If making preneed arrangements interests you but you
still have a few questions, please feel welcome to contact
us. Below are some commonly asked questions, but you may have
others that can be answered by our preneed
Please feel welcome to call our San Marcos Chapel at
760-744-4522 or our Vista Chapel at 760-726-2555 or email firstname.lastname@example.org
to make an appointment for a no-obligation consultation with
one of our preneed specialists. You may also choose to
complete our online form and we'll
contact you as you request on the form.
Reasons to Say No to Arranging Your Own Funeral
12 Reasons to
Ignore Preneed Arrangements When Your Choice is Cremation.
will making preneed arrangements benefit my family?
Prearranging your own funeral removes the decision-making burden
from your survivors by making your personal choices known well in
advance of need. Family members will not have to worry and
wonder if they are making the right choices or the choices you
would have wanted made.
Your family will also not have to pay for your funeral services
and merchandise at the time of your death when you have
pre-selected, pre-signed, and pre-paid for your funeral
is the difference between
preplanning and prearranging?
Preplanning is the process of selecting the
merchandise and services and placing them on file at the funeral
home. At Allen Brothers Mortuary, we provide this service as
a courtesy and at no charge. This eliminates some of the
emotional stress for your surviving loved ones.
Prearranging involves payment for the service
and merchandise choices to help reduce the financial burden on your
does Allen Brothers handle the payment of preneed arrangements?
Because mortuaries are not allowed by law to hold funds in
advance of a death, Allen Brothers Mortuary has chosen to work with
Great Western Insurance Company, who offers
insurance plans to meet the needs of our families.
We also work with and accept preneed or prefunded arrangements
from many other insurance plans, including but not limited to,
National Guardian Life (NGL), Homesteaders, and
Forethought, just to name a few. In
addition, we accept preneed insurance transfers for your
arrangements made at other mortuaries, including those from out of
All Preneed Consultants at Allen Brothers Mortuary focus on
finding the best options for each family we serve.
if I'm out of town when I
With Great Western Insurance, if your preneed exceeds $2,000.00
and you die 250 miles or more away from home, an additional $500.
benefit is provided to assist with transportation home or other
needs. In addition, there is also a low-cost worldwide travel
Please check your individual insurance plan to see what specific
benefits it offers.
if I move away from this
Your plan is transferable nationwide because the funds are
secured for you with Great Western Insurance Company. Most
insurance plans include this nationwide coverage transfer but
check with your individual plan for their specific details.
if I want to make changes in the
YOU can make changes to your prearrangements at any time BUT you
are the only one who can make any changes, unless you have given
written permission to someone else.
will making prearrangements affect my estate?
The preneed plan is generally made irrevocable to protect you
from government attachment, such as Medi-Cal and SSI.
Supplemental Security Income (SSI) and Medi-Cal cannot consider
your irrevocable preneed plan as an asset and there is no luxury or
estate tax on your plan.
about future cost increases?
The plan you choose makes sure your "services and merchandise"
are guaranteed at no additional cost to your family.
Allowances can be added to your plan but are not guaranteed.
These allowances may include, but are not limited to, certified
copies of the death certificate, honorariums, and obituaries.
These are not mortuary expenses but are items the mortuary can help
you with under the "Cash Advance" category. Sales tax is also
a non-guaranteed cost and will be adjusted according to the current
rate at the time of need.
Changes to the merchandise in your plan are sometimes requested
by the family; if these changes increase the cost of the
merchandise, the family will be responsible for paying the increase
difference, along with the difference in sales tax.
is not covered under prepaid
Certain fees cannot be covered or guaranteed under preneed
arrangements because they are charged by outside agencies and
vendors. However, you have the option of choosing to set
aside an allowance toward these fees to further reduce the
financial impact on your family. These items can include, but
are not limited to:
- Sales tax on merchandise
- Permit for burial
- Certified Copies of Death Certificate
- Newspaper notices
- Honorariums (fees) for minister or music
- Cemetery expenses
- Crematory expenses
- Motorcycle Escorts (for procession to
- Coroner/Medical Examiner fees, if applicable
if I die before the payments are
In most cases, if you answered "no" to the health questions,
your plan is paid off at the time of your death. However, if
you answered "yes" to any of the health questions, you will receive
partial coverage as outlined in your application. Please
check your individual plan for specific details.
If death is caused by an accident, 100% of your pre-funded
funeral plan is paid for, regardless of the original answers to the
|Is interest charged on the payment
There is no interest charged on the pre-paid funeral plan
written through Great Western Insurance Company. If you wish
to stay on a payment plan for more than two years, insurance fees
will be charged. However, if you choose to pay your plan off
at any time during the first year, you will pay $100 or 3% of
the total face amount, whichever is greater. Or, if you
choose to pay your plan off in the second year, you will pay $200
Please check your individual insurance company's plan for
Your Preneed Consultant can explain additional options and
answer any questions you may have.
if the mortuary goes out of
Your plan is protected by Great Western Insurance Company, or
the insurance company who wrote your plan, and can be transferred
to another mortuary if the need arises.
Allen Brothers Mortuary is in its second generation of family
operation. In February of 2014, our Vista Chapel celebrated
its 50th anniversary and our San Marcos Chapel celebrated its 25th
anniversary. We're here to stay and, in fact, we accept
preneed arrangements made at other mortuaries to assist