Financial Benefits of Pre-Planning Your Funeral

By: Tom Gallagher
Wednesday, January 29, 2020

Many funeral homes offer pre-planning services, allowing people to plan their funeral or memorials in advance. At Thomas M. Gallagher Funeral Home, we encourage people to consider it because pre-planning offers several great benefits. It doesn’t just help ensure your wishes are carried out, but also offers some financial advantages. Here’s a look at what you can expect:

1. Funeral Costs Increase Over Time

Funeral costs increase with rising overhead costs. A service that could be done in $5,000 a decade ago now costs twice the amount. A pre-planned funeral is based on current rates, which means you can save several thousand dollars by avoiding inflation.

2. Risk of Overspending

Loved ones don't make sound financial decisions when grieving. It's common for people to overspend on funerals or feel guilty about not spending enough. Pre-planning allows you to control over the funeral budget. Clients can choose a plan that they can afford and don't need to worry about people splurging on them.

3. Payment Plans

Many funeral homes allow clients to pay for pre-planned arrangements in small installments. Instead of spending $10,000 in a lump sum, you can pay it over 2-3 years. Payment plans are comfortable and ease the financial burden of funeral costs. Families don’t need to use insurance money or savings to pay for the arrangements up-front.

Pre-planning doesn’t require a lot of plan or effort. A funeral director will explain everything involved carefully and help you make the right decisions. Clients only need to fill out a simple form, state their preferences, choose the type of funeral and then decide on a suitable payment plan for the arrangements.

If you want to know more about funerals or want to plan one, don’t hesitate to call us at Thomas M. Gallagher Funeral Home for more information.

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