Funeral Planning Before the Need Arises

People plan carefully for the things that are important in their lives... weddings, the purchase of a home, college education, or financial security during retirement.

But often, the important decision regarding what will happen at the time of one's death is left to someone else.

Preplanning offers individuals and families the opportunity to make funeral arrangements and decisions before the need arises.  Prearranging eases stress on family members at the time of death and also gives individuals a chance to express their desires for their own service arrangements.

Pre-arrangements and pre-financing of funerals is a rising trend nationwide. There are two options available for pre-financing as dictated by Minnesota State Law.

Funeral Insurance
The most common vehicle for pre-funding is a 100% trusted insurance policy or an annuity. These plans allow the beneficiary to use the policy proceeds to pay for the funeral expenses at the time of need. This plan would be the recommended method if you wanted to avoid taxable interest and or to shelter funds.

It is often necessary to place a person on medical assistance as his or her assets dwindle. When funds are depleting, a spend-down of remaining assets begins in an effort to qualify for financial assistance. An acceptable spend-down is a funeral pre-paid agreement. In this situation certain spending limits are required and a Certified Preplanning Consultant from McBride Funeral Chapels can advise you on the way to place funds in trust and qualify for medical assistance.

Bank Trust Accounts
All funds received by the funeral home are placed in a 100% trust through the bank of your choice in a certificate of deposit. All interest accumulates to the account until drawn at the time of need.

We offer an extensive pre-planning service to our families. From traditional funeral services to a simple burial or cremation, we will explain the options available to you which will allow you to choose the arrangements that best suit your individual and unique needs. A discussion regarding the various details for pre-planning and pre-financing is available by appointment. A phone call to any of the chapels will place a preplanning consultant at your assistance.

Online Pre-arrangement Record
Funeral/memorial preplanning is process of personally setting out what will happen at the time of your death.  You need to gather vital biographical information for legal records and record your personal desires and instructions.

For your convenience, Hantge Funeral Chapels is providing an online Funeral Pre-arrangement Record that you can print and fill in at your leisure.

Press the Pre-arrangement form button below.