Does Paying for Funeral Services Now Save Money?
Thursday, May 6th, 2010
Bill R. asks "Can I save my family money by paying for all of my funeral services before I die?"
It's possible. If you choose to have funeral home services and merchandise guaranteed with a funeral contract it is called "prefunding a funeral." At Krause Funeral Homes a written contract guarantees that there will be no hidden or additional costs for the funeral arrangements you choose and removes the possibility that grieving or guilt-stricken family members will feel the need to overspend. And your contract is portable—in the event you move, the plan and funds are yours to use at whichever funeral home you desire. A prefunded funeral can also provide real benefits if applying for Medicaid.
Here's how it works: When you prefund a funeral you and your certified preplanner will put the details of your wishes in writing—including specific services and manufacturer and model of the merchandise you choose.
At the time of death that detailed list will be compared with a current price list to gather current costs. If at the time of death the cost of services and merchandise chosen is MORE than the value of the policy, the funeral home will cover the difference. In that way you are guaranteed the service and merchandise you chose at no additional cost to you.
If after comparing the current costs with the value of the policy the total is LESS than what is in the policy, the excess money goes to the family.
We cannot guarantee “Miscellaneous” fees, as they have nothing to do with the funeral home. For example, we have no control over the increase in costs or the amount the family may want to spend for newspaper death notices, flowers or the cost of the luncheon or cemetery plot.
For additional information on preplanning funerals click here or contact us.
*For privacy reasons, we have changed the names of the people who have asked questions.

In celebration of Arbor Day this Friday, many will take steps to keep our Earth green. Planting trees is certainly a positive step; trees provide shade, harbor wildlife and help beautify a yard. But they do much more than that.
The embalming procedures used by priests back in 1342 B.C. allowed researchers to find viable DNA in 16 royal mummies, including King Tutankhamen, according to a study published yesterday in the Journal of the American Medical Association. With that DNA, scientists have determined that the pharaoh’s parents were siblings, it’s likely he married his sister and he fathered two stillborn babies. They also concluded that it was probably malaria, not murder, that killed him. Medical and radiological investigations reported that he had Plasmodium falciparum (the cause of the most severe form of malaria) along with a debilitating bone disorder, club foot, cleft palette and freshly broken leg.
This year Scott T. made a New Year’s resolution to get organized. If something unforeseen happened, Scott isn’t certain his family would be able to find legal, financial or other important information. “A friend of mine unexpectedly died last year and I watched his family struggle to make decisions about funeral arrangements and spend hours trying to find the info they needed. I wouldn’t want my family to go through that–any advice?”
Peter R.* asked about memorial ideas and cremated remains scattering. “Where can remains be scattered?”
Keith S.* asks "I've heard of a green burial but I'm not sure what's involved. Can you provide more info?"