 At the Cardaras Funeral Homes we are reminded everyday of the value and
benefit of preneed funeral planning. We see the families it has helped,
and we see the families it could have helped. We wish we could help
everyone understand the benefits of preneed funeral planning like we do.
Take some time to read the following pages to become familiar with some of
the benefits of preneed planning. When you are ready we would enjoy the
chance to explain in detail the value and services we can provide at the
Cardaras Funeral Homes.
What is preneed?
Simply put, preneed planning is a way to make funeral arrangements and pay
for them in advance. You will have the peace of mind knowing your wishes
will be carried out. Then, when the time comes, your family won't have to
deal with sensitive and expensive decisions in addition to their grief.
We know that every family who places their trust in us has individual needs.
We listen to families and to those who serve families to help guide you
through the process. Then we find the best solution to your personal needs.
As a result we offer a variety of plans. In some cases, the best solution is
a single pay plan. In other cases, a series of payments over several years
works best. In all cases, we strive to bring compassion and integrity to our
business and add value to all of our relationships. By planning and funding
at today's costs, you can protect yourself and your family from inflation.
Advantages of Funeral Planning
Many individuals and families are making the decision to prearrange and
prefund their funeral expenses before the need arises. Last year alone,
more than one million people planned and paid for their funeral ahead of
time.
The advantages make sense:
Provides peace of mind.
Relieves your loved ones of unnecessary concern.
Reflects your expressed wishes.
Avoids a financial burden on your family.
AFFORDABILITY:
Single & Multi-Pay-Plans
- Affordable payment plans enable you to spread your payments over time, or
payoff your coverage should your financial situation change.
Flexible Payment Options
- Available to fit almost everyone's budget... you can pay the amount you
can afford - when you can afford it.
Premium payments can be drawn directly from your bank account
- Provides for a safe and easy way to make premium payments.
Early payoff of multi-pay plans to fully paid plans
- If you selected to pay for your plan over time, and later decide you want
to payoff the balance, the Forethought plan makes the early payoff simple...
just call your agent for the amount. This option may provide substantial
savings to you.
May qualify for Medicaid/SSI benefits
- Both Medicaid and SSI programs allow you to exclude the cost of your
prearranged funeral within certain limits. Guidelines may vary by state.
Your local funeral professional can assist you with information regarding
the guidelines of your state.
No income tax liability
- The death benefit of a life insurance policy is not considered taxable
income, thus you avoid paying taxes on the increasing death benefit.
Safe
Guaranteed availability ages 0 -99
- You can't be turned down if you are between the ages of 0 -99 regardless
of your health. Age availability may vary by state or plan selected.
Death benefit designed to keep pace with the rising the cost of funerals
- Unlike other plans whose death benefits may never grow, Forethought life
insurance coverage allows for growth in the death benefit to keep pace with
the rising cost of funerals.
Take the first step.
Whether you decide to prefund your funeral planning or decide not to. We
would still appreciate your trust and confidence by allowing us to start a
permanent file with your wishes and desires by filling out our online preplanning form. |
