This consumer-awareness article is intended to help consumers make educated choices when it comes time to plan and pay for funeral services in advance.
Consumers Most Likely to Preplan and Prepay for a Funeral
Consumers of all types seek the assistance of a funeral director to help them through the details associated with the preplanning and prepayment of a funeral. Many factors may contribute to the final decision to preplan a funeral, but make no mistake, a preplanned funeral—for whatever reason—can help ease the family's burden at the time of death.
A preplanned funeral is typically arranged directly by the person or persons who the prearrangements are for, such as a husband and wife. However, anyone can set up a preplanned and prepaid funeral for someone else. People who are most likely to arrange for a service are those who understand its benefits or the need to prepare ahead of time, such as:
- Alleviate survivors from having to select the services at the time of need;
- A desire or need to preplan their funeral as a continuation of an overall estate plan;
- To lock in the price: Pay for tomorrow’s services at today’s prices; or
- Part of a sequence of events associated with establishing Medicaid assistance for a patient in a long term care facility, including the requirement to spend down certain cash assets or using current insurance assets to fund a prepaid funeral.
If at any time you find that a funeral home or other prepaid funeral seller is operating without a proper license or have information on improper preneed practices, please visit the Michigan Department of Licensing and Regulatory Affairs website or call the Enforcement Division at (517) 241-9280 to file a complaint.
Start Planning Now
To start the pre-planning process, you can fill out our pre-planning form. Or feel free to reach us by phone any time, and one of our consultants will help guide you through every option.