Planning Tools Archives - Page 6 of 10

Nov 03

Woman choosing a color from a color wheel

Using Color to Personalize a Service

By christy.kessler Meaningful Funerals, Personalization, Plan Ahead, Planning Tools

Creating a personalized funeral or memorial service is the first step toward finding the healing and reconciliation you need after a loss. Why? Because if the service details truly reflect the hobbies, interests, personality, and quirks of the person who has died, then it feels like a true tribute – something with meaning, purpose, and poignancy. Using color can be a simple way to uniquely personalize a service – let’s look at a few examples.

4 Simple Ways to Use Color to Personalize a Service

While the color black has traditionally been associated with mourning in the western world, it’s not a hard and fast rule. In fact, in other areas of the world, white, red, purple, gray, and even gold are considered colors of mourning. With the increase in personalized services, it’s become much more accepted to use different colors, especially if that color has special significance.

1. Select Specific Flowers

If you are decorating with flowers or accepting flowers as sympathy gifts, you could request a specific color. To be the most meaningful, select a color that is special in some way – either to you or to the one who has died. Or, if the deceased person loved pumpkins, succulents, or even tiny cactus plants, you could encourage well-wishers to give those, instead. Imagine how sweet it would look and feel to see a loved one’s service filled with the color that brought them so much joy in life.

2. Decorate with Intentionality

Another option for using color to personalize is by choosing your decorations intentionally. If you choose to focus on a specific color, you can use it in a multitude of places. For example, you could display photo frames in that color. At the gathering or visitation, use tablecloths or centerpieces in that color. Place themed decorations on memorial tables. Provide a keepsake to mourners that showcases the theme color. The options are endless. Think on what the person loved and use that information to create something one-of-a-kind.

3. Request that Mourners Wear a Certain Color

Perhaps one of the easiest ways to incorporate color into a service is to ask mourners to wear it. This way, when people attend the service, there’s a sea of pink, green, orange in honor of your loved one. If you’d rather focus on a theme than a color, you can. For instance, you could ask that mourners wear a certain team’s jersey, Star Wars gear, something with unicorns, or whatever is most appropriate. You can include the color/theme when you announce service details, whether that’s through the funeral home or a personal announcement on social media.

4. Customize the Urn or Casket

Urns today come in many shapes, sizes, and hues. If you plan to have a memorial service after cremation, you can select an urn of a specific color. Simply speak with your trusted funeral home or go online to review your urn options.

As for caskets, there are a few different personalization options. First, you could request a certain color for the casket lining and pillow top. Second, you could customize the casket itself. Rather than selecting one of the standard colors or wood types, you could commission a casket of any color. Third, you can ask that the interior or cap panel (the rectangle of space just above the deceased when the casket is open) be customized. You could select a specific hue, or alternatively, some funeral homes can place a photo in this space.

If any of these options appeal to you, contact your trusted funeral home. They will help you get the answers you need.

What If I Don’t Know What Color to Choose?

If a color doesn’t immediately come to mind, that’s okay. You can either personalize the service in other ways, or you could even choose a color based on its meaning.

Woman choosing a color from a color wheel

Red – Energy, passion, strength, love, sincerity
Pink – Love and romance, caring, tenderness, acceptance
Beige – Calm and simplicity
Ivory – Quietness and pleasantness
Yellow – Joy, happiness, imagination, hope, friendship
Blue – Peace, tranquility, trust, harmony, loyalty
Purple – Spirituality, transformation, wisdom, honor
Lavender – Femininity, grace, elegance
Orange – Enthusiasm, warmth, vibrancy
Green – Renewal, generosity, service
Brown – Stability, hearth & home, comfort, reliability
Gray – Security, intelligence, dignity, modesty
White – Purity, peace, innocence, goodness

Ultimately, color is just one option for creating a meaningful service. Whether you are planning ahead for your own funeral wishes or are planning a loved one’s services, you have options. If you have a specific idea of what you’d like to do or you need a little help, your local funeral home can help. They can brainstorm with you, offer ideas and solutions, and help you create a tribute that feels right and good.

If you’d like to learn about other ways you can customize a service to create something truly unique, go to Practical Ways to Personalize the 7 Elements of a Funeral for inspiration.

Oct 14

Love0

Cover of a casket with a white rose laid on top

Understanding Embalming & Your Options

By christy.kessler Planning Tools

Embalming may not be something you’ve given much thought to – other than a mild interest in Ancient Egyptian mummification practices. Thankfully, embalming today is much less complicated than in Ancient Egypt, but it’s still a process. Let’s take a moment to dive into what embalming is, the process behind it, and what your options are when embalming makes the most sense for your funeral planning needs.

What is embalming?

Warning: There are a few squeamish details here, so be prepared or skip to the next section.

Following the Civil War (1861-1865) and the death of Abraham Lincoln, embalming became widely accepted in the United States. After seeing how lifelike Abraham Lincoln appeared during his lying in state period, people all across the nation selected embalming after death. This widespread approval led to the practice becoming a cultural norm, which continues to this day.

But how does embalming work? Well, embalming occurs in stages. Let’s do a quick (and abbreviated) rundown.

Stage 1

The body is disinfected and prepared (this includes massaging stiffening joints, shaving, sewing the jaw shut, etc.)

Stage 2

After the body is prepared, small incisions are made and the blood is replaced with a solution that preserves the body for a period of time.

Stage 3

After the blood is replaced, the body cavities must be embalmed as well. This includes allowing any gas or fluid contents to drain from the organs and the abdomen.

Stage 4

Now that the body is fully embalmed, the cosmetic part of the process begins (washing the hair and body, applying make-up and clothing, etc.).

Once these stages are complete, the body is ready for a viewing or visitation, depending on what the family has planned for final services.

Why do we embalm?

Different people have different reasons for choosing embalming, and ultimately, it comes down to personal choice. For some, embalming and seeing the person who has died is an essential part of the grieving process. Let’s look at a few reasons why people choose embalming.

You want to have a funeral service with an open casket.
You want to give far-away family members time to travel to the location of the service, so embalming will preserve the body for a longer period of time.
The body needs to travel a great distance for burial (like in a national cemetery or in another state).
You want to donate your body to medical research.
You want to see the person you love one last time. For some people, when tragic accidents occur, it’s important to have a chance to see the body one final time. Also, it’s during the embalming process that any restorative work occurs, to repair any physical damage incurred by the cause of death.

If any of these ring true for you, then embalming may be the right choice for your needs.

What are my embalming options?

Whether you are planning ahead for your funeral wishes or planning a funeral for a loved one, it’s always beneficial to understand your options. If your family would like to have a viewing or visitation that will allow friends and family to see the deceased person one final time, then embalming is a good route for you.

It will ensure that the body is in good condition for whatever services are planned to honor the person’s life and allow the living to say their goodbyes. Currently, there are two options available for embalming: traditional embalming and green embalming. Let’s talk about each one in turn.

Traditional Embalming

With traditional embalming, a formaldehyde-based solution replaces the blood, acting as a preservative. It helps restore the skin’s natural color and appearance. This type of embalming is available widespread as it has been a common practice for more than 100 years. With traditional embalming, burial at most cemeteries is possible. The only ones that do not allow this form of embalming are green or natural cemeteries.

Green Embalming

As an alternative to the formaldehyde-based solution, some funeral homes now offer green embalming. Essentially, the process is the same, but the solution consists of non-toxic chemicals and plant-derived essential oils. While its effects do not last as long as traditional embalming, it still restores the body’s natural coloring and appearance. All cemeteries, including green or natural cemeteries, accept green embalming.

Is embalming required?

In most cases, embalming is not required. In fact, it’s often only absolutely necessary in special cases. For example, officials may require embalming when a body needs to cross state lines or moves from one place to another via public transportation (like on an airplane).

For the most part, embalming is a choice, and families select it because they want the body to be present for the meaningful services they have planned.

Keep in Mind

Before we go, keep in mind that green embalming is fairly new. Not all funeral homes offer it at this time. If having a more eco-friendly option is important to you, the best thing to do is contact your local funeral home and see what they offer. Then, you can make the decision that makes the most sense for your family and your needs.

Sep 01

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Can You Name the 4 Different Types of Cemeteries?

By christy.kessler Cemeteries, Explore Options, Memorial, Plan Ahead, Planning Tools

A cemetery is a cemetery, right? Well, to a degree, that’s true. However, there are actually several different types of cemeteries you should know about. Today, we’ll discuss the 4 main categories as well as some of the unique features that are available.

What are the 4 main types of cemeteries?

1. Public Cemeteries

Many cemeteries are public cemeteries. Often, they are the most affordable option. In short, a “public” cemetery simply means that anyone from the general public can inquire about purchasing a plot or niche. However, not all public cemeteries are run the same way.

Government-run public cemeteries

More than likely, a local government, like the city or the county, owns this type of public cemetery. Burial is open to anyone, and the local government maintains the grounds. However, they may not offer a full range of options and services.

Privately-run public cemeteries

On the other hand, privately-run public cemeteries are often owned independently or by a corporation. When you think of a cemetery, this may be the type that comes to mind most readily. They are commonly called “private cemeteries,” though they are open to the public. You can find them through the local funeral home, friends, or searching online. While the cost of a plot/niche may be higher, they also provide more services and options.

No matter which you choose, check on availability. In some cases, public cemeteries become full, sold out, or dedicated to those who die destitute (especially in the case of a government-run cemetery).

2. Private Cemeteries

Owned by individuals or businesses, true private cemeteries are not open to the general public. In fact, the owners have final say in who is allowed burial in a private cemetery. Let’s look at two primary examples of private cemeteries: family burial grounds and religious cemeteries.

Family burial ground

Very common in rural America in the 19^th and early 20^th centuries, a family burial ground is located on private land and designated for relatives only. Today, there are more regulations in place, but it is still a possibility. However, there’s one potential problem to consider: access. If land is sold, the family may no longer have access to the cemetery. Some states guarantee the family access to the cemetery, and other states do not. Therefore, make sure you understand your local or state laws before committing to a family burial ground.

Religious cemeteries

This type of private cemetery restricts availability to those of a certain faith or belief or even affiliation.

Examples include members of a certain:

Church
Fraternal/sororal group
Ethnicity
Lodge

In most cases, the organization owns the cemetery and only allows members to purchase a plot or niche. While there are a lot of religious cemeteries across the United States, each cemetery has its own rules. Because of that, some are more restrictive and others more inclusive. If you are interested in burial in a religious cemetery, start by talking with the organization most closely affiliated with it.

3. Veteran Cemeteries

Have you heard of Arlington National Cemetery and the Tomb of the Unknown Soldier? This beautiful cemetery is an iconic example of veteran cemeteries across the nation. For eligible active duty servicemen and women, veterans, and their dependents, both national and state veteran cemeteries are an option.

Maintained by the Veterans Administration, there are more than 100 veteran cemeteries in the United States. For those who are eligible, burial benefits are available. These benefits include a plot, opening and closing of the grave, perpetual care, a headstone, and military honors…at no charge. Some state veteran cemeteries charge a nominal fee, but the funeral home can contact the cemetery on your behalf to confirm.

4. Green or Natural Cemeteries

The natural or green cemetery focuses on minimizing environmental impact and limiting the carbon footprint. While natural cemeteries have all the hallmarks of a standard cemetery, there are some notable differences.

They require the use of a biodegradable casket or urn. While embalming is not prohibited, it must be done without specific chemicals or avoided entirely. Instead of headstones, some cemeteries plant trees with minimal markers. For more information on green or natural burial, talk to your trusted local funeral home. They can answer your questions.

Do cemeteries have special features?

Yes, some cemeteries focus on a certain aesthetic. Let’s review a few examples.

Monument Cemetery – features traditional, upright headstones made of granite, marble, or stone; additionally, may include a designated area for flat memorial plaques

Memorial or Lawn Park – uses lawn-level granite or bronze memorial plaques; by using ground-level markers, they intend to promote natural beauty and decrease maintenance costs

Garden Cemetery – similar to a memorial park, except the design of the cemetery includes specific garden elements; for example, Mount Auburn Cemetery is the earliest known garden cemetery in the United States

Columbarium or Mausoleum Niches – while burial is an option for cremated remains, columbarium or mausoleum niches are also available at many cemeteries

Is there a cost difference?

Absolutely. The cost of cemetery good and services varies widely and depends on several factors, including:

Where you live
Type of cemetery
Type of burial
Location of the plot
Memorialization selections
Perpetual care fee

Let’s recap. First, public cemeteries are most likely to receive funding from the local government, so their costs are lower. Second, with private cemeteries, there will be fees associated with opening/closing the grave, perpetual care of the grounds, grave liner, headstone, and so on. Third, in most cases, burial in a veteran cemetery will incur little or no cost to you or your family. And lastly, a green or natural cemetery will likely cost less than a private cemetery because they don’t require certain items, such as a grave liner.

Ultimately, the decision of which cemetery to use is up to you and what’s available in your area. Your trusted local funeral home can give you all the information you need to determine what’s best for your needs and your family.

Jan 05

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What’s the Difference Between a Funeral and Memorial Service?

By christy.kessler Cremation, Explore Options, Planning Tools

Have you ever planned a funeral or memorial service? If you haven’t, then you’re in good company. Most people haven’t. That’s why it’s not surprising that you may not know the difference between funeral and memorial services. But today, we’re going to break things down, and hopefully, clear things up.

“Funeral” as a General Term

First, let’s talk about the word “funeral.” Often, it’s used in two different ways.

The word “funeral” can be used in a general sense to refer to the entire process of taking care of the body after death including all associated services. So, “Our family is planning the funeral” could mean either a traditional service or a memorial service, burial or cremation, simple or elaborate. As a culture, we’ve used the word “funeral” for so long that no matter what kind of service it may be, we still use “funeral” in a general sense in our conversations.

However, there is a second meaning to the word that more directly applies to our topic today.

What’s the Difference Between a Funeral and Memorial Service?

At the risk of sounding anticlimactic, the difference between the two is quite simple: is the body present or not?

Funeral Service

At a funeral service, the body is present, often in a casket in a place of honor. Considered the traditional way of putting a loved one to rest in our culture, the funeral service often features common elements, such as the presence of a casket, religious rituals (if applicable), and post-funeral burial. They also tend to take place in certain traditional locations.

Memorial Service

At a memorial service, the body is not present, though there may be an urn or a portrait in a place of honor. The specific nature of a memorial service can vary on a case-by-case basis depending on the choices you make. In general, though, a memorial service is a ceremony that memorializes and honors the deceased without the body present (regardless of whether burial or cremation is chosen).

And that’s the main difference between the two. However, let’s go a little deeper.

What are My Service Options?

Most of the time, we associate a memorial service with cremation. However, did you know you can have a viewing, visitation, and traditional service with cremation? Funerals (general use, here) are becoming more and more customizable, so there are lots of options available.

Shows a young woman standing next to a casket with white lilies

Here are 3 basic types of services:

Traditional Service with Burial

Traditional burial may be what comes to mind when you first think “funeral.” A long-time practice, traditional burial typically includes a viewing or visitation, a funeral service (with body present), a graveside committal, and often, some sort of informal gathering following the conclusion of services. After services are concluded, the body is taken to a cemetery and buried according to the family’s wishes.

Traditional Service Before Cremation

Believe it or not, you can have a traditional ceremony, viewing, and/or visitation even if you select cremation. You can choose a private family viewing or a public visitation. You could even hold a full funeral with the body present using a rented ceremonial casket. After the services are concluded, the body will be taken to the crematory so that cremation can take place.

Memorial Service After Cremation

On the other hand, you can plan a memorial service where cremation takes place before the service. Most often, the family will place the urn or a portrait in a place of honor. If the family has elected to bury the urn, then there may be a committal service, but otherwise, it’s common to invite guests to an informal gathering (like a meal or reception) where they can share stories and memories.

No matter what type of service you select – funeral or memorial – the most important thing you can do is create a meaningful and healing event. With a personalized ceremony, you can give grieving loved ones a solid foundation by creating a special moment in time that can bring comfort and peace, allow everyone to say goodbye, and encourage each person to start the grief journey on the right foot.

Shows a woman placing flowers on a grave as a remembrance

After all, the funeral or memorial isn’t for the dead; it’s for the living. It’s a chance to share stories, to reminisce about the sweet memories, to cry, to give and receive support, and most of all, to express what’s deep in our hearts as we say goodbye.

Hopefully, you have a better understanding of the differences between funeral and memorial services as well as a general idea of the types of services that are available to you. There are other options – like natural burial or burial at sea or scattering – so make sure to talk with a reputable funeral home in your area. They can discuss all the options with you so that you can make decisions that balance your own personal wishes with the emotional needs of your family.

Nov 15

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Illustrates what an inscription would look like

6 Ways to Personalize a Memorial Marker

By christy.kessler Cemeteries, Explore Options, Meaningful Funerals, Memorial, Personalization, Planning Tools

When visiting a cemetery, it can seem like your options are limited when choosing a memorial marker, but that’s not true. There are many options for creating a personalized monument that will identify a loved one’s final resting place for generations to come. Today, let’s talk about why memorial markers matter and 6 different ways you can personalize a monument to create something unique and special.

What is a Memorial Marker?

A memorial marker goes by many names. Tombstone. Headstone. Grave marker. Monument. It can get confusing quickly, so we will use “memorial marker” and “monument” for our purposes today.

If you’ve ever visited a cemetery, then you’ve seen memorial markers. It could be a plaque, an upright headstone, a footstone, or even occasionally a ledger stone, to name a few options. Typically, a memorial marker lists the deceased person’s name and life dates. Anything beyond that is customized.

Why is a Memorial Marker Important?

As human beings, when we lose someone we love, our feeling of connection to them continues, even though they are no longer with us physically. It is this connection that contributes to our feelings of loss, that makes it so difficult to process death and move toward healing and reconciliation.

Not only do memorial markers highlight the value of remembering people by name – names are so important – they also give us a place to go to feel close to the person who has died.

To learn more about why memorial markers and a final resting place can be valuable to families, especially when feelings of grief arise or anniversaries come around, check out 5 Reasons to Establish a Permanent Memorial.

6 Ways to Personalize a Memorial Marker

Now, let’s dive into 6 ways you can personalize a memorial marker to reflect a person’s unique life, personality, and preferences.

To help you decide what’s right for your needs and situation, consider which of these categories you want to focus on (or if you’d like to create a mix):

Choose elements that reflect personality (kind, giving, friendly)
Focus on family attributes (father, grandmother, uncle, sister)
Highlight achievements, hobbies, interests, or long-term commitments

With these categories in mind, let’s talk about personalizing a memorial marker.

1. Create a Personalized Inscription

Also called an epitaph, you can include a short message on the monument that has meaning and significance to everyone – family, friends, and the person who has died.

For instance, you could include:

A focus on family (“Beloved mother, sister, and friend”)
A poignant sentiment (“Forever in our hearts”)
A spiritual quote or verse for a person of faith
Pop culture references to music, movies, etc. (“May the Force be with you” or similar)

For a real-life example, one beloved grandmother included her famous fudge recipe on her memorial marker so that everyone who came by could make and enjoy it as much as she did. The possibilities are quite literally endless with how you can personalize the inscription.

2. Choose a Color

Next, let’s talk about color. Depending on what material you select, you can choose a color to personalize a memorial marker. Granite is the most popular monument material because it retains its shine for many years. It is available in black, blue, gray, pink, red, and more. If your loved one had an affinity for a certain color, you can ask your monument representative what your color options are.

Bronze is another common material used for memorial markers. Keep in mind, bronze will develop patina over time, resulting in a color change ranging from antiqued green to light or dark brown. Some people love this color change, and one more famous example of patina is the greenish hue that we now see on the Statue of Liberty.

3. Select a Shape

While most people choose a rectangular, square, or pointed top monument, memorial markers aren’t one-size-fits-all. Custom monuments come in many forms—from benches to unique shapes like hearts, books, arches, or even guitars.

If you have a specific vision for what shape you’d like the memorial marker to be, talk to the monument designers about the possibilities. They will discuss the cost and what’s possible when working with stone.

4. Add an Image or Symbol

If you’d like, you can request that the memorial marker feature a specific image or symbol. From animals and military insignia to pop culture references or nature scenes, anything is possible. The key is to pick something that is meaningful.

If you aren’t sure what kind of image to request, ask yourself, “Does my loved one have a well-known hobby? A pet who is always nearby? A deep faith? A favorite instrument or talent or sports team?” These types of questions will help you narrow down the options.

Monument companies will work with you on the design and help you create something that will bring your creative vision to life as you honor your loved one’s legacy.

5. Include a Photo

Similar to an image or symbol, you could add a photo (or photos) to personalize a memorial marker. Depending on your wishes, the photo could be etched (by hand or with a laser), or if you prefer to use a color photo, the image can be created in ceramic or porcelain and then permanently affixed to the marker in whatever size you want.

If you decide to include a photo, select one of your favorites and go over your wishes with the monument designer so they can create exactly what you want.

6. Incorporate a QR Code

A new trend in memorial marker personalization is the QR code. The code is affixed to the marker, and when mourners or visitors scan the code, they view a website dedicated to that person’s life and legacy.

Imagine if you could scan a QR code for someone who died 100 years ago. It would be both amazing and interesting to read more about who they were and what their life was like.

Of course, this personalization option takes a little additional work on your part (you have to create a website), but it may be a good option for remembering and honoring your loved one’s life.

Do What’s Best for Your Family

The best thing about this whole discussion? There’s no right or wrong. If something traditional is right and good for your needs, do that. If a photo with inscription is best, do that. Would a book top with a literary quote be meaningful? Do that. It’s entirely up to you.

One final note as you consider the possibilities, remember to ask the cemetery representative if they have any specific regulations. Some cemeteries place firm restrictions on monument color and material.

Shows woman visiting a cemetery where there are monument regulations

Now, take some time to brainstorm. Talk to a funeral home or monument company to learn what the options are. Then, start creating a vision for a personalized memorial marker that makes the most sense for your family, your needs, and your loved one.

For more helpful information, make sure to read Selecting and Installing a Grave Marker.

Jul 19

Love0

Older man and woman using calculator to add up costs

Understanding Prepaid Funeral Insurance Policies

By christy.kessler Explore Options, Plan Ahead, Planning Tools

We all know the value of being prepared. We buy car insurance, fire insurance, health insurance, life insurance – all just in case. When you stop to think about it, why do we buy these policies? Answer: Because the future is unknown. We don’t know if we will be in a fender bender, if hail will damage the roof, or if a health issue will arise. While most aspects of the future are unknowable, we can be sure of one thing – we will all face death someday. So, if we prepare for events that might occur, doesn’t it make sense to prepare for an event that will occur?

Advance funeral planning is writing down your funeral wishes so that your family knows how you would like your life honored when that day comes. By doing this, you take the mystery out of your wishes. Your family doesn’t have to make decisions in a cloud of grief, uncertain about what you would have wanted. Instead, with your wishes in hand, they can make decisions with confidence and certainty.

Older man and woman reviewing paperwork with professional

However, you can take things one step further and also protect your family financially by preparing for the cost of a funeral. At this time, you may be planning to use a life insurance or final expense policy to pay for any final services. While it’s better than having no plan at all, check out The Truth About Life Insurance and Funeral Expenses and Myth Vs. Fact: The Truth About Final Expense Plans to get a fuller look at what using these policies will mean for your family.

Today, let’s talk about a type of policy you may not know much about: prepaid funeral insurance policies.

What is a Prepaid Funeral Insurance Policy?

Definition

In a nutshell, a prepaid funeral insurance policy is an insurance policy based on a contract between you and your chosen funeral home. You select a funeral home and make an appointment to talk about your final wishes. Then, you make your selections – burial, cremation, casket, urn, service, visitation, etc. – and the funeral home will draw up an itemized contract. Once you know the cost of your selections, you can make adjustments or move forward with what you have.

Once your selections are determined and the contract is drawn up, it’s time to open a prepaid funeral insurance policy in the amount of your contract. You can do all of this without leaving the funeral home. However, please note: You will not pay your premiums to the funeral home, but to the insurance company that backs the prepaid funeral insurance policy. Go to 10 Questions to Ask Before You Prepay Your Funeral to see a few other questions to ask before signing anything.

Person signing contract

You can draw up a contract at any age, regardless of health. However, when you submit the paperwork for a prepaid insurance policy, the insurance company will ask health questions. In most cases, these health questions won’t prevent you from opening a policy. However, your answers may affect the type of plan you are eligible to sign up for.

When you sign the contract, your down payment and all other payments will be kept in escrow with the funeral insurance company (not the funeral home) until the time of death. The insurance company ensures that your funds are available for use by your family when they are needed.

A Step-by-Step Breakdown

Select a funeral home partner.
Sit down with an Advance Planning Specialist to learn about all your options.
Write down your funeral wishes.
Once your wishes are determined, review an itemized list of the cost of the funeral (based on the funeral home’s pricing).
Once the pricing is set, the funeral home will submit your contract to their insurance company partner.
Based on your answers to a few quick health questions, the insurance company will determine which plan types you are eligible for, review your payment options, and finalize the policy.
Now, all that’s left is to pay for the plan. You can pay in one lump sum or make payments over a set period of time. Most companies allow early payoff options, if desired.
When you have completed your payments, your policy is paid in full!

Revocable vs Irrevocable

There are two types of prepaid funeral insurance policies available: revocable and irrevocable. The only difference is that you cannot cancel an irrevocable policy to receive its cash value. The main reason to choose an irrevocable policy relates to Medicaid eligibility. Essentially, because you cannot access funds in an irrevocable account, Medicaid considers them an exempt asset. For more information about using an irrevocable prepaid funeral insurance policy to help you qualify for Medicaid, please read Medicaid Qualification Rules and How to Spend Down With a Burial Plan.

One more note regarding revocable and irrevocable accounts. Most funeral insurance companies have a “grace period” where you can revoke your policy, no matter which type. But, after that time frame (different for every insurance company), you can only cancel revocable plans.

Guaranteed vs Non-Guaranteed

In some states, funeral homes offer a guarantee on the goods and services you select for your prepaid plan. This means that you can lock in today’s prices for certain items. However, not all items and not all states offer guaranteed prices. If the prices are not guaranteed, the cost for goods and services is determined at the time (date/year) that the funeral takes place.

If the funds set aside in your prepaid funeral insurance policy are not enough to cover the end cost of the funeral, your family will be responsible for paying the difference. However, in most cases, the funds in the policy are more than enough to pay the total cost as they usually grow over time to offset inflation.

How Do You Benefit from a Prepaid Funeral Insurance Policy?

There are so many ways that both you and your family benefit from both preplanning and prepaying for funeral wishes. Here are a few:

Affords you control over your end-of-life plans. Because your wishes are written into the contract, the funeral home will follow them precisely. (If needed, your surviving family members do have the ability to make adjustments.)
Protects your family from having to make difficult decisions at an emotionally stressful time.
Guarantees that the funds necessary to pay for a future funeral are available right away.
Grants you the opportunity to spend down your assets for Medicaid purposes (irrevocable only).
Covers the cost of inflation due to growth in the fund over time.
Gives your family more money because life insurance policy funds aren’t reduced for funeral costs.
Gives you time to consider all your options and make sound, financially responsible choices.
Spares loved ones the financial burden of paying for funeral or memorial services.
Allows your family to simply grieve during a time of loss rather than focus on funeral or memorial details.
Saves you money in the long run. As with everything, the cost of a funeral continues to go up. Planning now will only help your family in the future.

Some Important Details

If you do decide to purchase a prepaid funeral insurance policy contract, there are a few important things to remember:

1. Give a copy of the contract to several people you trust and keep a copy with your other important documents. It is the family’s responsibility to contact the funeral home you have partnered with regarding your final wishes. Make sure they know who to contact.

2. Often, a prepaid plan does not include cemetery costs (unless the funeral home you partner with also owns a cemetery). You will need to coordinate any burial needs with a cemetery of your choosing.

3. Make sure that the insurance company backing your prepaid funeral insurance policy is reputable. Look into the company and their business practices before signing your contract.

4. Regarding revocable plans. If you decide to cancel, you are not guaranteed to receive back everything you have paid in so far. You will receive back a certain percentage but not a full refund. Some people treat an revocable contract like a bank account. This is not the case, so don’t make the same mistake.

5. Make sure that the contract states:

1. The name and address of the funeral insurance company
2. How the funds will be invested (to grow the fund and account for inflation)
3. What happens if the total amount in escrow is more or less than the final cost of the funeral at the time of death
4. Whether you receive a yearly statement of the money in your account

No matter how you decide to pay for the funeral, take the steps necessary to ensure the burden doesn’t fall entirely onto your family’s shoulders. Planning ahead is a gift you can give those you love and one they will always be grateful to have received.

May 27

Love0

Man and woman reviewing documents on a clipboard

What Services Do Funeral Homes Offer?

By christy.kessler Explore Options, Planning Tools

You may think that funeral homes only plan and facilitate funeral and memorial services, but that’s not all they do. In fact, funeral homes have a wider range of services than you might think, and several of them are completely complimentary! Let’s review the top services available and what they entail.

Meaningful & Healing Funeral or Memorial Services 

First and foremost, the funeral home assists families with creating personalized and unique healing experiences. Depending on the family’s needs, these services could include a funeral, a memorial, a visitation or viewing, a gathering, and a graveside service. In addition to offering different options for remembrance services, the funeral home also helps to facilitate all the moving parts. To name a few, the funeral home will:

Brainstorm and implement personalization ideas
Prepare and decorate spaces for the service options chosen by the family
Seek out clergy, musicians, pallbearers, etc. unless the family already has people in mind
Review options for caskets, urns, flower sprays, burial liners, and more
Coordinate any burial or cremation processes
Care for the body in accordance with the family’s wishes
Request military honors
And so much more (click here for a look more closely at a funeral director’s duties)

The funeral home staff is committed to listening and implementing the family’s vision for a healing and meaningful service.

Grave Marker, Cemetery, & Memorial Needs

As part of the process for laying a loved one to rest, the funeral home will coordinate with the cemetery and monument company of your choice. This does not mean the funeral home staff will purchase a burial plot or columbarium niche on your behalf. In most cases, the funeral home and the cemetery are separate proprietors. You will need to work with both after the death of a loved one. That said, the funeral director will coordinate with the cemetery of your choice to ensure that your previously selected choices are ready and services can run smoothly.

Additionally, they will submit your wishes for a grave marker with the monument company, so the family doesn’t have to do so. In some cases, the funeral home may own a cemetery or monument company themselves. Regardless, the funeral home staff will help you navigate through any grave marker, cemetery, or memorial needs.

Assistance with Legal Documents

The death of a loved one brings a lot of legal documentation, but the funeral home can help you work through many of the documents. Not only will they take care of preparing and filing for the death certificate, the funeral home can help with:

Obtaining additional certified copies of the death certificate
Requesting social security survivor benefits
Filing for life insurance benefits
Applying for veterans’ burial benefits to assist with the cost of a funeral or memorial

Grief Resources & Aftercare Services

Losing a loved one is hard emotionally, physically, mentally, and sometimes spiritually. Good funeral homes recognize that the funeral or memorial service isn’t the end of your grief journey – it’s a good beginning. That said, many funeral homes offer grief and aftercare resources, though the type will vary from funeral home to funeral home. Some will offer informational resources that will direct you to local support groups, grief therapists, or helpful books and literature. Additionally, some funeral homes employ a grief counselor or keep a grief therapy dog on staff to offer comfort and stress relief.

NOTE: The four services listed above are available to families who work with a funeral home following the death of a loved one. They are included in the service options you choose for your family.

Educational Resources for End-of-Life Planning

As a complimentary service to the community, many funeral homes host educational events that share valuable planning information. Topics can include advance health care directives, writing a will, preparing for nursing home care or assisted living, senior safety tips, information on veterans’ burial benefits, understanding Medicaid, or the benefits of planning ahead for funeral wishes. To attend one of these free events, check out the funeral home’s website or Facebook page or keep a lookout for flyers on public boards or an invitation through the mail. While you are certainly not required to attend any of these events, they are an available resource for topics that are often a bit of a mystery.

Planning Ahead for Funeral Wishes

Another complimentary service the funeral home offers is the ability to plan ahead for funeral wishes. This means that you can set up a free visit with a preplanning specialist who will help you wade through all the options available. Do you want to be buried or cremated? What kind of service would you like? Are you a veteran who would like military honors at the service? With every question you answer, you take more and more of the burden off your loved ones. Because you’re answering these questions now, they don’t have to in the future, and you can both have peace of mind knowing that everything is taken care of.

Man and wife smiling at camera

Plus, if you’d like (it’s not required), you can also look into prepaying for a funeral. In many cases, this actually saves your family money in the long run. But again, it’s not required. Even if you don’t pay in advance, it’s valuable to put your wishes in writing. You will give your family a roadmap to your wishes, rather than leaving them completely in the dark. Many family disagreements have occurred over what the deceased person would have wanted to honor their life, and by answering a few questions, you can make the funeral planning process much simpler for your family. And don’t forget – this is a complimentary service. You can always take your plan to another funeral home if you move or things change.

Funeral homes provide much-needed services to grieving families. You just have to make sure you choose a funeral home that has a good reputation and deeply cares about people. Once you find a funeral home you can trust, take advantage of everything they have to offer and consider them a resource for valuable end-of-life planning information.

May 19

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What Do Funeral Directors Do?

By christy.kessler Explore Options, Meaningful Funerals, Planning Tools

Have you ever wondered exactly what funeral directors do? To most people, funeral service is a bit of a mystery. That’s because a vast majority of people have never had to plan a funeral. Let’s look at some of the main ways funeral directors serve grieving families during a time of loss.

Funeral directors are event planners, caregivers, and administrators. Often, they are also embalmers, caring for a loved one’s body. In many ways, funeral directors are guides to families during a very confusing and difficult time. For instance, funeral directors are there to offer comfort, advice, guidance, and insight to families during the entire funeral planning process. Here’s a look at what funeral directors do every day to serve families.

Creating a Healing and Meaningful Funeral or Memorial Service

Primarily, a funeral director’s role is to help the family create a personalized and meaningful funeral experience. A good funeral service brings healing to the grieving while honoring the final wishes of the person who has died. So, a funeral director’s main job is to help the family grieve the loss of a loved one while also ensuring that the deceased’s body is cared for with dignity and respect.

The following list covers the eight primary duties that funeral directors perform every day with great dedication and attention to detail.

1. Care for and prepare the body of the deceased for final disposition

Firstly, the funeral director will coordinate the transfer of the deceased into the care of the funeral home, day or night. Then, they will direct and supervise the work of embalmers, funeral attendants, death certificate clerks, cosmetologists, or other staff.

Preparation and care of the body may include all of the following:

- Washing of the body
- Embalming preparation
- Restorative art
- Dressing
- Hairdressing
- Cosmetology
- Casketing

If cremation is chosen, the funeral director will oversee the cremation and return the cremated remains to the family. In cases where the body must be transferred out of state, the funeral director will coordinate the transfer of the body to the final place of rest, in accordance with the applicable laws and regulations.

Finally, the funeral director will offer the family options for caskets, urns, burial liner/vault, and cemetery space, as applicable.

2. Plan the funeral with the family

Next, the funeral director will meet with the family for the arrangement conference. During this time, the funeral director can get to know the family and educate them on how to plan a healing and meaningful service.

To create a personalized service, funeral directors listen to the family and offer ideas, insights, and advice. During this time, the funeral director will share the elements of a meaningful funeral and offer suggestions for visitations, gatherings, readings, music, eulogies, symbols, and healing actions.

In addition, funeral directors incorporate funeral customs based on the family’s preferences. Personalization may include traditions of faith groups and/or civic organizations, military honors, or cultural rites and rituals.

Most funeral directors are able to offer a variety of options to suit the family’s needs. Funeral directors are there to answer any questions the family may have and help them make choices that are right for them. That way, the funeral or memorial service brings comfort and peace to all who mourn the loss.

3. Coordinate all the details behind the scenes

In addition to helping the family plan the funeral experience, funeral directors perform various duties behind the scenes. For example, funeral directors usually:

Prepare and submit obituary information to media outlets as needed
Help the family coordinate with clergy or celebrants, a venue for the service, and musicians
Ensure that clergy or celebrant and musicians know where to be when and that they receive an honorarium for their time
Help order funeral sprays and other flower arrangements as the family wishes
Ensure that the funeral, memorial, and/or graveside service venues are properly prepared
Coordinate any cremation or burial processes
Make sure that the funeral service is streamed live or digitally recorded, if the family wishes
Provide additional memorialization products; for example, a register book, prayer cards, acknowledgment cards, and funeral folders
Coordinate a police escort for the funeral procession
Handle all memorial contributions presented to the family

4. Take care of permanent memorialization needs

Next, the funeral director helps the family consider permanent memorialization needs. For instance, they may discuss options such as a cemetery plot, columbarium niche, plaque, grave marker, deciding on where to scatter ashes, and more. As part of their role, the funeral director will help you review your options and choose what fits best for your family. Then, they will help with the details. A funeral director will:

Schedule the opening and closing of the grave with cemetery personnel
Help the family choose a casket, urn, burial vault, and cemetery plot
If scattering is chosen, they will offer location options and suggestions
For a graveside service, they will:
- Provide transportation for the remains, primary mourners, and flowers between sites
- Coordinate with the cemetery to prepare and decorate the site for the service
Make sure gravestones or grave markers are ordered and placed in the cemetery

5. Assist with legal documentation

After losing a loved one, there are a lot of legal documents to complete and file with the state or federal government. However, the funeral director will take the lead on some of this documentation, ensuring that everything is taken care of as needed. For instance, the funeral director will:

Submit documentation for an official death certificate
Help the family obtain certified copies of the death certificate
Request cremation or burial authorization documents and permits
Explain the benefits available through Social Security or the Veteran’s Administration
Assist with submitting claims for prepaid burial plans, insurance policies, or annuities on behalf of surviving family members
Stay informed on any policies, regulations, or laws to ensure that funeral service operations are in compliance

6. Share grief resources

After the funeral or memorial service, the funeral director may continue to check in with the grieving family to see how they are doing. As the funeral director listens to and assesses the family’s needs, they may:

Provide grief assistance and grief resources
Connect the families and friends with local grief counselors
Share support group activities in the area

7. Help families plan ahead

While most of a funeral director’s responsibilities occur after a loss, not all do. For instance, they do often help families record funeral wishes ahead of time. Planning ahead for funeral wishes can be extremely helpful to loved ones. The more your family knows about your final wishes, the easier the funeral planning process will be after you’re gone. At the time of loss, many families are plagued by the question, “Did we do the right thing?” It would be so much easier if they knew exactly what you wanted. This is why funeral directors actively work with families to create a written plan that will benefit surviving family members. The funeral director will:

Ask questions about your wishes
Determine whether you prefer cremation or burial
Review casket, urn, and grave liner/vault options
Go over permanent memorial options
Share the benefits of having a healing and meaningful service
Brainstorm ways to personalize the funeral or memorial service
Gather vital statistics information
Review veterans’ burial benefits, if applicable
Discuss payment options (if you would like to pay in advance to save your family from the expense in the future)
And more!

8. Run a small business

Lastly, a number of funeral homes are family-run businesses, and funeral directors may need to wear a few different hats. When they aren’t assisting families, the funeral director may need to:

Work with various vendors such as florists, caterers, and cemeteries to fulfill the family’s wishes
Submit death certificates to the state
File necessary documentation and permits
Complete billing, bookkeeping, and payroll duties
Keep accurate records of inventory
See to any last-minute details for the family
Other duties to keep a small business running

As you can see, funeral directors do quite a lot. While there may be some things you’d like to do yourself, the professionals are there to take care of you! They know exactly what is needed and can make everything a little easier.

*NOTE: This article seeks to list the vast majority of the responsibilities of a funeral director, but it’s not comprehensive.

May 03

Love0

White casket with flower spray of red roses resting in the back of a funeral car

How to Select Pallbearers

By christy.kessler Explore Options, Planning Tools

When choosing burial, there are many decisions to make, including whom to select as pallbearers. Whether you’re prearranging your funeral wishes or planning a funeral for a recently lost loved one, it’s important to select pallbearers who can fulfill their duties with poise and dependability. Let’s talk through a few things to consider as you select the pallbearers who will accompany the casket to the graveside.

What to Consider When Selecting a Pallbearer

Pallbearers (usually there are six to eight, depending on how many handles the casket possesses) are expected to carry the casket to the burial site. Sometimes this responsibility may include carrying the casket into or out of a church or venue in addition to carrying it to the funeral car or the graveside. Both men and women serve as pallbearers. As you consider whom you’d like to invite to perform this honorable duty, consider the following:

What is their relationship to the family?

In most cases, people close to the deceased are chosen to carry the casket to its final resting place. This includes friends, neighbors, adult children or grandchildren, or business associates or co-workers, to name a few. Because they are close to the person who has died, you can usually trust them to complete their duties as pallbearer with the correct amount of decorum and composure.

Do they have the physical strength required?

While you can select absolutely anyone to serve as a pallbearer, remember that a casket can weigh between 50-500 pounds just by itself. Whomever you choose, make sure they are physically able to carry their portion of the weight. You may also take height into account, especially if the casket will be lifted and carried on shoulders. If there’s someone you’d like to serve but they are unable to lift the casket, you can always ask them to serve as an honorary pallbearer and walk alongside the casket.

Are they dependable?

Though the duties are straightforward and simple, you still want to select pallbearers who are dependable and responsible. The last thing you need when you’re grieving the loss of a loved one is a flaky pallbearer. Acting as a pallbearer is an honor so choose people who will take the responsibility seriously, follow directions, and complete their duties with grace and poise.

Are they able to manage their emotions?

While it’s absolutely necessary and healthy to express feelings and emotion following the loss of a loved one, you’ll want to select pallbearers who can keep it together while performing their duties. A sudden emotional outburst could be disruptive or cause an accident that might make a sad situation even worse. Before or after their duties, all pallbearers should make sure to address their own feelings of grief, but while carrying the casket, they should do everything they can to ensure that they transport the casket safely from place to place.

Do they listen well to instructions?

While a pallbearer’s duties are often straightforward, each funeral may have personalized aspects. For some, the pallbearers carry the casket from the chapel to the funeral car and then to the graveside. For others, they may carry the casket into the venue for the service, then out to the funeral car, and then to the graveside. There may be a designated place for pallbearers to sit, a specific time to arrive, and so on. When you ask someone to serve, make sure they understand what’s expected of them and can follow through.

With these questions in mind, intentionally select the best people for this meaningful role in the funeral service. If you are unable to find pallbearers, the funeral director can help. Also, it’s a good rule of thumb to send each pallbearer a thank you note after the funeral to show your appreciation for their role in conducting your loved one to a place of final rest.

Mar 01

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5 Alternative Methods of Final Disposition

By christy.kessler Explore Options, Plan Ahead, Planning Tools

Choosing which method of final disposition is right for you is a very personal decision. For some, burial is most desirable, while for others, cremation is best. There is no wrong decision – only the best decision for you and your family, based on your values. That said, some alternative final disposition options do exist. While these are not the most common choices, they may be right for you and your family. After all, it’s always helpful to know your options. Let’s review them together.

5 Alternative Methods of Final Disposition

Natural/Green Burial

Both green and natural burials focus on allowing the decomposition process to occur naturally. This means that there is no (or very limited) embalming, a biodegradable coffin or shroud is used, and there is no outer burial container. However, there are differences pertaining to the place of burial. For a green burial, the body must be buried at a cemetery specifically sanctioned for green burial that is maintained without the use of herbicides, pesticides, or irrigation. On the other hand, a natural burial can take place on private land (subject to regulations) or in any cemetery that allows for vault-free burial.

Water Cremation

With water cremation (also called alkaline hydrolysis), the body is placed in a pressurized steel container with a solution that is 95% percent water and 5% potassium hydroxide before being heated to 350 degrees. The body breaks down until only the bones remain. In essence, water cremation speeds up natural decomposition by about 20 years. Like traditional cremation, the bones are ground into a powder and given to the family for memorialization. This method is not available in all states yet. To determine if water cremation is an option for you, speak with a funeral professional.

Burial at Sea

Burial at sea has a long history and is one of the oldest types of funeral ceremony. Today, there are two ways to request burial at sea: through the U.S. Navy or through a civilian charter company. Both full-body burial and scattering are available options. As a specialized service, burial at sea is subject to very specific regulations, so it’s best to prepare ahead of time with a funeral professional and make sure that all the details are taken care of according to your wishes.

Anatomical Donation

Anatomical donation typically refers to the donation of the whole body to medical or scientific research. However, in some ways, anatomical donation is not a true final disposition. After the research is complete, they cremate the body and return the ashes to the family. At that time, the family must decide how to honor the cremated remains, whether by burial, scattering, placement in a niche, or some other means. However, if you wish to help further scientific advancements, this may be a great option. Click here to learn more in-depth information about the anatomical donation process.

Recomposition

A new option currently only available in Washington, Colorado, and Oregon is the process of recomposition. In simple terms, the deceased body lies outdoors in a protected area, covered with natural materials like straw or wood chips. The straw or wood chips hasten the rate of decomposition. Once the body breaks down, it becomes part of the soil. Then, the soil goes to the family, who can decide which memorial option is best for them. For instance, they could plant a memorial tree. While composting the human body won’t be right for everyone, for some, it may offer a method of final disposition that meets their core values, especially if they want an option that is less harsh to the environment.

No Matter What, Remember the Importance of Ceremony

No matter which method of final disposition you choose, remember the importance of celebrating life. Every one of us is unique, and our lives are worth remembering. According to Dr. Alan Wolfelt, respected grief counselor and educator, “People who take the time and make the effort to create meaningful funeral arrangements when someone loved dies often end up making new arrangements in their own lives. They remember and reconnect with what is most meaningful to them in life…strengthen bonds with family members and friends. They emerge changed, more authentic and purposeful. The best funerals remind us how we should live.”

The end goal of a healing and meaningful funeral or memorial service is to give people the opportunity to confront their emotions and begin the grief journey on the right foot. Personalization is key to a meaningful ceremony. The ceremony itself accurately reflects the life of the one who has died and touches the hearts of those who mourn. And because the ceremony is meaningful, because it is personal, mourners experience healing. After the funeral, they start their own individual grief journey. This journey may take weeks, months, or even years, depending on the degree of loss. But it all starts with a personalized ceremony – a healing and meaningful funeral or memorial service.

No matter where your body finds its final rest, remember to give others the opportunity to mourn you, remember you, and most of all, celebrate who you are and what you mean to them.