WHY MAKE PRENEED ARRANGEMENTS?
The emotional stress of arranging
a funeral within days of losing a loved one can be overwhelming. Perhaps the greatest gift each of us can
give our family is to relieve them of this burden by pre-planning our own funeral.
allows your loved ones to reflect upon the memories of your life rather than the details of your death.
of prearranging your own services include:
are made at a stress-free time allowing you to make detailed, practical choices that reflect your ideals
- Financial considerations are decided in advance by you
- Your personal choices are known and will be carried out as planned
- You choose the option best for you:
♦ Courtesy arrangements without payment – information only is kept on file
at the mortuary for use by your family upon your death.
♦ Pre-paid arrangements – guarantees the services and merchandise will be delivered as arranged
in your preneed at no additional cost once paid in full. Payment options include:
· Single payment in full
· Monthly payment options
· Other options are available. Please ask your Preneed Consultant
for more information.
For more information or to schedule a preneed appointment,
call us in Vista at 760-726-2555 or in San Marcos at 760-744-4522,
or email us at email@example.com.
How 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 pay for your
funeral services and merchandise at the time of your death when you’ve pre-selected, pre-signed, and pre-paid for your
What 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 strain for your surviving loved ones.
Prearranging involves payment for the service and merchandise choices to help reduce the financial
burden on your family.
How does Allen Brothers Mortuary 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 partner with Great Western Insurance Company, who offers insurance plans to meet the needs of our families.
Great Western Insurance Company was founded in Ogden, UT in 1983. Started by a funeral director for the specific
purpose of providing funding for prearranged funeral plans, Great Western continues with this tradition today.
For over 20 years, Great Western’s expansion is a testimonial of both its exceptional products and customer service.
The Preneed Consultants at Allen Brothers Mortuary focus on finding the best options for each family
What if I’m out of
town when I die?
Great Western Insurance, if your preneed exceeds $2,000 and you die 250 or more miles away from home, an additional $500 benefit
is provided to assist with other needs or transportation home. In addition, there is also a low-cost worldwide
travel plan available.
What if I move away from this area?
Your plan is transferable nationwide because the funds are secured for you with Great Western Insurance
What if I want to make changes in the future?
Your advantage funeral plan is a living document. YOU can make
changes BUT you are the only one who can make changes, unless you have given written permission to someone else.
How 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.
What about future cost increases?
The plan you choose makes sure that 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 certificates, honorariums, and obituaries.
These are not mortuary expenses but are items the mortuary can help you with under the “Cash Advance” category.
Allen Brothers Mortuary will return any excess funds,
above the costs at time of death, to the family.
What is not covered under prepaid arrangements?
Certain fees cannot be
covered or guaranteed under preneed arrangements because they are charged by outside agencies and vendors. However,
an allowance can be set aside towards these fees to further reduce the financial impact on your family. These
items can include, but are not limited to:
- Certified Copies of Death Certificate
(fees) for minister or music
- Motorcycle Escorts
(for procession to cemetery)
- Coroner/Medical Examiner fees, if applicable
What if I die before the payments are completed?
In most cases, if you answered “no” to the health questions, your plan is paid off at the time
of your death.
if you answered, “yes” to any of the health questions, you will receive partial coverage as outlined on the application.
If death is caused by an accident, 100% of your pre-funded funeral plan is paid for, regardless of the original answers
to the health questions.
Is interest charged on the payment plans?
There is no interest charged on this pre-paid funeral plan. 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 or 6%.
Consultant can explain additional options and answer
any questions you may have.
What if the mortuary goes out of business?
Your plan is protected by Great Western Insurance Company and can be transferred to another
mortuary if the need arises.
Allen Brothers Mortuary is in its second generation of family operation and, in fact, accepts preneed arrangements made at other mortuaries
to assist families.