Plan Ahead Archives - Funeral Basics

Mar 10

11 Meaningful Ways to Honor Your Loved One’s Ashes

By christy.kessler Cremation, Memorial, Plan Ahead, Planning Tools

Have you considered how to honor a loved one’s ashes after their passing? In today’s world, there are so many options available, and you’re sure to find one that perfectly matches your loved one’s preferences and personality. To help you get started with choosing the best option, let’s discuss 11 meaningful ways that you can honor a loved one’s cremated remains. With the information gained, you can thoughtfully decide what’s best for your family’s specific needs.

1. Burial

Did you know that you can bury an urn? Just like a casket, you can hold a graveside service and bury an urn in a cemetery of your choosing. Additionally, many cemeteries allow you to bury an urn alongside a casket, in case two loved ones had differing burial preferences. If you wish, you can also look for a cemetery with an urn garden, where there’s a dedicated and landscaped area for urn fountains and benches.

2. Columbarium

An above-ground structure, the columbarium exclusively houses cremated remains. The columbarium is filled with niches (wall spaces) where urns are placed and interred. A bronze plaque with an epitaph will be placed on the exterior of the niche to mark a loved one’s final resting place. This is perhaps the most familiar option for cremation, aside from scattering.

3. Scattering

Scattering is the act of taking a loved one’s ashes to meaningful places and scattering them. This could be by the ocean, in the mountains, at a special place, or near home. Alternatively, you could opt for a scattering garden, which is a designated space often attached to a cemetery. Regardless of where you choose to scatter your loved one’s ashes, always review local laws and regulations first.

4. Keep the Ashes at Home

More people are starting to keep the cremated remains of a loved one at home. This option is definitely viable, but make sure you indicate in your will what to do with the ashes after your passing. Whoever handles your estate may not know about your loved one’s urn and could dispose of it unknowingly. So, if you do keep a loved one’s ashes in your home, make sure you communicate a plan for their care after you are gone.

5. Memorial Jewelry

Another popular option is to place a small amount of a loved one’s ashes in memorial jewelry. The jewelry design often includes a small interior space (like a locket) where the ashes are placed. You can choose from various styles, metals, and types (e.g. necklaces, rings, pendants, etc.). Selecting this option allows you to take a small part of your loved one with you, no matter where you go.

6. Under the Sea

For a loved one who adored the ocean, there are now options available at sea. For example, you can place an urn in an underwater mausoleum. Or you can create an artificial coral reef with a loved one’s ashes that will assist in the repair and conservation of natural coral reefs. As a memorial to your loved one, consider affixing a plaque to the artificial reef. Also, in many cases, it’s possible to be present as the reef is placed in the ocean.

7. Plant the Ashes

With the proper treatment, it is now possible to plant a memorial tree with a loved one’s ashes. With this option, you will place a special, biodegradable urn in the ground. The top section of the urn contains seeds and soil, while the bottom holds the treated ashes (making them safe for plants). Once the roots grow deep enough, they will mingle with the ashes. Speak with a trusted funeral director to learn more about this option.

8. Launch into Space

Interestingly enough, you can send a person’s ashes into space. If your loved one adored space and all its mysteries or was always looking for the next big adventure, you might consider this option. Of course, there will be regulations and stipulations to follow, but it is an option available to you.

9. Stained Glass or Hand-Blown Glass Keepsakes

Another possibility is to have the ashes of a loved one infused with glass to create beautiful pendants, paperweights, orbs, hourglasses, and other glassware. During the creation process, layers of hot glass encase the ashes. The process fuses the two (glass and ashes) together permanently. As with memorial jewelry, this option requires only a small portion of the ashes.

10. Press into a Diamond

A growing trend is to forge a loved one’s ashes into diamonds, which are made of crystallized carbon. This is possible because the second most abundant element in the human body is carbon. After the diamond-making process is complete, the family can design memorial jewelry or other items of significance to remember someone loved.

11. Memorial Stones

With memorial stones, the cremated remains are compressed into a collection of 40-80+ stones. Each stone possesses its own unique color, texture, and shape. To create the stones, the ashes are mixed with a clay-like material, shaped into stones, and then fired in a kiln. The finished stones can be placed in a garden, given to individual family members, taken to mountain peaks, or whatever else would be meaningful for your family.

As you can see, there are many ways to honor the cremated body of someone dearly loved. The most important thing is to determine which will be the most meaningful for you and your family. And keep in mind that these are only some of the options. There may be something else out there just right for you!

Jan 14

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Two girls looking at an estate sale's items

Tips for Hiring a Professional Estate Sale Company

By Rachael Ray Estate Planning, Plan Ahead

When someone you love passes away, there are many things to consider, including what to do with their house and possessions. As you walk through a loved one’s home, you may see yourself keeping a few cherished items, but you cannot see yourself keeping everything. What can you do? Consider having an estate sale!

While you could host an estate sale yourself, that can get complicated. Instead, consider hiring an estate sale company. There are many companies to choose from, so take a look at these 8 tips for hiring a professional estate sale company.

1. Choose a Company that Respects Your Wishes for Personal Involvement

As you start your search, look for an estate sale company that makes you feel comfortable with your level of control and personal involvement.

For some people, a lost loved one’s home may be out of state, which can make logistics tricky. The distance may require you to conduct your business through phone calls and virtual communication.

If that’s the case, choose a company that maintains frequent communication and is used to working with out-of-town family members. Whether you’re local or not, hiring an estate sale company that lets you be as much or as little involved as you want is worth considering.

2. Choose a Company with Good Word-of-Mouth Recommendations

To find a trustworthy business, consider asking your friends and family about their experiences with professional estate sale companies. Chances are, they’ll know someone local with whom they’ve had a good experience.

Alternatively, you could also attend local estate sales in your area and ask about the company they hired. If the heirs aren’t present, take the opportunity to speak with the company associates themselves.

Lastly, your estate sale company search can also be conducted online by reading reviews. Star ratings, photos, and testimonials allow you to discern whether the company you’re looking at is the right choice for you.

3. Choose a Company that Focuses on Your Service Priorities

Once you compile a list of potential estate sale companies, think about the services you would like to employ. You’ll want to ask yourself questions like:

Am I looking for help with pricing items?
Does staging the house feel like too much right now?
Would I prefer to oversee the sale itself, or would I rather be absent from it?
Would I prefer the company to advertise the estate sale?
How do I want to handle negotiations with buyers?
Do I have any specialty items that require attention?
Would I prefer the company to handle any leftover items that aren’t sold?

As you answer these questions, you’ll hone in on your own priorities and can hire a company that takes those priorities seriously.

4. Choose a Company that Fits Your Budget

After figuring out which services you need, ask yourself how much you are willing to spend on an estate sale company. Making a budget is a smart way to keep your costs within your means.

Ask each company for their pricing, their commission percentage, and their fees. This way, you can easily compare each company’s offerings and pricing. However, keep in mind that you get what you pay for. Some companies may charge a higher rate but have a better understanding of the practice and market. On the other hand, some companies could charge a lower rate and have less experience and fewer connections. Always weigh the pros and cons before deciding whom to hire.

5. Choose a Company that Takes a Reasonable Commission

Once you have decided on your service priorities and an estimated spending range, consider the commission percentage the company will require. Keep in mind that since you have decided to hire an estate sale company, the profit you receive will be lower than if you choose to host the sale yourself.

Feel free to ask the companies you contact for price quotes and explanations behind their commission percentage. A trustworthy company will be transparent about their rates before you hire them. As stated in the previous tip, some companies may feel comfortable asking for a higher rate due to their experience and knowledge in estate sales.

6. Choose a Company that Meets Your Schedule

Your day-to-day life comes with numerous responsibilities, so you’ll want to choose a company that is flexible and can accommodate your schedule. Feel free to pull out your weekly calendar and suggest dates and times that are convenient for you.

As you start to coordinate meetings and the logistics of the estate sale, ask yourself these questions. When do you have time to meet with the companies you’re considering? How much time will it take to review everything you wish to sell? How long does the estate sale company expect the entire process to take?

You don’t want to feel rushed for time when working with an estate sale company, and a good company won’t try to hurry you.

7. Choose a Company that Helps You Decide What to Keep

When coordinating an estate sale, you must start thinking about what you would like to keep from your loved one’s estate. Once you’re done looking through your deceased loved one’s belongings, a good estate sale company will carefully review each item and help you price everything efficiently.

If you’re curious about a particular item’s value, they’ll also be able to help. These professionals are trained to look at and appraise items for a fair and reasonable amount.

8. Choose a Company with Consignment or Donation Opportunities

Once your estate sale concludes, you will likely have items left over that did not sell. That’s why it’s important to choose a company that has a plan for unsold items. Do they price items for consignment or offer to drop off the remaining items at a local donation center? Ask the company about their policies and offerings so you know what your responsibilities will be after the estate sale is over. This way, there are no loose ends following the estate sale.

Making a Decision

Hopefully, these tips will help you as you decide whether or not to hire an estate sale company to assist you with clearing out a loved one’s home after their passing.

By choosing a trustworthy and reliable estate sale company, you can rely on experts to take care of everything. They will appraise estate items appropriately, stage the house, and share extensive knowledge of the estate sale process with you. Not only will the estate sale conclude smoothly, but an incredible emotional weight will be lifted off your shoulders.

Whether you choose to hire an estate sale company or do it yourself, consider exploring these additional resources for more information.

Pros and Cons of Using a Professional Estate Sale Company

11 Tips for Planning a DIY Estate Sale

Dec 29

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Man and woman greeting each other with a handshake in a professional setting

What to Expect at a Funeral Arrangement Conference

By christy.kessler Plan Ahead, Planning Tools

None of us are ever truly prepared to lose someone we love. Whether the loss comes suddenly or has been long expected, numbness and shock are common in the first two days, which is usually when the funeral arrangements are made. To help ease the burden you may feel so soon after a loss, it’s helpful to know what to expect when you head into an arrangement conference. Preparing ahead of time will help ease your mind and prepare your thoughts.

What is an Arrangement Conference?

An arrangement conference is a time specifically set aside to meet with a funeral director and discuss final disposition and the details of a meaningful tribute. Additionally, it’s an opportunity for the funeral director to get to know you better and learn how to best honor your loved one.

Dr. Alan Wolfelt, a nationally respected grief author and counselor, says that the funeral ritual is incredibly important for our individual grief journeys. He says, “Rich in history and rife with symbolism, the funeral ceremony helps us acknowledge the reality of the death, gives testimony to the life of the deceased, encourages the expression of grief in a way consistent with the culture’s values, provides support to mourners, allows for the embracing of faith and beliefs about life and death, and offers continuity and hope for the living.”

With this goal in mind, the arrangement conference gives you and the funeral director time to create a meaningful and healing funeral service. Most arrangement conferences take place in the funeral home, but if you are traveling from a long distance or can’t make it to the funeral home in person, you may also be able to work with your funeral director over the phone and via text, email, or other digital options.

What are the Main Objectives?

There are three main objectives for your time with the funeral director during the arrangement conference.

Gather the vital information of the person who died (full name, SSN, birthdate, etc.), which the funeral director will then use on your behalf to request death certificates and file for veterans’ burial benefits (if applicable) and life insurance claims.
Make your wishes known about how you want to remember and honor your lost loved one.
Select the most fitting funeral, cremation, and burial options.

Typically, the conference takes 2-3 hours on the day of or the day after a death. The funeral director will guide you through the available funeral service and memorial options, music selections, coordination with a church and cemetery (or other desired location for the service), and much more.

What Questions Should You Consider in Advance?

The funeral director is your partner and your guide throughout the funeral planning process. They have the experience and the knowledge needed to help you make informed decisions. Even though you will get thorough explanations from the funeral director, it’s a good idea to come to the arrangement conference having considered a few key questions:

Where and when should the services be held?
Do you want to publish an obituary? If you do, who will write it? Where will you publish it?
In lieu of flowers, do you want to offer charitable contributions as an option for sympathy gifts?
Have you chosen a cemetery or other final resting place?
Do you need assistance with selecting a monument or grave marker?
What kind of funeral service is most appropriate? Simple? Elaborate? Public? Private? Religious?
What would you consider to be the best way to honor and memorialize your lost loved one?
Should there be a viewing, visitation, funeral service, or committal service?
If there is a service, who will participate? Musicians, speakers, pallbearers?
Do you want floral arrangements present, and if so, what kind?
Will the final disposition be burial, cremation, or another type of interment?
Will the body be present at the funeral or memorial service?
If applicable, open or closed casket?
Do you know someone who will act as officiant, or will you need the funeral home’s assistance in finding one?

What Should You Bring?

The more information you bring, the smoother the meeting will be (and the less documentation you will need to bring back later). To help you prepare, print and review this Funeral Arrangement Conference Checklist. The list is fairly comprehensive and gives you an excellent place to start. However, please note that the funeral home may ask you for something not included.

Additionally, the funeral home might also reach out to you before the arrangement conference to start planning digitally. Completing some information ahead of time means that the focus of the in-person meeting can be about planning a meaningful, personalized service for your loved one.

Some Final Tips

First of all, prepare as much as you can ahead of time. You can gather necessary documents, clothing and personal items, details for the obituary, and photos to be used in the service ahead of time.

Secondly, don’t feel rushed during the conference. Remember, the funeral director is there to help you with all your needs and is ready to serve you fully.

Thirdly, ask as many questions as you need. As you plan a tribute for your loved one, the funeral director is there to be a knowledgeable and available partner in a difficult situation. Make use of their experience and ask as many questions as you want.

Finally, take notes. You will receive a lot of information during the arrangement conference, and it’s unlikely you will be able to remember it all. Take a notepad (or a friend) with you and make sure to write things down.

Hopefully, you now feel a little more prepared for an arrangement conference and can go into the meeting with confidence!

One Last Thought

After planning a funeral for a loved one, you know how hard it can be. Instead, here’s a pro tip: If you’d like to make the planning process easier for your own family in the future, consider the benefits of preplanning. With a prearranged funeral plan already in place, your family won’t have to answer dozens of questions while under a cloud of stress and grief. Instead, with your wishes in hand, the arrangement conference will go very smoothly. Often, the only question left to answer is the date and time for the service to be held!

To learn more about funeral preplanning, check out these resources:

Dec 10

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Young woman in pink sweater and glasses sitting at home and going over her estate plan

Avoid These 6 Estate Planning Misconceptions

By christy.kessler Educational, Estate Planning

A 2025 survey found that only 31% of Americans have a legal will and 55% of Americans have no estate plan at all. These figures tell us that most American families are unprotected and unprepared regarding legal matters should an unexpected death occur in the family.

You may be asking, “But what is an estate plan?” An estate plan refers to many documents, including but not limited to a legal will, a living will, a financial or healthcare power of attorney, and a trust. A combination of these documents will make up a person’s estate plan.

So, why aren’t Americans completing an estate plan? Let’s talk through 6 misconceptions around estate planning that lead many families to de-prioritize the planning process and create unintentional confusion and headaches for surviving family members.

Reason #1: “An estate plan is only for senior adults”

In many ways, estate planning has become associated with advanced age. Because senior adults (65+) have lived longer, worked longer, and often accumulated more wealth, the general thought is that they are more likely to need an estate plan.

However, a 20-something who’s just starting out has just as much need for estate planning documents as an 80-year-old at an assisted living facility. Why? Because both people have assets, possessions, and online accounts tied to their names.

Without a clear estate plan, both the family of the 20-year-old and the 80-year-old will have difficulty untangling an estate. In some ways, the 20-year-old’s estate may be harder. After all, the 80-year-old may have verbally conveyed some wishes while the 20-year-old probably never considered it. So, regardless of age, it’s always a good idea to have a plan for your estate.

Reason #2: “An estate plan is only for the wealthy”

Next, you may think that estate planning is only for the wealthy. While the wealthy do have more assets and properties to distribute, estate planning is not dependent on having a specific amount of wealth. In many ways, estate planning is about more than money.

It’s about the family heirlooms, the sock drawer money, the paid-off car, and the house you’ve lived in for years. Whether you have $100 to your name or $1 million, your family needs direction and guidance to understand your wishes and ensure that the right people inherit and receive what you want them to receive.

Reason #3: “Estate planning will be too expensive”

The cost of estate planning ultimately rests in your hands. While there are expensive options out there, you can choose an estate planning route that comes with minimal cost.

For those who have a complicated estate, it may be worthwhile to get in contact with an estate planning attorney who can help you walk through all the details. However, for those with uncomplicated, straightforward estates, you can complete basic estate planning documents for a nominal fee.

And if you prefer to work directly with an estate planning attorney no matter what, you can call around until you find a firm or attorney that fits into your budget and meets your needs.

Reason #4: “I have plenty of time”

Most of us don’t spend much time actively thinking about our mortality. It’s something we tend to avoid thinking about, which is why so many people assume they have plenty of time to complete an estate plan.

But the fact is that none of us know the length of our days. More than likely, all of us can name someone who died much too early or quite unexpectedly. Rather than leave things to chance, take charge and make decisions today.

By outlining your estate planning wishes now, not only will you have peace of mind that everyone you love is taken care of, but the people you love can experience incredible assurance that you’ve considered everything and made plans for the future.

Reason #5: “I don’t need an estate plan”

For some, you may think you don’t need an estate plan. Maybe you live paycheck to paycheck or you’ve never been able to buy a home or invest in anything. You’re not alone! According to a report put out by PNC Bank, around 67% of workers are living paycheck to paycheck.

While your financial situation may make it seem like you don’t need an estate plan, that’s not the case. Even if your financial assets are minimal, there are still many end-of-life concerns that need your input.

Let’s discuss a few examples. A legal will allows you to designate a guardian for any minor children or pets. A living will encourages you to outline your wishes regarding life-saving medical care. A power of attorney gives your chosen representative the ability to make decisions if you become incapacitated, including paying your bills, making medical decisions, and accessing your online accounts.

Whether you have monetary assets or not, you do have many reasons to complete an estate plan and ensure your wishes are known.

Reason #6: “I’ve never thought about it”

And lastly, it could be that you just haven’t thought about estate planning at all. It could be because you don’t feel you qualify, but it could also simply be not knowing. In life, we don’t know what we don’t know.

So, consider this your public service announcement: An estate plan matters, and by putting one together (no matter your financial situation), you will make closing your estate and distributing your assets and heirlooms much easier on your family during a time of grief.

So, What’s Next?

Now that you understand why estate planning matters and that it applies to you, how do you get started?

Download our free estate planning checklist (download here)
Make an appointment with an estate planning attorney
Look into community and online resources

11 Reasons Why You Should Start Estate Planning Now

By christy.kessler Educational, Estate Planning

Far too often, estate planning stays at the bottom of the to-do pile, and because of that, surviving family members are left with an estate to untangle and questions to answer. For some families, the lack of an estate plan can lead to years of court appearances and loss of money. But it doesn’t have to be that way. Today, let’s talk about 11 reasons why estate planning is useful and why you shouldn’t put it off.

11 Reasons Why You Should Start Estate Planning Now

First, let’s define “estate plan.” An estate plan is the process of anticipating and managing financial, medical, and guardianship issues that will arise after your death or if you become incapacitated. Think of estate planning as a road map for your family, giving them a clear vision of how to care for your health, possessions, assets, children, pets, and more.

The most common estate planning documents to consider are the financial power of attorney, medical power of attorney, living will, legal will, revocable living trust, and funeral plan.

Not every reason on this list will apply to you, but if even one reason connects to your life, then it may be time to put together an estate plan.

1. Protect Your Minor Children

If you have children under 18, an estate plan can be essential for their care if something should happen to you. By completing certain documents, you can designate a guardian and set aside an inheritance for your children’s future. Without a plan in place, children may go through foster care or experience a period of instability on the way to a permanent home. By completing a few documents, especially a legal will, you can provide for your children if anything unexpected occurs.

2. Outline Future Care for Pets

Pets are family members, too, and to guarantee their well-being after your passing, you can include them in your legal documents. When a pet’s care is left unaddressed, it’s possible that they may be dropped off at a shelter or humane society rather than taken in by a loving family. To protect your pet’s future, consider taking steps to ensure that they go to a happy and healthy home should anything happen to you. To learn more, read Protect Your Pet: 4 Steps to Create an Estate Plan for Your Pet.

3. Minimize or Prevent Family Disagreements

All of us know that money can make people a little bit crazy. Sometimes it’s easy to tell who will cause problems, and other times, it’s not. By putting together an estate plan, you can significantly minimize or completely prevent any squabbles amongst your surviving loved ones. An estate plan will clearly outline your wishes regarding who gets what, when they get it, who’s in charge, and more. And because the documents are legally binding, any difficult people will have to go along with it.

4. Specify How Your Assets Should Be Distributed

You might say, “I don’t have a lot of money. Why do I need a will?” The word “assets” refers to much more than just money. It’s your car, your house, your accounts, and your cherished heirlooms, to name a few. All of these items belong to you, and you should be the one deciding what happens to them after you’re gone. If you don’t have an estate plan, it’s often up to state law to determine what happens, and your family may or may not benefit. By completing a few documents now, you can ensure everything goes to the right people.

5. Avoid Probate Court and Preserve Privacy

For some families, a revocable trust may be an excellent option because it allows you to skip the costly and time-consuming probate court process. At probate court, the legal will is authenticated, and a plan is set to pay bills and taxes before distributing to the rightful heirs. Depending on your state, it can be a complicated process, especially if someone decides to oppose the will. However, with a trust, you can completely avoid probate court and appoint your own executor, who will take care of everything privately and out of the public eye.

6. Choose a Trusted Estate Executor

An executor is the person who carries out the desires and directives you’ve written in a legal will. You can designate someone you trust as executor, but if you don’t have a legal will, everything will fall to the state. The state-appointed executor will then decide what to do with your assets and property. While they will follow state law, the end results may not benefit your family. However, by completing an estate plan and choosing an executor, you can avoid this unnecessary complication.

7. Manage or Minimize Estate Tax Issues

Another reason to set up an estate plan is to manage or minimize taxes associated with state/federal estate tax laws or inheritance laws. Without a plan, these taxes could significantly affect what’s left for your heirs. However, you can reduce the tax on your overall estate when your estate plan is properly structured. It’s best to speak with an estate planning attorney to discuss the right options for your particular estate. With their help, you may be able to legally avoid expensive taxes that can negatively impact your estate.

8. Document your Medical Care Wishes

Not to be confused with a legal will, the living will is a document that outlines your medical care wishes should you become incapacitated. In this document, you provide guidance on which medical procedures you are okay with and which you aren’t. For example, some people may include DNR (do not resuscitate) orders in their living will. The biggest benefit to completing a living will is that you provide family members and doctors with a comprehensive understanding of your wishes so they can make decisions appropriately.

9. Avoid a Guardianship Appointment

A power of attorney (POA) allows a designated representative to legally act on your behalf. This means that they can make financial or medical decisions, pay bills, and sell property, to name a few. However, if you become incapacitated and don’t have a POA, it’s possible that no one (including your spouse) will be able to act for you. In this event, the court must appoint a guardian for you, which can be an expensive and lengthy process. However, with a POA in place, your loved ones can make decisions on your behalf with ease.

10. Arrange for Charitable Gifts

If you’d like to support an organization or charity by leaving a charitable gift (or bequest), then you’ll want to use your estate plan to set everything up. There are ways to designate certain finances to go to a specific organization, and when properly structured, you can do so without losing much to taxes. If you plan to give a large amount or would like to create a new scholarship fund at an institution, reach out to the organization itself first. Their knowledgeable staff will help you navigate all the steps.

11. Give Everyone Peace of Mind

And last but certainly not least, completing an estate plan will give you – and your survivors – peace of mind. Creating an estate plan takes time and can be a bit stressful. Imagine having to do everything after a loved one has already passed away and can no longer answer questions or give opinions. It’s one more stress added to an already difficult time of loss. Instead, by putting in the work now, you can give everyone peace of mind and remove a future burden from your loved ones’ shoulders.

Why Is It Important to Plan Now?

In short, the most compelling reason why you should start putting your estate plan together now is that none of us know the length of our days. For many of us, it will be decades before there’s even a hint of a health problem. But for some, an accident or a diagnosis can come without warning and much too early.

Because the future is unknown, take the time now to protect your children, your pets, and your assets. Without your forethought, there’s no telling what may happen after you’re gone. It’s never too early to put together an estate plan, but it can be too late.

To begin preparing a comprehensive estate plan, make an appointment with a local estate planning attorney or look online for resources in your area. While it will take time to put everything together, your family will be so grateful in the end.

Additional Estate Planning Resources

DISCLAIMER: Individual circumstances and state laws vary, so any estate planning should only be undertaken with the help and assistance of an attorney licensed in your state.

Oct 10

Love0

Man and woman looking at computer and reviewing policies

Life Insurance and Funeral Expenses: What You Need to Know

By christy.kessler Estate Planning, Plan Ahead

Many families plan to pay for a funeral with life insurance benefits. Sounds like a simple plan, doesn’t it? The truth is, there can be many unexpected complications with life insurance policies. Let’s talk about it.

What Could Go Wrong with a Life Insurance Policy?

If you are thinking about using a life insurance policy to pay for a funeral, it’s important to understand what factors could complicate the process. Here are a few things (though the list is not comprehensive) that could prevent or delay you or your family from accessing life insurance funds in time to pay for a funeral:

The policy is no longer valid (for various reasons) and has now lapsed
The beneficiaries named are no longer living (and new ones must be determined, possibly by state law)
The policy may have a lien on it
The date of death or cause of death could limit the payout
An ex-spouse or a minor was named as a beneficiary
The funds are insufficient to cover all end-of-life expenses
The policy isn’t assignable (more on this later)

Any of these “red flags” could prevent you from using an insurance policy for funeral expenses. But even if the policy is problem free, it may take 6 to 8 weeks to receive payment. In most cases, that’s long after the funeral has taken place.

Does the Life Insurance Policy Sufficiently Cover All End-of-Life Expenses?

If you are thinking about using a life insurance policy to pay for funeral expenses, another question to consider is, “Did the policyholder opt for an insured amount that would be enough to cover all end-of-life expenses as well as replace income?” In other words, is there enough money to cover all expenses AND help the surviving family?

Aside from funeral expenses, there will be many things to pay for after a loved one’s passing. Were there any credit card or medical bills, mortgages, or vehicle notes to pay off? Has the family lost a primary income and the life insurance money can help them stay afloat until that income can be replaced?

If these additional expenses weren’t considered when the policy was taken out, the family may have a hard time covering all the potential costs.

What Can You Do to Avoid Life Insurance Complications?

Here are a few solutions that may help you avoid future complications with life insurance at the time of death:

Review and Update Insurance Policies Regularly

If you plan to use life insurance benefits to cover funeral costs, check the policy to make sure it is still valid and update it as your life changes. If you have any questions, an elder law attorney can help you identify any concerns in your policies and assist you in correcting them. Or, if you are already in the midst of planning a funeral for a loved one, the funeral home can help, though the life insurance company will have more specific answers about the policy.

Make Sure the Policy is Assignable

To make it easier to use a life insurance policy for funeral expenses, make sure that the policy is designated as “assignable.” This means that you can sign the benefits over to a third party who will file the claim on your behalf (usually the funeral home or an assignment company). The type of policy you signed up for and the life insurance company determine whether a policy is assignable.

Funeral homes generally accept a life insurance policy in lieu of payment for a funeral, though it’s best not to assume that they will. Remember, if they do accept a policy as payment, it must be assignable. If the policy is not assignable, it’s unlikely a family can use life insurance to cover funeral costs because it can take 6 to 8 weeks to process a claim. By that time, most funeral services are already complete.

Resolve Any Issues Before Death Occurs

It can be difficult and complicated to deal with a loved one’s financial assets after their passing. If there is no legally stated heir, the courts will likely probate the estate. When an estate is probated, it means that the court system must approve the validity of a last will and testament and confirm the appointment of an executor. This court procedure can sometimes be lengthy and incur additional costs. It’s much easier for heirs to inherit if there’s a legal will and up-to-date beneficiary information on any insurance policies.

Consider Preplanning Your Funeral

Another way you can help your loved ones is by planning the details of your funeral in advance. When family members are grieving, it can be hard to make decisions. Sometimes there is a tendency to overspend because people want “only the best” for Mom or Dad. But if the family knows your specific wishes, they can hone in on those and potentially save hundreds or even thousands of dollars, which means there will be more life insurance funds leftover to pay for other expenses.

To take it one step further, you can set up a prepaid funeral plan. Essentially, this is a funeral insurance policy, intended to pay for funeral expenses specifically. A funeral insurance policy offers several surprising benefits above and beyond what a life insurance policy can do. Plus, with a funeral insurance policy, you can protect life insurance funds for their true intention – helping the grieving family financially after the loss of a loved one.

To learn more about the benefits of a prepaid funeral plan, check out the chart below.

Next Steps

Some funeral homes offer payment options, but it’s always ideal to determine your plan before tragedy strikes. With a plan in place, you can alleviate the financial stress your loved ones may feel on one of the hardest days of their lives.

Whether you choose to use a life insurance policy or a funeral insurance policy, do a little research. With information in hand, you can do what’s best for your family. Also, remember that a trusted funeral director is a great resource! They’ve seen families use life insurance polices and funeral insurance policies to pay for funeral expenses and can provide expert insight into the pros and possible cons of each.

Jul 12

Love0

Wooden urn with cross on top, surrounded by purple flowers

Water-Based & Flame-Based Cremation: What’s the Difference?

By christy.kessler Cremation, Explore Options, Plan Ahead

For decades, flame-based cremation has been the norm across the country, but in recent years, a new form of cremation has begun to spread – water-based cremation. With this new option, you may have questions. How does water-based cremation work? How is it different from flame-based cremation? Is there a cost difference? What about the environmental impact? Today, let’s discuss the key differences between these two forms of cremation so you feel better prepared to make decisions when the time comes.

Let’s Define Both Forms of Cremation

In general, cremation is the process of breaking down the soft tissue of the body, leaving behind only the skeleton. This remaining bone is then processed through specialized equipment that creates a fine consistency commonly called “ashes” (or “cremains”). Regardless of which form of cremation is chosen, the end result is that a loved one’s ashes will be returned to the family with respect and dignity.

Flame-Based Cremation

Also called “fire cremation,” “traditional cremation,” or just “cremation,” flame-based cremation uses heat and direct flame to reduce the body to ashes. The body is placed in a cremation retort where natural gases, such as propane or butane, are used to burn the body for approximately 2-4 hours.

Temperatures often reach 1,400-1,800 degrees Fahrenheit, and the crematory operator may use a long shovel to reposition the body throughout the cremation process. This repositioning ensures that the body reduces more quickly.

Once the cremation process is complete, the remaining bone is removed from the cremation retort and processed into ashes using a cremulator. The ashes are then returned to the family, who can have a memorial service, place the ashes in a final resting place, or take them home.

Water-Based Cremation

Water-based cremation also goes by other names, such as “water cremation,” “aquamation,” “alkaline hydrolysis,” or “bio-cremation.” Water cremation uses a combination of water and alkali salts in conjunction with low heat to reduce the human body to bone.

To begin, the body is placed in a completely sealed chamber. Then, approximately 27 gallons (100 liters) of water and a small amount of alkaline chemicals are used to fill the chamber. Once filled, the chamber is gently heated (200-350 degrees Fahrenheit) and agitated to encourage decomposition. Over the next 4-16 hours, the soft tissue of the body is dissolved and all that remains is bone. (The range of 4-16 hours depends on the temperature and pressure used by the crematory operator.)

As with flame-based cremation, the bones are then finely processed into ashes and returned to the family. The remaining liquid byproduct is sterile, so it can be discarded easily and safely.

Next, Let’s Talk about Environmental Impact

As with any form of final disposition (burial, water cremation, fire cremation, burial at sea, etc.), there’s going to be some form of impact on the environment.

Flame-Based Cremation & the Environment

Between the two, flame-based cremation does impact the environment more. The use of larger amounts of propane/butane to achieve high heat releases carbon dioxide into the environment. Also, other pollutants, like the mercury from dental fillings, can contaminate the air. While newer technologies and facilities have been put in place to capture and filter out mercury, it’s still possible that emissions will occur.

One way to reduce the emissions released by flame-based cremation is to use an alternative container (made of cardboard) instead of a casket during the cremation process. It takes more energy and fuel to burn the casket in comparison to an alternative container. To learn more about cremation caskets, read “A Quick Guide to Cremation Caskets.”

Water-Based Cremation & the Environment

With water-based cremation, greenhouse gases are still released into the environment, but on a smaller scale. By using less energy and lower temperatures, water cremation produces fewer of these types of emissions. Additionally, there’s no risk that pollutants will be released into the atmosphere. For example, the alkaline mixture effectively neutralizes and captures any mercury present in the body. Also, medical implants can be recycled, when possible.

Now that you have a better understanding of each cremation process and its individual impact on the environment, let’s talk through several other differences.

Is there a Cost Difference?

Yes, there is a cost difference. At this time, fire cremation is generally more affordable because many funeral homes already have access to the equipment and infrastructure needed. Because water-based cremation takes longer and requires equipment that may not be readily available in your area, it typically costs more.

In the coming years, as water cremation becomes more accessible, the cost may align more closely with flame cremation. If you are interested in water cremation, speak with your preferred funeral home. You can compare the costs of the two types before choosing how you’d like to proceed.

What Alkaline Chemicals are Used in Water Cremation?

The solution used is water (95%) blended with an alkali solution of potassium hydroxide and/or sodium hydroxide. Potassium hydroxide and sodium hydroxide accelerate the natural decomposition process that would occur in soil over many years.

Is there a Difference in the Ashes Received by the Family?

There is! With flame-based cremation, ashes are often gray or gray-white in color, coarser to the touch, and may contain visible bone fragments. The intense heat causes chemical changes in the bone’s composition, which results in the gray color and coarse texture.

Due to the lower temperatures and alkaline solution used, the bone goes through a more consistent breakdown with water cremation. Consequently, the ashes are whiter in color and smoother in texture.

Despite the visual differences, both types of ashes are composed of the same material: calcium phosphate. The fundamental composition is so similar that both types of remains can be handled, stored, and memorialized in identical ways.

What is the Availability for Each Form of Cremation?

Flame-based cremation has been an accepted practice for many years and is readily accessible and available in all states. On the other hand, water cremation is relatively new and not available in all states. However, given time, water cremation may become as prevalent as fire cremation. Click here to learn your state’s stance on water cremation.

What’s Next?

Now that you understand the differences, the next questions to ask yourself are: What’s my preference? Is it available at my preferred funeral home or in my state/area?

The best person to help you understand your local options is your trusted funeral professional! Both cremation methods come with pros and cons, and meeting with a funeral professional can make all the difference. They can help you evaluate and understand the choices available so you can make an informed decision that aligns with your values and meets your needs.

Apr 16

Love0

Spray of white flowers resting on a casket covered in an American flag

Test Your Knowledge about Veterans’ Burial Benefits

By christy.kessler Plan Ahead, Veterans

Among veterans, there are a lot of misconceptions about veterans’ burial benefits. How much does the VA pay toward a veteran’s funeral? Which benefits is my spouse eligible to receive? What are the eligibility requirements?

This confusion is understandable. Most service men and women don’t really get a good explanation of what burial benefits they are eligible for due to their service in the Armed Forces. Some veterans assume they know what they will receive, and they plan based on misconceptions. Unfortunately, at the time of death, these misconceptions can make a difficult time even more complicated for surviving family members.

Today, take a moment to test your knowledge of veterans’ benefits by reviewing the questions below.

Spray of white flowers resting on a casket covered in an American flag

Will the Department of Veterans Affairs (VA) pay for a veteran’s funeral in full?

No, the VA will not pay for a veteran’s funeral in full. This applies to both cremation services and traditional funerals. However, the VA does provide a specified amount, called a burial allowance. The burial allowance amount varies based on several factors, including whether or not the death was service-related, if the veteran was hospitalized at the VA, when the death occurred, and where the veteran has chosen to be buried.

Am I automatically eligible for burial benefits simply because I was once in the Armed Forces?

No, there are eligibility requirements that a veteran must meet to qualify for burial and funeral benefits.

Will my family receive funds from the government in advance of the funeral?

In most cases, your family will receive a reimbursement from the VA. Your family should keep track of all receipts and submit them, along with an application, to the VA. Once the application is processed and approved, your family will receive the determined reimbursement.

Bugler in uniform saluting in a national cemetery

Are there cases where the VA pays nothing toward a veteran’s funeral?

Yes. A veteran is not eligible for standard burial benefits if they 1) received a dishonorable discharge, 2) died during active military service (where different regulations apply), 3) were a member of Congress and died while holding office, or 4) were a federal prisoner.

If a spouse predeceases the veteran, can that spouse be buried at a national cemetery?

As a matter of fact, yes, the spouse can (this must be a legal spouse and does not apply to any former spouses). This benefit applies to a living veteran’s dependents as well.

Who is eligible for burial in a national cemetery?

With some restrictions and eligibility requirements:

Veterans and members of the Armed Forces (Army, Navy, Air Force, Marine Corps, Coast Guard, Space Force)
Members of Reserve Components and Reserve Officers’ Training Corps
Commissioned Officers from both the National Oceanic and Atmospheric Administration and the Public Health Service
World War II Merchant Mariners
Some Philippine Armed Forces veterans
Spouses and dependents of veterans
Parents of veterans
Others who receive specific approval from the Secretary of Veterans Affairs

Can you reserve a national cemetery gravesite in advance?

You cannot select a specific gravesite plot, but your family can complete advance funeral planning arrangements. The benefit to advance planning is that when the death occurs, the VA merely re-verifies any previously submitted documentation. The surviving family does not need to contact the VA directly, but instead, can work in partnership with their chosen funeral home to plan a meaningful service.

What does the VA provide for veterans buried in a national cemetery?

Burial in any open VA national cemetery is available to eligible veterans. This includes, at no cost to the family:

Opening/closing of the grave
A grave liner
Perpetual care of the gravesite
Headstone or marker

Additionally, veterans are also eligible for a burial flag and the Presidential Memorial Certificate.

Folded American flag sitting on a closed casket

What does the VA provide for veterans buried in a private cemetery?

Eligible veterans may receive a burial allowance as well as a government-issued headstone (or marker or medallion), a burial flag, and a Presidential Memorial Certificate. However, any spouses or dependents buried in a private cemetery receive no benefits.

Does the VA pay for cremation services?

Not specifically, but they do provide a burial allowance for eligible families. The family pays for any funeral costs (including embalming, a memorial service, a casket or an urn, etc.) at their own expense. Then, the family can apply for the burial allowance reimbursement to help toward the overall cost, if eligible.

Both cremated and casketed remains buried or inurned at a national cemetery receive the same honors. As with a traditional funeral, the VA will provide a space for burial or inurnment, perpetual care, a marker, a burial flag, and a Presidential Memorial Certificate.

Does the VA provide burial at sea?

No, they do not, but you can contact the United States Navy Mortuary Affairs office toll-free at 1-833-330-6622 with questions.

Six American flags waving in the breeze against a blue sky

What is the Avenue of Flags?

In some national cemeteries, the Avenue of Flags (or the Avenue of Remembrance) is an everyday feature, while in others, it is reserved for special days of the year (like Veterans Day or Memorial Day). Flags upon flags line the main pathways of the cemetery, each one representing and honoring a life lived in service to the United States.

In many cases, the flags flying are burial flags. On the day of a veteran’s funeral, the family receives a burial flag, and some families choose to donate the flag to the cemetery to honor their loved one’s memory. The flags create a solemn and reverent atmosphere for those who served our country well. Contact the national cemetery of your choice to ask questions about donating a flag.

How many answers did you get correct? Hopefully, you’ve learned something you didn’t know and can adjust your plans with that knowledge.

For more information about veterans’ burial benefits, check out the resources below.

5 Key Veteran Burial Benefits You Should Know
Everything You Need to Know About Government-Issued Veteran Headstones
A State-by-State Guide to National Cemeteries for Veterans
Veterans’ Burial Benefits Checklist
Top 4 Misunderstandings Around Veterans’ Burial Benefits
Why Should Veterans Plan Ahead?

Mar 24

Love0

Large, beautiful tree in a national cemetery

A State-by-State Guide to National Cemeteries for Veterans

By christy.kessler Cemeteries, Explore Options, Plan Ahead, Veterans

Did you know that many veterans and their dependents are eligible for free burial in a national cemetery? It’s true! While there are eligibility requirements, the National Cemetery Administration maintains 156 national cemeteries in 42 states and Puerto Rico. If you are interested in burial or inurnment at a national cemetery, it’s a very real option for you!

A Few Things to Keep in Mind

Here are a few things to keep in mind if you decide to pursue this veteran benefit:

In order to qualify, you must meet the VA’s eligibility requirements and only eligible dependents (such as a spouse) may be considered for burial in a national cemetery.
Your preferred cemetery may not have space available. If that’s the case, reach out to secondary locations or look into a state veterans cemetery instead. Your chosen funeral director can help you better understand the options available to you.
Some national cemeteries are closed to new interments unless you are related to a veteran or spouse already buried there. For example, if your veteran spouse is already buried there, you as the dependent spouse can request burial in the same cemetery even if it’s not open to new interments. The cemetery may not be able to accommodate you, but it doesn’t hurt to ask. In many cases, they can accommodate.
There are several states currently without a national cemetery. They are Connecticut, Delaware, New Hampshire, Rhode Island, and Vermont. New national cemeteries are currently under construction in Utah and Nevada, and each one will be the first national cemetery in its state.

With this information in mind, here’s a listing of the national cemeteries across the United States that are still open to new interments. If you are interested in funeral preplanning, the VA can work with you and your chosen funeral home to get your plans in place.

National Cemeteries Across the United States

Prescott National Cemetery – Prescott, AZ (cremation only)

Arkansas

Fayetteville National Cemetery – Fayetteville, AR

Fort Smith National Cemetery – Fort Smith, AR

California

Bakersfield National Cemetery – Arvin, CA

Los Angeles National Cemetery – Los Angeles, CA (cremation only)

Miramar National Cemetery – San Diego, CA

Riverside National Cemetery – Riverside, CA

Sacramento Valley National Cemetery – Dixon, CA

San Joaquin Valley National Cemetery – Santa Nella, CA

Colorado

Fort Logan National Cemetery – Denver, CO

Fort Lyon National Cemetery – Las Animas, CO

Pikes Peak National Cemetery – Colorado Springs, CO

Florida

Barrancas National Cemetery – Pensacola, FL

Bay Pines National Cemetery – St. Petersburg, FL (cremation only)

Cape Canaveral National Cemetery – Mims, FL

Florida National Cemetery – Bushnell, FL

Jacksonville National Cemetery – Jacksonville, FL

Sarasota National Cemetery – Sarasota, FL

South Florida National Cemetery – Lake Worth, FL

Tallahassee National Cemetery – Tallahassee, FL

Georgia

Georgia National Cemetery – Canton, GA

Hawaii

National Memorial Cemetery of the Pacific – Honolulu, HI

Idaho

Snake River Canyon National Cemetery – Buhl, ID

Illinois

Abraham Lincoln National Cemetery – Elwood, IL

Camp Butler National Cemetery – Springfield, IL

Danville National Cemetery – Danville, IL

Fort Sheridan National Cemetery – Sheridan, IL (cremation only)

Mound City National Cemetery – Mound City, IL

Rock Island National Cemetery – Rock Island, IL

Indiana

Crown Hill National Cemetery Annex – Indianapolis, IN (cremation only)

Marion National Cemetery – Marion, IN

New Albany National Cemetery – New Albany, IN (cremation only)

Iowa

Keokuk National Cemetery – Keokuk, IA

Kansas

Fort Leavenworth National Cemetery – Fort Leavenworth, KS (cremation only)

Fort Scott National Cemetery – Fort Scott, KS

Leavenworth National Cemetery – Leavenworth, KS

Kentucky

Camp Nelson National Cemetery – Nicholasville, KY

Lebanon National Cemetery – Lebanon, KY

Mill Springs National Cemetery – Nancy, KY

Louisiana

Louisiana National Cemetery – Zachary, LA

Port Hudson National Cemetery – Zachary, LA (cremation only)

Maine

Acadia National Cemetery – Jonesboro, ME

Maryland

Baltimore National Cemetery – Baltimore, MD (cremation only)

Massachusetts

Massachusetts National Cemetery – Bourne, MA

Michigan

Fort Custer National Cemetery – Augusta, MI

Great Lakes National Cemetery – Holly, MI

Minnesota

Fort Snelling National Cemetery – Minneapolis, MN

Mississippi

Biloxi National Cemetery – Biloxi, MS

Corinth National Cemetery – Corinth, MS

Natchez National Cemetery – Natchez, MS

Missouri

Jefferson Barracks National Cemetery – St. Louis, MO

Springfield National Cemetery – Springfield, MO

Montana

Yellowstone National Cemetery – Laurel, MT

Nebraska

Fort McPherson National Cemetery – Maxwell, NE

Omaha National Cemetery – Omaha, NE

Nevada

Elko National Cemetery – Elko, NV (currently unavailable; under construction)

New Jersey

Finn’s Point National Cemetery – Pennsville, NJ (cremation only)

New Mexico

Fort Bayard National Cemetery – Fort Bayard, NM

Santa Fe National Cemetery – Santa Fe, NM

New York

Bath National Cemetery – Bath, NY

Calverton National Cemetery – Calverton, NY

Gerald B.H. Solomon Saratoga National Cemetery – Schuylerville, NY

Long Island National Cemetery – Farmingdale, NY (cremation only)

St. Albans National Cemetery – Queens, NY (currently unavailable; under construction)

Western New York National Cemetery – Corfu, NY

Woodlawn National Cemetery – Elmira, NY (cremation only)

North Carolina

Salisbury National Cemetery – Salisbury, NC

North Dakota

Fargo National Cemetery – Harwood, ND

Ohio

Dayton National Cemetery – Dayton, OH

Ohio Western Reserve National Cemetery – Seville, OH

Oklahoma

Fort Gibson National Cemetery – Fort Gibson, OK

Fort Sill National Cemetery – Elgin, OK

Oregon

Eagle Point National Cemetery – Eagle Point, OR

Fort Stevens National Cemetery – Hammond, OR

Roseburg National Cemetery – Roseburg, OR

Willamette National Cemetery – Portland, OR

Pennsylvania

Indiantown Gap National Cemetery – Annville, PA

National Cemetery of the Alleghenies – Bridgeville, PA

Washington Crossing National Cemetery – Newtown, PA

Puerto Rico

Puerto Rico National Cemetery – Bayamon, PR (cremation only)

Morovis National Cemetery – Morovis, PR

South Carolina

Beaufort National Cemetery – Beaufort, SC

Florence National Cemetery – Florence, SC

Fort Jackson National Cemetery – Columbia, SC

South Dakota

Black Hills National Cemetery – Sturgis, SD

Tennessee

Chattanooga National Cemetery – Chattanooga, TN

Knoxville National Cemetery – Knoxville, TN (cremation only)

Memphis National Cemetery – Memphis, TN (cremation only)

Mountain Home National Cemetery – Mountain Home, TN

Nashville National Cemetery – Madison, TN (cremation only)

Texas

Dallas-Fort Worth National Cemetery – Dallas, TX

Fort Bliss National Cemetery – El Paso, TX

Fort Sam Houston National Cemetery – San Antonio, TX

Houston National Cemetery – Houston, TX

San Antonio National Cemetery – San Antonio, TX (cremation only)

Utah

Southern Utah National Cemetery – Cedar City, UT (currently unavailable; under construction)

Virginia

Culpeper National Cemetery – Culpeper, VA

Danville National Cemetery – Danville, VA (cremation only)

National Memorial Cemetery at Quantico – Triangle, VA

Washington

Tahoma National Cemetery – Kent, WA

Vancouver Barracks National Cemetery – Vancouver, WA

West Virginia

West Virginia National Cemetery – Grafton, WV

Wisconsin

Northwoods National Cemetery – Harshaw, WI

Wyoming

Cheyenne National Cemetery – Cheyenne, WY

If you’d like more information about veterans’ burial benefits, visit the Veterans Affairs website or check out these helpful resources:

Mar 12

Love0

Woman in blue sweater sitting at table in her kitchen as she looks at estate planning documents

5 Steps to Getting Your Affairs in Order

By christy.kessler Estate Planning, Plan Ahead

While getting your affairs in order may feel like a daunting task, it makes the grieving process and closing out an estate much easier for surviving children and heirs. They won’t have to untangle any accounts or wonder how you wanted your property or assets distributed. Instead, they can focus on grieving, supporting each other, and remembering the relationship you shared.

And yes, the process of putting your affairs in order will take time, but there’s good news! Below, you will find a checklist of important documents to gather as well as guidance regarding other estate planning topics you should consider. Let’s get started.

Step 1: Gather Important Information

The information and documents listed below will apply to most families. However, there may be additional documents that are important to your specific family. The list below is an excellent starting place and covers the vast majority of what you will need. However, take time to sit down and think through your situation. You may find more documents to include.

Checklist

Full legal name
Social Security number/card
Address of legal residence
Date and place of birth
Names and addresses of spouse and children
Birth and death certificates and certificates of marriage, divorce, citizenship, and adoption (whichever are applicable)
Employers and dates of employment
Education and military records
Names and phone numbers of religious contacts (if applicable)
Names and phone numbers of close friends, relatives, doctors, lawyers, and financial advisors
Medications taken regularly (keep this updated!)
Location of living will and other legal documents
Sources of income and assets (pension from your employer, IRAs, 401(k)s, interest, royalties, etc.)
Social Security and Medicare/Medicaid information
Insurance information (life, health, long-term care, home, etc.) with policy numbers and agents’ names and phone numbers
Copy of your most recent income tax return
Location of your most up-to-date legal will with an original signature
Liabilities, including property tax
Mortgages and debts
Location of original deed of trust for home
Car title and registration
Credit and debit card names and numbers
Location of safe deposit box and key

Special note: It’s important to keep your documents safe, especially in the face of natural disasters. One way to keep your documents safe is to purchase a fire and water secure case. But whatever you choose, find a way to keep your documents secure and accessible in case of emergency.

Step 2: Consider Estate Planning

Estate planning is about ensuring that your wishes regarding your estate are carried out. While most of us don’t have a literal estate with a grand manor and a stable full of horses, we do all have an “estate.” In legal terms, an estate consists of everything you own – car, home, other real estate, bank accounts, investment accounts, 401(k)s, insurance policies, furniture, personal possessions, and even pets.

By determining what your wishes are, who will receive what and when, and who is responsible for executing your legal will, you participate in estate planning. If you are interested in estate planning, please review the questions below and determine if you have taken care of them fully.

1. Do you have a legal will?

Writing a legal will is one of the best things you can do for your family. To reduce the risk of misunderstandings, heartache, and the possible headache of taking your estate through probate court, it’s best if you clearly outline who gets what and when. If there is no legal will, the state may determine the distribution of your property and assets. So, if you don’t have a legal will, your assets may not go to your heirs, depending on your state’s current regulations. If you would like to write a legal will, first talk with an attorney or try out a web service that specializes in legal documents.

2. If you do have a legal will, have you appointed an executor? And does your chosen executor have access to and know where to find all of your important documents?

Above all, the executor of your will should be someone you trust. They will carry out the wishes outlined in your legal will to the letter.

3. Have you named your beneficiaries?

Beneficiaries are the people or organizations that will receive your assets and/or property after your death. In general, it is good practice to double-check your beneficiaries every few years. This includes beneficiaries on your legal will and on any life insurance policies you may have with the purpose of ensuring everything still reflects your wishes. Double-checking beneficiaries is especially important with blended families as divorce or remarriage could change your chosen beneficiaries. To learn more, read “Estate Planning for the Blended Family.”

4. Do you want or need a trust?

If you are unfamiliar with trusts, they are similar to a will. Both a will and a trust are meant to spell out your wishes regarding assets and property. The main difference between the two is that a will is effective only after you die and then must be probated (carried out) by the court system and your chosen executor. On the other hand, in the case of a trust, there is no need to go through the court system – your successor trustee (aka the executor) will carry out your wishes after your death as they are written in the trust.

Additionally, with a trust, your successor trustee can manage your financial, healthcare, or legal affairs if you become incapacitated while you’re living. Talk with an estate planner to see if this option is right for you. Typically, a trust is helpful for those with a large number of assets and property.

5. Have you considered your digital estate?

If you have used an email account, a networking website, or bought items online, you have a digital estate. It’s just as important to determine the future of your digital estate as your physical estate. For suggestions on how to manage your digital estate, please read “8 Tips for Managing Your Digital Estate” or “How to Make Digital Estate Planning Simple.”

6. Do you have any dependents (including pets)? Have you made your wishes clear regarding their well-being?

Most people know that they should indicate who will care for their dependents once they are gone. However, pets are also an important part of the family, and while we love them dearly, sometimes we overlook them in the estate planning process. To that end, make sure to include any veterinary documentation in your important paperwork and outline who should take over the care of your beloved animals.

Step 3: Look Into Advance Funeral Planning

No matter your level of interest, funeral planning needs to be on your list of things to do as you get your affairs in order. By writing down your funeral preferences ahead of time, you give your family a roadmap to honoring your life. Having this roadmap will take a burden off their shoulders and allow them to focus on loving and supporting each other.

For additional information on advance funeral planning, click on the links below:

Step 4: Write Out Your Advance Care Directives (ACD)

In short, an advance care directive (ACD) ensures that, if you become incapacitated, your medical wishes are known and fulfilled. Two documents, the living will and the healthcare power of attorney, make up an ACD. Sit down with your doctor and those closest to you and discuss what your wishes are regarding medical care. For more information regarding preparation of your advance care directives, read “Developing Your Advance Care Directive.”

Step 5: Keep It Current

Once you have your affairs in order, keep them up-to-date and current, especially your legal documents, beneficiary information, and most recent tax return. Make sure to appoint a new executor if the one you have currently chosen moves away or is unable to fulfill his or her duties. If you move, update your current address on all your documents, policies, accounts, and assets. At the beginning, it’s quite an undertaking to gather all the information. But, once it’s together, updating is simple.

Also, you might consider holding a family meeting to go over your wishes and your estate. For some families, this may not be pleasant or even possible. But if you can schedule it, a family meeting is an excellent time to let everyone know how your assets are going to be distributed. By being proactive, you can answer questions, set expectations, and hopefully, prevent any family disagreements over your final wishes.

DISCLAIMER: Individual circumstances and state laws vary, so only undertake estate planning with the help and assistance of an attorney licensed in your state.

Plan Ahead

1. Burial

2. Columbarium

3. Scattering

4. Keep the Ashes at Home

5. Memorial Jewelry

6. Under the Sea

7. Plant the Ashes

8. Launch into Space

9. Stained Glass or Hand-Blown Glass Keepsakes

10. Press into a Diamond

11. Memorial Stones

1. Choose a Company that Respects Your Wishes for Personal Involvement

2. Choose a Company with Good Word-of-Mouth Recommendations

3. Choose a Company that Focuses on Your Service Priorities

4. Choose a Company that Fits Your Budget

5. Choose a Company that Takes a Reasonable Commission

6. Choose a Company that Meets Your Schedule

7. Choose a Company that Helps You Decide What to Keep

8. Choose a Company with Consignment or Donation Opportunities

Making a Decision

What is an Arrangement Conference?

What are the Main Objectives?

What Questions Should You Consider in Advance?

What Should You Bring?

Some Final Tips

One Last Thought

Reason #1: “An estate plan is only for senior adults”

Reason #2: “An estate plan is only for the wealthy”

Reason #3: “Estate planning will be too expensive”

Reason #4: “I have plenty of time”

Reason #5: “I don’t need an estate plan”

Reason #6: “I’ve never thought about it”

So, What’s Next?

Further reading on estate planning

11 Reasons Why You Should Start Estate Planning Now

1. Protect Your Minor Children

2. Outline Future Care for Pets

3. Minimize or Prevent Family Disagreements

4. Specify How Your Assets Should Be Distributed

5. Avoid Probate Court and Preserve Privacy

6. Choose a Trusted Estate Executor

7. Manage or Minimize Estate Tax Issues

8. Document your Medical Care Wishes

9. Avoid a Guardianship Appointment

10. Arrange for Charitable Gifts

11. Give Everyone Peace of Mind

Why Is It Important to Plan Now?

Additional Estate Planning Resources

What Could Go Wrong with a Life Insurance Policy?

Does the Life Insurance Policy Sufficiently Cover All End-of-Life Expenses?

What Can You Do to Avoid Life Insurance Complications?

Review and Update Insurance Policies Regularly

Make Sure the Policy is Assignable

Resolve Any Issues Before Death Occurs

Consider Preplanning Your Funeral

Next Steps

Let’s Define Both Forms of Cremation

Flame-Based Cremation

Water-Based Cremation

Next, Let’s Talk about Environmental Impact

Flame-Based Cremation & the Environment

Water-Based Cremation & the Environment

Is there a Cost Difference?

What Alkaline Chemicals are Used in Water Cremation?

Is there a Difference in the Ashes Received by the Family?

What is the Availability for Each Form of Cremation?

What’s Next?

Will the Department of Veterans Affairs (VA) pay for a veteran’s funeral in full?

Am I automatically eligible for burial benefits simply because I was once in the Armed Forces?

Will my family receive funds from the government in advance of the funeral?

Are there cases where the VA pays nothing toward a veteran’s funeral?

If a spouse predeceases the veteran, can that spouse be buried at a national cemetery?

Who is eligible for burial in a national cemetery?

Can you reserve a national cemetery gravesite in advance?

What does the VA provide for veterans buried in a national cemetery?

What does the VA provide for veterans buried in a private cemetery?

Does the VA pay for cremation services?

Does the VA provide burial at sea?

What is the Avenue of Flags?