Montgomery & Steward Funeral Directors, Inc.
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Pre-planning Frequently Asked Questions

What is Pre-planning, or Pre-arrangement?

When you plan in advance, you are making choices now based on your wishes as to how your final arrangements will be carried out. Thus, you can reduce family concerns at the time of your death.

Why Pre-Arrange?

Once you’ve made your decision, you tell us exactly what funeral service you wish. We’ll help you put it in writing. Then there’s no doubt about your expressed wishes, therefore preventing family disputes or involvement by others who may not know what you wanted. Your loved ones won’t need to ask: Did we do the right thing? Did we spend too much or too little? Is it what he or she wanted? Did we forget anything? All that’s eliminated because it’s in writing.

What do I need to do to pre-plan?

At your convenience, you can meet with a member of our staff to discuss your options and your preferences. When you make arrangements in advance, you’ll want to consider your site of choice, the committal service, and the type of permanent memorial. By making some or all of these decisions now, you give your family peace of mind, and also benefit financially.

What are the advantages of advanced planning?

There are many advantages when you take care of your final arrangements in advance. The most obvious benefit is financial, but there are a number of emotional benefits, too. When you make arrangements in advance you have a better opportunity to make informed choices. If you decide to prepay, you guarantee today's prices, and can take advantage of affordable payment plans. We can provide additional professional advice on pre-planning and prepaying.

What is the difference between pre-paying and pre-planning?

When you pre-plan, you do not need to pay for everything in advance—your estate can pay for the services at the rates being charged when your funeral is held. When your plan is complete, the funeral director will keep it on file until it is needed. However, if you pre-pay at the time you make your pre-arrangements, you can lock in today’s prices. We offer several affordable payment and investment options. We’ll be happy to discuss these options with you and help you make a decision that best suits your needs.

What are my payment options?

Montgomery & Steward offers a variety of flexible options to fit your needs such as an “Early Paid-Up” option and a “Death Away from Home” rider.

Where does the money go which I pre-pay into a plan?

We offer United Heritage funeral policies. A United Heritage funeral policy offers an increasing, tax-free death benefit and may protect you for the full cost of your funeral. With our help, your pre-arranged funeral may be funded by a United Heritage funeral policy. This will eliminate many questions, indecision, and the financial burden when these services are needed.

What If I Move To Another State?

It is not uncommon for people to relocate in this mobile society. Because this is an insurance policy, you may change the assignment or beneficiary (when state laws permit) to another funeral home.

What if the cost of the services/products I pre-pay is greatly increased at the time of my death?

Once you pre-pay for a site on our property, the terms both parties agree to are permanently in effect. For other types of services, the cemetery cannot guarantee that the fund of money established by the purchaser will be sufficient to purchase those services. However, the interest earned by a fully funded account should offset any reasonable price increase.

What if your cemetery is no longer in business at the time of my death?

Because your money is held in a certified Trust governed by state law, it will always be there for you, even if our business were to be purchased or go out of business.

What information will I need to provide on the On-line Pre-planning/Pre-arrangement Form?

This easy-to-use form should take only a few minutes to complete and will require contact information, and your site/property and memorialization preferences. You’ll have the option to select services, based on your preferences and the associated costs. View or complete the On-line Pre-arrangement Form now.

These are just a few of the reasons why people preplan and prefund their funerals. Please contact us to answer your questions and concerns on preplanning. Or, you can complete our easy On-line Pre-arrangement Form now.

go to Pre-arrangement form

 

              
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