PRE-PLANNING & PRE-ARRANGEMENTS

Prearrangements have become a practical way of informing your family of your personal wishes.
There are tremendous benefits to pre-planning your funeral. Pre-planning will relieve the emotional
and financial burden from your loved ones. It will provide you with the opportunity to express your own ideas and preferences and include your family in the decision making. This allows you to personalize your funeral and make it a celebration of your life.

PRE-ARRANGEMENTS:

An individual need only complete an information sheet at no additional fee and go on file with us until our services are needed. For many people this allows peace of mind for everyone concerned and payment is taken care of at the time of death.

FORETHOUGHT FUNERAL INSURANCE:

An insurance policy is issued in the amount of the pre-arranged funeral expenses. This is payable to our firm when our services are rendered. The advantage is a guaranteed fixed rate of interest and there is no taxable interest to declare yearly. The insurance licensee/funeral director that writes the policy earns commission. As with all life insurance, penalties will be incurred for early cash surrender before death.

NJ PREPAID FUNERAL TRUST FUND:
Your money is pooled with thousands of other accounts.  The interest over time should help offset the cost of inflation.  The NJ Prepaid Trust Fund places your money in an FDIC insured account.

FUNDING THROUGH EXISTING LIFE INSURANCE:

This allows the consumer to layout no money. Your existing paid life insurance policy is assigned to the funeral home to pay expenses at the time of death.

*NOTE*
All pre-arrangements in New Jersey can be canceled or transferred to other funeral homes. Consumers are never locked in until the time the funeral is rendered. All pre-paid funds must be interest bearing and beneficiaries named to receive funds in excess of funeral expenses. Prepaid funeral funds are one-hundred percent trusted.