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.

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.

Give your family the gift of love

The death of a loved one is a reality every family must face. If you have been involved with making funeral or cremation arrangements then you are well aware of the high cost of caskets, urns and cemetery property, not to mention the details and many emotional decisions that must be made. Simple steps can be taken to minimize this burden on the people you love.

The Veterans Funeral Plan was created to save your family unnecessary stress, grief, and money, and includes assistance obtaining VA Benefits paid directly to your family. Whether you served in war or peacetime, these benefits are available to all eligible veterans, spouses and their dependents at no cost.

Act now and request a brochure that provides important information on how you can save hundreds, even thousands on funeral or cremation services. In current economic conditions, these low cost, inexpensive plans stretch dimes into dollars which helps all veterans and their families. Northern Indiana Funeral Care is the exclusive provider of Veterans Funeral Care for Fort Wayne and all of Northeast Indiana. This program is exclusively endorsed by The American Legion, Department of Indiana. Give your family the gift of love – plan ahead and enroll today!

Should I preplan my funeral?

We recommend that everyone preplan his or her own funeral. Doing so can offer emotional and financial security for both you and your family. By preplanning a funeral you will get the kind of service you want and your family will be unburdened from making decisions at a stressful time. Preplanning doesn’t necessarily mean prepaying. If you are considering preplanning your funeral anywhere in northern Indiana, please visit the Preneed section of our website or contact Northern Indiana Funeral Care for more information at 1-877-382-2756.