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Ways to Fund Funeral Expenses


Funeral Insurance: Arranged and purchased through a funeral provider to pay for the costs of the funeral service, merchandise such as a casket or urn, and other related mer- chandise and services. Services and merchandise provided directly by the funeral home are guaranteed in price at the time of purchase, meaning that your loved ones will not be charged should those items increase in price. Options may be available for a single


payment, or over a period of time with fixed and easy to understand payment install- ments.


Funeral Trust: In some circumstances, Funeral Insurance is unavailable for families


whose loved on is on hospice care, or the passing is expected. Similar to Funeral Insur- ance, costs of services and merchandise provided by the funeral home are guaranteed with a Funeral Trust.


Other Options


Life Insurance: Insurance purchased outside of the funeral home that will pay a policy value to the surviving beneficiaries. While some Life Insurance Policies are assignable to a funeral home after a death has occurred, not all are. The costs of services and


merchandise from a funeral home are usually not guaranteed at and previous prices, and additional fees to accept the assignment of the policy may apply.


Savings Account: Accounts established with a banking institution outside of the funeral home, controlled and managed by your loved one or yourself. Most bank-held accounts are not assignable to funeral homes at any time, and services and merchandise provided by the funeral home are usually not guaranteed at any previous price.


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