Pre-Planning

Pre-planning or pre-arranging a funeral or cremation is usually done for two main reasons:

1. To help your survivors.

  • The task of planning a funeral may fall to survivors who have little or no warning and may be unprepared to plan a funeral.
  • Discussing your wishes with family is essential as it affects them most directly.
  • Funerals are for the living. Leave your requests flexible to allow your survivors to plan a funeral that best meets their emotional needs.
  • There are no shortcuts to grief. A meaningful, personalized funeral or memorial service will be an important occasion for the family to share memories and begin the grief process.

2. To pre-fund your funeral.

  • Avoids financial expense to family members at time of the funeral.
  • A pre-funded funeral plan may be exempt from Medical Assistance asset limitations. Many options are available.
  • The two most common plans are:
    • Irrevocable Insurance Policy
    • Irrevocable Bank Trust (Certificate of Deposit)
  • Funerals can be partially or fully pre-funded through life insurance or funeral trusts.

Each person’s situation is individual and unique. To determine what options best suit your needs, call us in Mora at: 320-679-1933 or in Braham at: 320-396-2121, and make an appointment  to discuss pre-arrangement.

katy Tester webphoto 2Katy Hamilton, Licensed Funeral Director, MN Insurance Agent. Katy works with our firm as a funeral director and also assists families with pre-planning and pre-funding their funeral or cremation service. She has helped many families through the pre-planning and funeral process.

Helpful hint: Before you come in for an appointment to make pre-arrangements, make a list of your questions and concerns. We will go over your questions with you and make sure that each question is answered satisfactorily.

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