burial can be more expensive than cremation but you can change your wishes and add money and any other purchases to your pre-need plan at any time. There are many variables and questions that people have when it comes to pre-paying and pre-planning for their funeral expenses. Please continue to contact us with any questions you have and we will be glad to address them for you.












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