Ten Reasons For Planning Ahead

1. I want to relieve my surviving family members of the highly
emotional burden associated with funeral arrangement decisions by
reducing family stress, anxiety and confusion. I wish to ensure my
family is free from risk, bickering, uncertainty, unnecessary worry,
grief and bereavement.

2. I want to express my own unique wishes so my family will not have
to guess what I would have wanted. I want to design my own special
services!

3. I want to make informed, thoughtful decisions and not just react.

4. I want to make these important decisions with the consultation of my
family.

5. I want to relieve any possible conflict and/or misunderstandings
about my wishes among immediate family members or “blended”
family members at an emotional time.

6. I want to relieve my family of the financial strain associated with my
final expenses.

7. I want to reduce the chance my family will “emotionally overspend”
on my final arrangements.

8. I want to ensure my funeral expenses are Medicaid/SSI exempt, thus
protecting my assets from confiscation due to unforeseen
nursing home or long-term care expenses.

9. I want to safe guard my checking, savings, life insurance and/or
estate assets for my family. Not pay them out in funeral expenses.

10. I want to provide my family security and peace of mind just knowing
it is all taken care of and not left for others to deal with.

Contact Northern Indiana Funeral Care today to find out how you can pre-plan and save.

Get the Facts from Veterans Funeral Care

As a Veterans Funeral Care provider, Northern Indiana Funeral Care advance planning specialists pride themselves on knowing everything there is to know about veterans death benefits and how to get them.  Visit us at Northern Indiana Funeral Care for more information.

Indiana War Memorial – Honoring Hoosier Veterans

Brigadier General J. Stewart Goodwin, Executive Director of the Indiana War Memorial shares some information about the Indiana War Memorial and other space in Indianapolis dedicated to honoring the United States military veterans who have served for the USA. A truly remarkable space, both inside and out.

The Indiana War Memorial opened its doors for funerals of Hoosier veterans. The memorial in downtown Indianapolis is available without charge for funerals of service members who signed up for their military service in Indiana.

The director of the war memorials commission says funerals fit into the building’s overall mission to honor Indiana veterans and to make sure people are aware of their contributions. The War Memorial includes the ornate 500-seat General Pershing Auditorium and the Shrine Room, which features 24 blood-red columns made out of Vermont granite.

Call Bryan Jenisch at Northern Indiana Funeral Care at (877) 382-2756 for information about how you can honor your loved one with a funeral at the Indiana War Memorial.

Is pre-financing a funeral safe?

Indiana law governs all payments made towards the pre-financing of funeral.  All funds must be placed into a trust fund, escrow, or used to buy an insurance policy to fund the arrangements you desire.

The funds are irrevocably held for the purpose of paying for the arrangements you contracted for and are paid directly to the funeral home – outside of your will and without probate.

It is illegal for someone to sell pre-need contracts without being a representative of a funeral home.  Don’t let someone sell you a funeral contract that will be “accepted by any funeral home.”

Northern Indiana Funeral Care has partnered with Unity Financial to provide a safe and secure way to pre-finance your arrangements.  Call us today at 1-877-382-2756 or visit our website at www.NorthernIndianaFuneralCare.com for more information about our affordable funeral and cremation plans.

Child and Grandchild Protection from Northern Indiana Funeral Care

At Northern Indiana Funeral Care, we understand that your family comes first.  This is why we provide the Child Protection Plan at no additional cost to those who purchase a life insurance policy from our pre-need partner, Unity Financial, to fund their pre-arranged funeral.  The Child Protection Plan will provide a payment for funeral or cremation services and merchandise in an amount equal to the least of the cost of the funeral, the insured’s then current death benefit or $3,000 in the event of a death of an unmarried child, grandchild or great-grandchild of the insured.  This benefit also applies to your step children, step grandchildren and step great-grandchildren.

Northern Indiana Funeral Care is committed to providing superior funeral funding products and services to the families we serve.  Our business is focused on providing a funeral funding product that provides exceptional value for our customers.

Call us today at 1-877-382-2756 for more information or you can request a free brochure on our website.

Early Payoff Plan

Northern Indiana Funeral Care utilizes Unity Financial Life Insurance Company as their preneed funding partner.  We are continuing the series of blog posts that focus on the details of funding funeral plans in advance.  A feature that often creates confusion is the early payoff option.  The following is a series of questions and answers that hopefully will help give a better understanding of the product and the benefits it provides:

Q.  What is an Early Payoff Plan?
A.  The Unity Financial Early Payoff Plan is a way to satisfy the remaining payments due on a policy before the end of the scheduled payment period.

Q.  What are the benefits?
A.  Paying off a policy early lowers the overall cost of protection.  In addition, once the policy has been paid off, there is no need to worry about making any further payments in connection with your policy.

Q.  Who can take advantage of this plan?
A.  Unity Financials Early Payoff Plan is available for any 5, 7, or 10-pay policy that is less than 18 months old, and for any 3-pay policy that is less than one year old.

Q.  How is the early payoff amount calculated?
A.  It’s easy.  First, add together all the premiums that have been paid for our policy to date.  Then subtract that amount from the original face amount that appears in the policy.  Unity Financial charges no fee for this option.

Q.  Is there any paperwork to complete?
A.  Once the payoff amount has been calculated; simply send a check for the payoff amount to the office of Northern Indiana Funeral Care of Fort Wayne.  If you have questions or need to find out the payoff amount contact the advance planning counselor who originally helped you plan.  They can verify your policy number and will also make a note of your conversation so the payment can be identified when you send it in.

Q.  Does this affect my funeral or cremation pre-arrangements?
A.  Funeral or cremations plans are between the family and the Funeral Director and will not change as a result of this plan.

Q.  How will I know when the transaction has been completed?
A.  Once all processing has taken place, a paid up certificate will be mailed as proof that Unity Financials Early Payoff Plan has been exercised and that no further premiums are due.

Call us today at 877-382-2756 for more information about how you can pre-arrange and fund your funeral while saving money and relieving stress for your family.  You can also request a free brochure here.

Lighting the Way to Pre-Arrangement

Why pre-arrange?
Funeral pre-arrangements allow a family the choice of how life will be remembered at the time of death.  Pre-arrangement also spares grieving family and friends the emotional and financial decision process at such a difficult time.  With business taken care of in advance, loved ones can celebrate life and mourn death without the burden of planning and paying for a funeral.

In addition to emotional benefits, pre-arrangement also provides financial benefits.  A funeral can be funded at today’s prices knowing that money has been put aside for this specific purpose.

What can be expected when meeting with the Funeral Director?
An independent Funeral Director or a Pre-Arrangement Counselor can meet with the family at their residence or at the funeral home to learn more about their lives and what is important to them.  Then a legally-required, standardized statement of goods and services will be presented to show the various products and services that can be selected as well as their current-day cost.

Toward the conclusion of the meeting, the Funeral Director or Counselor will review the choices with the family and then arrive at a cost using today’s prices.

How is life insurance used?
Pre-Need life insurance policies have a death benefit that is designed to grow as time progresses.  Inflation rates cause funeral prices to rise and typically the face value of the policy grows at a similar rate so the funds are there to cover the pre-arranged choices.

In most states, an independent Funeral Director or Pre-Arrangement Counselor can help you pre-arrange your funeral and you can purchase a Unity Financial life insurance policy with a payment plan that will fit any budget.  Unity Financial Life Insurance Company will issue you life insurance policy and the benefits of the policy will fund you pre-arrangement plan.  The benefits are assigned to the funeral home to pay for the cost of the funeral.  Unlike most trust funds, growth on this type of policy is tax exempt.

Isn’t life insurance only for the young and healthy?
Pre-Need life insurance was created for the sole purpose of financing funeral pre-arrangements.  Since most Pre-Need clients are of mature age, these products provide higher age limits and lower face amounts that mirror funeral costs.  Most applications for coverage request little or no health information.

Unity Financial life insurance policies are issued with a 30-day free look period.  During this time the policy may be returned for any reason and the monies will be refunded.

Do it today!
Families that see the value in pre-planning, even if it is information only, gain great peace of mind knowing that their family will not have to make those difficult decisions on the worst day of their life.

What’s my next step?
Are you ready to learn more about how funeral pre-arrangements can benefit you and your loved ones?  Call Northern Indiana Funeral Care today at 877-382-2756 or visit our website at www.northernindianafuneralcare.com and click on the Request Brochure button at the bottom of the Home page.

Get Up

Contributed by Thomas Hyatt

I’ve discovered one of the things that compel me to continue writing this blog is it provides a platform to share thoughts and ideas that may have a positive impact on someone who is experiencing sickness or a death in their family.  I sincerely appreciate you taking the time, dear reader, to allow me to share the following.  King Solomon wrote in the Book of Proverbs that “The tongue has the power of life and death, and those who love it will eat its fruit” (Prov. 18:21 NIV).  And so it is.  The ability to express an idea can be transforming.  It has the potential to help someone see something in a way that they were unable to just moments before.  For this reason I thoroughly enjoy sharing these poignant words with you from my favorite author, Frederick Buechner.  He writes:

“In Aramaic talitha cumi means “Little girl, get up.”  It’s the language Jesus and his friends probably used when they spoke to each other, so these may well be his actual words, among the very few that have come down to us verbatim.  He spoke them at a child’s funeral, the twelve-year-old daughter of a man named Jairus (Mark 5:35-43).”

“The occasion took place at the man’s house.  There was plenty of the kind of sorrow you expect when anybody that young dies.  And that’s one of the great uses of funerals surely, to be cited when people protest that they’re barbaric holdovers from the past, that you should celebrate the life rather than mourn the death, and so on.  Celebrate the life by all means, but face up to the death of that life.  Weep all the tears you have in you to weep, because whatever may happen next, if anything does, this has happened.  Something precious and irreplaceable has come to an end and something in you has come to an end with it.  Funerals put a period after the sentence’s last word.  They close a door.  They help you get on with your life.”

“The child was dead, but Jesus, when he got there, said she was only asleep.  He said the same thing when his friend Lazarus died.  Death is not any more permanent than sleep is permanent is what he meant apparently.  That isn’t to say he took death lightly.  When he heard about Lazarus, he wept, and it’s hard to imagine him doing any differently here.  But if death is the closing of one door, he seems to say, it is the opening of another one.  Talitha cumi.  He took the little girl’s hand, and he told her to get up, and she did.  The mother and father were there, Mark says.  The neighbors, the friends.  It is a scene to conjure up.” 

“Old woman, get up.  Young man.  The one you don’t know how you’ll ever manage to live without.  The one you don’t know how you ever managed to live with.  Little girl.  “Get up,” he says.”

“The other use of funerals is to remind us of those two words.  When the last hymn has been sung, the benediction given, and the immediate family escorted out a side door, they may be the best we have to make it possible to get up ourselves.”

I’ll take up the value of a funeral along with the issue of funeral director’s whining about the rising cremation rate in a future blog.  For now I encourage you to reread the words of Buechner and consider what it would have been like to come face to face with this man, our Lord and Savior.  Until next time.

Thomas Hyatt, a 16 year veteran of the funeral and cremation business, is a lifelong Indiana resident and frequent contributor to this blog.  He works as a consultant to funeral homes helping them be more effective with the families they serve.  He has been involved with Northern Indiana Funeral Care of Fort Wayne since its inception and continues to help them spread their message to more families.  Northern Indiana Funeral Care promotes a return to the church-based funeral and is on the leading edge of an industry trend toward more simple and inexpensive services. If you’d like to know more about them please click here.