The Prominent Nationwide Cemetery Property Listing Service
Funeral & Cemetery Private
The Last Plan™ Layaway Program
The Federal Trade Commission
This information provided by The FTC is extremely informative and a must read for anyone thinking about preplanning or prearranging funeral and cemetery services or is facing having to arrange for funeral and cemetery services.
We know it can be very daunting to think about pre planning your own funeral. It is something that we don't want to think about let alone talk about. We know it can be an uncomfortable discussion. Many of us feel that it is best to "just leave it to the kids. Let them figure it out - it doesn't matter to me - I'll be dead - what do I care"!
The burden that is placed on those we leave behind to make funeral and cemetery arrangements for a loved one is tremendous. It is a time of high emotion and stress and decisions that have to be made are not always made with you in mind. You leave your family with an emotional burden as well as a financial burden because of decisions they have to make. And there are many. I recommend taking a moment to vist our 'What Must be Done at Time of Death' page.
As Cemeterians, we have sat at the arrangement table to assist families making arrangements at the time of need. . Those that have followed the wishes of the deceased brought less stress and anguish. Those families left to make the decisions for the deceased at the time of death brought arguments, undue stress and anguish at a time that should be bringing families together. We've witnessed arguments between the type of disposition. Some family members say burial, other family members say cremation.
There is a difference between preplanning and prearranging. There are many benefits to both.
PrePlanning - You make your final wishes known to those who will be responsible for handling your arrangements. Such as the specific funeral home and/or cemetery you want to use? What type of casket if you want a traditional burial? Do you want a traditional burial or do you wish for your final disposition to be cremation? Do you want a ground burial or a mausoleum crypt entombment? Are you a Veteran? Do you wish to have honors when laid to rest? Are you a member of a fraternity? Do you want a church service or a graveside service? The decisions can go on and on.
When you clearly leave your instructions for those you leave behind, you eliminate tremendous stress and anguish. Your family wants the very very best for you - even in death. What they know - they will follow.
PreArranging - You don't leave your family with the financial burden of having to pay for your funeral and cemetery at the time of your death. You freeze the cost of your funeral and cemetery needs when you prearrange. A modest funeral today can cost upwards of $7,000.00. In twenty years, it could be upwards of $15,000.00. A cemetery plot today can cost upwards of $2,500.00 depending on cemetery and location. In twenty years, it could be upwards of $6,000.00.
I know, you're saying, 'that's what I have life insurance for'! Life insurance is just that. Life! Life insurance is meant to take care of the ones you leave behind so they can move forward. Remember, your spouse or significant other, just lost 50% of the household income. Using a life insurance policy for funeral and cemetery costs can create some unforseen problems. A life insurance policy is paid to the beneficiaries. The process to have these funds released can take a lot of time. Upwards of 3 to 6 months. And a beneficiary does not have any obligation to pay your funeral expenses. Funeral homes are not willing to wait that long to get paid.
The funeral home and/or cemetery you select may offer a pre-paid funeral contract. Your funeral provider may have payment plans that allow you to also pay for your funeral and cemetery needs ahead of time. This freezes the cost of your funeral and cemetery needs at the time of purchase. If your pre-paid funeral contract has not been satisified at the time of your death, your family will need to pay the balance before the arrangements can be completed.
USE OUR LAYAWAY PROGRAM!
The Cemetery Exchange can assist you in your preplanning and/or prearranging of your final wishes. We have many sellers that have designated their property for sale under layaway. This is great opportunity to start your preplanning and prearranging with cemetery property that is discounted at least 20% below the cemetery retail. Even if you are interested in a particular property that is not designated layaway, get in touch with us. We will contact the seller on your behalf to see if they are willing to put their property on layaway for you.
Our layaway program can't be simpler. We charge a flat 2% of the agreed purchase price with a 25% down payment. The balance can be paid up to 48 months. Sonme cemetery prearranging plans can carry a finance charge of up to 12%.
We assist you every step of the way in your preplanning and prearranging. For our buyers who purchase property on layaway, we will give you our very popular - The Last Plan™ for Free!
The Last Plan™ is a 34 page informational binder that we can help you complete. It was developed to assist your family members and those responsible for your end of life wishes. We can never assume that the information they will need is readily available to them; or that they will always know where to find the information they need.
The Last Plan™ will be the source that your family will go to for vital statistics, medical information, financial and insurance information, Veteran's information, Social Security information, Wills and important document location, burial and funeral information, and Living Will directives.
Once The Last Plan™ has been completed, we send you your personalized and completed plan in a binder with specific dividers and pockets to store additional documents and information. You can update your information at any time just by contacting us as we know that things change. You will also be provided with The Last Plan™ identification card. Your identification card identifies that you are a member of The Last Plan™ network. In the event, your loved ones cannot readily locate your information, they can contact us and we can provide that information to that person that you have designated with a need to know.
Here is what your
Last Plan™ will include:
A personal message page completed by you titled
"To My Family & Loved Ones"
Please email us with any questions or to get more detailed information - firstname.lastname@example.org