She is to be cremated. I have already prepaid for a nitch for her on the advise of others . I realize that this prepayment avoids paying higher rates later on but I have difficulty coming to terms with making funeral and cremation arrangements as she could live for many years with good care. Does anyone have any experience with this?
You also have to consider if the business will honor it's commitment or what if it changes hands? I am too fond of prepayment plans in general because there are too many variables.
However, if the business has been around a long time and has a good reputation, you may want to consider it. I suppose prices will only go up.
Thank you again! Blessings
When my dad died, it was a nightmare. I was much younger and had been caring for him (congestive heart failure and cancer) and he just suddenly dropped dead at 1:37 on a monday morning when he was to go see the doctor that day. My mother fell to pieces and I had to choose a funeral home out of the phone book in the middle of the night that turned out to have a creepy owner who made fun of the dead people including my dad. We did not own a funeral plot. I had to go with no sleep after finding Daddy dead and look at caskets, vaults, liners, etc and go order flowers and arrange for music as well as get a funeral plot bought and paid for and arrange grave diggers, etc. I also had to notify people, care for my devastated mother, etc. It was a nightmare! I don't wish that on anyone. Also, this funeral director wanted $7,000 upfront. I had to battle him and then battle the insurance company who did not want to guarantee the money since it turned out the insurance agent had sold the policy but never turned it in to the company and was collecting the premiums in person each month and so there was NO life insurance coverage. I had to take them to court and it was 3 years and a trip to federal court in the end for insurance fraud before I could get the money back. If I could have known about pre-planning and pre-paying then, I would have done it in a heartbeat when I was not in grief and when I could take my time and make careful and thoughtful choices.
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