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Let Gold Cross Plans Take Care of You & Your Family
Toll Free: 800-755-3941
Phone: 614-568-8042
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800-755-3941 | 614-568-8042

Why Prearrange?

Why Prearrange?

Lighting the Way to Prearrangement

Why should I preplan my funeral?

  • It lets you make your wishes known, so your loved ones will not have to guess. They won't have to worry if they did the right thing.
  • It eliminates emotional overspending from grief or guilt. Prearranging can bring peace of mind to your family's decision-making.
  • It gives you a chance to personalize your funeral service and make it a "celebration of life." It's a way to get your loved ones involved and make it a positive experience.
  • It relieves you and your family from future financial responsibilities and burdens.
  • It gives you total peace of mind. Pre-arranging is a thoughtful gift you can leave your family.

How is life insurance used?
Preneed life insurance policies have a death benefit that is designed to grow. Inflation causes the funeral process to rise over time. The growth in the face value of the policy is designed to offset the inflation so the funds are there to cover the prearranged choices. The benefits can be assigned to the funeral home to pay for the cost of the funeral. Unlike bank deposits that earn interest, growth on this type of life insurance policy is tax-exempt.

What is a prearranged funeral?
A prearranged funeral is when a funeral is arranged in advance. Making these decisions today allows you to make logical, thoughtful arrangements that your family will appreciate, as well as allow you time to tend to every detail.

What are the methods of prearranging a funeral?
Pre-arranging your funeral can be very informal; they can be as simple as writing down your preferences and sharing your wishes with a family member. More formal arrangements in the form of a preneed contract can be set up with a funeral home and can be pre-funded through life insurance and or other methods, such as revocable and irrevocable preneed contracts.

If you elect to pay for a funeral service in advance, the prices of the services and merchandise are guaranteed. You are essentially paying for a funeral service at today's price, even though the need may not occur for many years. Through funeral home preplanning programs that use life insurance funding, you can be assured that your money is safe and will be available at the time of need.

If you need nursing home care or other monetary assistance in the future, your pre-funded service cannot be taken away from you. If you move, your arrangements can move with you to the funeral home of your choice.

What information do I need?
You need facts about yourself, such as your address, Social Security number, religious affiliation, military service records and the names of your family members. This is an opportunity to talk about yourself and the type of funeral service you prefer. You should discuss your preferences with family and friends. Feel free to ask these people to accompany you when making your prearrangements.

What can be expected when meeting with a funeral director?
An independent funeral director or an advance planning specialist can meet with the family at their residence or at the funeral home to learn about their lives and what is important to them. Toward the conclusion of the meeting, the funeral director or advance planning specialist will review the choices with the family and then arrive at a cost using today’s prices.