While you may not want to think about dying, knowing how to preplan a funeral can save your family a lot of time, energy and grief. Arranging your funeral now will ensure that once you die, you will receive a memorial of which you are proud.
The First Step in How to Preplan a Funeral
One of the first things you need to think about when preplanning a funeral is how it will be financed. Funerals are not cheap and some people don't have the savings to cover its costs. Furthermore, if you end up needing medical care before your death that exceed what your health insurance will pay and exhausts your savings account, there will be no money left for the funeral arrangements. To ensure that you have the funds, you might want to consider looking into funeral insurance.
Funeral insurance, depending on the policy, covers a burial plot, flowers, cosmetology, grave marker and much more. The more coverage you want, the more you will have to pay so you will have to decide how much you believe you will need.
When you purchase pre-need insurance, you have two options: Prepaying in full or paying in installments. If you prepay, it will ensure that your policy will be effective at the time of your death. You can also obtain a pre-need trust agreement but keep in mind that it's much like a savings account in that it's considered an estate asset (meaning it can be depleted to pay for medical care).
You can find funeral insurance online at:
Preplanning Funeral Arrangements
After deciding how your funeral will be paid for, you can start planning for it.
- Will: Make sure you have a will and that it is up to date. Have it in a safe place where your family can obtain at the time of your death.
- Funeral home: Take some time and visit funeral homes. You can speak with the operator to receive information about services. You may even be allowed to see a decorated room for a wake or ceremony to have a better idea of how you would like to decorate your own.
- Casket: Designing a coffin means you will be able to choose your final resting place. You can either buy one that is premade or have one designed that reflects your personality and style.
- Burial plot: If you don't know where you want to be buried, visit some cemeteries to decide where you would like to be buried.
- Grave marker: After finding the place you want to be buried, consider finding a grave marker. You can have these personalized as well with your information and/or a quote about your life.
Once you've covered the major parts of your funeral, you may want to leave the technicalities to your family or you can decide exactly what you want and write it down. You can then give it to a trusted family member or friend, place it in a safe deposit box or attach it to your will.
Now that you know how to preplan a funeral, you can start searching for exactly what you want. Make sure to include your family and/or friends, so they know how important this is to you and exactly how you want to say goodbye.