Pre-Financing Your Funeral Services

Planning a funeral can be an involved process, one that unfortunately often takes place at a time when focusing and making decisions can prove particularly challenging due to feeling emotionally drained. Many people are taking the responsibility for their funeral arrangements into their own hands and pre-planning the details of their future service in order to reduce the stress placed on their loved ones. This can be taken one step further by pre-paying the expenses for your funeral service as well.

A pre-paid funeral plan dictates the specific customized products and services that you desire for your funeral, such as the casket, flowers, and funeral home to be used. A price for these arrangements is estimated, a policy is created, and you can work towards paying off that amount over the course of a 3, 5, or 10 year plan. It can also be paid upfront, though most policies range from $10,000 to $25,000. Selecting what is known as a "guaranteed plan" is recommended when possible. This means that the exact price for the exact goods and services you have chosen will be locked in and cannot be impacted by inflation or other financial concerns that may occur over the years before you pass.

While purchasing a funeral plan is a compassionate gesture to your loved ones, it may not be the most cost-effective route, depending on the details of what you want for your funeral. Additionally, some families have had quite poor experiences with the process, leading others to avoid the risks of pre-paying. If you are experiencing hesitations, another option is to take out a small life insurance policy specifically dedicated to paying for your final expenses. This type of coverage is highly regulated and offers great flexibility.

Many potential issues can be prevented simply by working with the right funeral home, however. The directors and staff here at Lester H. Wedekindt Funeral Home Inc. can be trusted to fully deliver on our promises and your expectations. We have assisted countless families throughout Amherst, Kenmore, Niagara Falls, North Tonawanda, Tonawanda, Williamsville, and the surrounding Buffalo, NY areas with successful funeral planning and would be proud to do the same for you. Please contact us today discuss your pre-arranged funeral services!