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. 

Pre-planning allows your loved ones to reflect upon the memories of your life rather than the details of your death.

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The benefits of prearranging your own services include:

  • Decisions 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,
please call us in Vista at 760-726-2555 or in San Marcos at 760-744-4522,
or email us at preneed@allenbrothersmortuary.com.


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How will making preneed arrangements benefit my family?

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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 funeral arrangements.

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What is the difference between preplanning and prearranging?

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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.

 

 

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How does Allen Brothers Mortuary handle the payment of preneed arrangements?

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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 we serve.

 
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What if I’m out of town when I die?

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With 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.

 

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What if I move away from this area?

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Your plan is transferable nationwide because the funds are secured for you with Great Western Insurance Company.

 

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What if I want to make changes in the future?

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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.

 

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How will making prearrangements affect my estate?

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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.

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What about future cost increases?

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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.

NOTE:  Allen Brothers Mortuary will return any excess funds, above the costs at time of death, to the family.

 

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What is not covered under prepaid arrangements?

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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:


  • Permit for burial
  • Certified Copies of Death Certificate
  • Newspaper notices
  • Honorariums (fees) for minister or music
  • Limousine
  • Cemetery expenses
  • Crematory expenses
  • Motorcycle Escorts (for procession to cemetery)
  • Hairdresser
  • Coroner/Medical Examiner fees, if applicable

 
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What if I die before the payments are completed?

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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 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.

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Is interest charged on the payment plans?

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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%. 

Your Preneed Consultant can explain additional options and answer any questions you may have.

 

 

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What if the mortuary goes out of business?

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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.

 

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Family owned and operated in San Diego County, CA since 1964.