Every day for the final three weeks of his life, the ailing King Charles V of Germany and Spain demanded to have a funeral service and to be carried around in the coffin that would eventually be used for his burial. After all, funerals are for the living, right?
Though you won’t likely be able to persuade friends and family to go that extra mile during your last days, one of the perks of prearranging your funeral is that you can have things the way you’d like them.
“Most men who come in to prearrange their funerals are cost-motivated,” says John H. Brubaker, a funeral director in Catasauqua, Pennsylvania. “But then some find that they like being able to personalize the service.”
Brubaker has seen his share of funerals “American-style.” “People are buried with all sorts of things,” he says. “Golf clubs, cigars in their pockets-you name it.” The music is another place where folks like to add a personal touch. “One man loved Elvis, and that’s what they played,” recalls Brubaker. “Another was a member of a polka band, so we had some polka music playing softly in the background. It’s a celebration of a life well-lived.”
The potential to have it your way aside the biggest benefit of prearranging your fu is saving your wife and kids the enormous burden and expense at a time when they’ll ready be carrying a heavy load.
When you consider the professional vices such as burial preparation, transports and facilities as well as the casket, vault, church expenses, flowers, and other funeral merchandise, the average cost of a funeral and burial is between 5,000 and 6,000 dollars plus the cost for the grave site, Brubaker says. And prices m; vary depending on where in the country you live (and die). Even a simple cremation service runs between 1,000 and 4,000 dollars. And that’s without having your ashes spread over Wrigley Field.
“What we do is take the exact figure ñ what a funeral would cost today and invest ii an interest-bearing account-like a CD (certificate of deposit), a master trust fund, or life insurance-which makes up for inflation,” explains Brubaker. “Generally, there’s more money in the fund at the time of death than is needed. In that case, the family gets the difference. In the rare event that there isn’t enough money, we pay the difference.” Not all companies work this way, Brubaker adds, so make sure that you find out whether yours does before signing on the dotted line.
The best part is that once it’s done, it’s done, says Brubaker. “Once you make the arrangements, it’s all taken care of. And you and your family never have to worry about it again.”
That said, with the rise in funeral pre-arrangements has come a rise in people getting ripped off, says Brubaker. Keep the following ii mind when you’re prearranging those final touches.
Get it itemized. In 1678, the funeral bill for a Hartford, Connecticut, man who had drowned included a pint of liquor for the men who dived for him; a quart for those who brought him home and more than eight gallons of wine and a barrel of cider for the funeral.
Not what you had in mind? Then get an itemized bill. It’ll keep you from paying for what you don’t want-or get.
Fill in the family. The idea of prearranging your funeral is to give your family peace of mind. So once you’ve made arrangements, let everyone close to you know that you’ve made your plans and outline what they are, Brubaker says. Better yet, include them in the arrangement-making. It sounds a tad morbid, but if you’re already planning your funeral, it might not hurt to ask their feelings on the matter. After all, funerals are as much for the living as they are for the dead.
Update as necessary. Playing (I Can’t Get No) Satisfaction during your wake may have seemed like a good idea 10 years ago, but now you’re thinking more along the lines of Beethoven’s Ninth Symphony. No problem. You can rearrange your prearrangements as you see fit, says Brubaker. Just let the funeral director in charge know, and make sure that the change is put in writing. “It’s also a good idea to let your family know about any changes you make,” Brubaker adds.
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