Utah Insurance License Number: 88816         Pre-Need Sales Agent Number: 325672-5802

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This agency only works with local, privately-owned funeral homes. This means you will be dealing with a trusted member of your community, not some distant corporation only worried about a bottom line.

Why Memorial Estates and Security National Life Are Only "About the Money"


Facts about your burial arrangement company they don't want you to know.

Security National Financial Corporation is the parent company of Memorial Estates, now better known as "Memorial Utah." It has seven funeral homes and five cemeteries in the Salt Lake area. You may have bought your cemetery plots, vaults, and a grave marker from them. You may have had family members taken care of by them when they passed away. You probably have not experienced any problems with this "chain operation." But, on the other hand, you may have, or you may have heard as many complaints about the company as I have.



I have evidence that SNL and Memorial, as is typical of chain operations, put money before the needs of families, particularly low income families and elderly people on fixed, low incomes who may also be buried with medical bills. They recruit sales agents on the basis of profits, commissions, and bonuses. Below is a postcard I get, as a licensed agent, from SNL every so often. It says the same thing every time. "We care most about making money! Join us." I have "rescued" a few senior couples (but not enough of them) who were conned into expensive plans by experienced salesmen with "money in their eyes." These salesmen will have their reward in the end for taking advantage of those of advanced age. This will never happen to you, if you follow the advice on this page and the rest of my Web site.








The SAD TRUTH About Memorial Estates and the Other Chain Operations

Over the past few decades, large publicly traded companies have been purchasing funeral homes across the United States. The largest conglomerate purchaser is SCI—Service Corporation International. The early 1990’s saw hundreds of family operated funeral homes across North America brought into the fold of large multi-national firms. Media reporters such as 60 Minutes, Time, and US News and World Report conclude that these death care business operations, while trying to maintain the facade of a “family operation,” quickly increase prices considerably and enforce merchandising policies on employees geared to significantly increase their bottom line profit. To mention only a few that have been “bought out” in the Salt Lake area by publicly traded chains are: Wasatch Lawn, Memorial Estates, Valley View Memorial Park and Funeral Home, Holladay Cottonwood Mortuary, Deseret Mortuary, Lake Hills Cemetery and Mortuary, Evans and Early, and numerous others—all previously family-owned businesses. These are all now “chains.”

I wrote a total of 388 burial contracts for Valley View Memorial Park between 1992 and 1997 when it was owned by the Winder family. I also wrote a good number of burial plans for Memorial Estates between 1997 and 2009. You are not required to use them for your funeral arrangements.





Chain operations are usually the first to engage in the plague-like practice of “price fixing,” business practices which aim to keep funeral costs high.

I’ve studied the funeral industry while working in it, as well as the health and life insurance industries as an agent/broker, for over 22 years. The reality is that funeral homes are engaged in “price fixing,” and they continually raise prices year after year and lead consumers to believe that they have no choice. (See Wall Street Journal article).



How Some Funeral Plans Help Senior Citizens Go Broke

REALITY: You have many high quality, low price choices the chains don't want you to know about.

I have caskets and services available that the chains will never show you and don’t want you to know about. Batesville is the largest supplier of caskets in the world.




Use Costco as a benchmark when trying to decide how much a casket should cost. They got in the business because funeral homes have been over-charging for caskets for too long, and people aren’t going to put up with it any more! I have caskets available for pre-purchase at prices comparable to Costco. Remember, with Costco there is no layaway plan—you have to pay in full. My plans allow you up to ten years to pay.

SCI charges approximately the same prices at their Salt Lake area facilities: Wasatch Lawn, Valley View Memorial Park and Funeral Home, and Evans and Early.



Is Funeral Home CHAIN SCI's Growth Coming at the Expense of Mourners?

10 Facts Funeral Directors May Not Tell You

Below is a survey I did in February of 2015 of funeral homes. It shows you what Salt Lake area facilities are charging for traditional funeral services at a church or mortuary chapel, graveside, or cremation only with no services. There are other possibilities, but these are the three main categories.

(CH) means the company is part of a chain and (P) means it is privately-owned.



(These packages are WITHOUT a casket, burial vault, obituary, grave opening, etc. This is for a full traditional funeral service only). Below are what these packages usually include:



Funeral homes don't do these types of surveys and show them to prospective customers. I do. So should you. NOTE: Don't pay the prices in the above examples. Shop for better values.

And one important point: If you own plots at a facility that has a funeral home, you are not required to use them for your funeral.

There is a distinct difference between private funeral companies and those owned by publicly traded companies.

Why “Chains” Are a Big Risk For Your Family


1. Pricing and profits are too often more important than service. Chain funeral homes are normally “publicly traded companies,” which means they are accountable to their stockholders for continued profit year after year. This frequently means continual price increases, year after year.
2. Most of them don’t give you a discount on services if you use your church instead of their building. They claim it’s just as much or more work for them to use your church. The reality is that they want to charge you the higher price for services, because it is the price they need for high profits. But even private funeral homes do this.
3. Chain funeral homes have a higher turnover of employees, and that includes morticians/ funeral directors, salespeople, and managers. This translates into lack of long-term consistency of service and a higher probability of errors being made at your family’s expense.
4. Chain funeral homes most often force you to use their funding companies, insurance companies that are part of the same larger conglomerate corporation, no matter how expensive it is for a plan. Privately owned funeral homes, on the other hand, often offer you multiple funding sources. They usually have no vested interest in the company they use. They simply use whichever they feel is best for the family or for themselves.
5. You’re more likely to get “cookie cutter” service than service that meets your family’s exact needs and wants. And this can include casket price fixing.

Why Use A Privately-Owned Funeral Service Company?

Why is it preferable to choose a privately-owned or family-owned funeral home or funeral service company? There are many reasons.

Here are just a few:

1. Privately-owned providers tend to use the same people year after year, doing the job the same way. They are less prone to turnover of personnel, and key people such as funeral directors are hand-picked and interviewed thoroughly by the owner(s)
2. They are concerned with good will and their reputation in the community.
3. Private companies are more ready, willing and able to work overtime to get the job done right at no extra charge to you. In public companies, employees won’t be as likely to go the extra mile to get things done—especially if they won’t be getting paid any overtime pay.
4. Many privately-owned funeral homes have been in business a very long time. Two examples in the Salt Lake area are Goff Mortuary and Jenkins-Soffe Funeral Home/Crematory, which both started the same year, 1915. Tradition of high quality service is important to many companies that have been around a long time.
Even though many public companies have also been around a long time, profit seems to be more important than integrity and reputation.
5. Even though public or chain funeral homes have caring people, you’re more likely to get individual attention to all the important details from a private company.
6. Pricing is done on a more reasonable basis with privately-owned funeral service providers. It is not done at the “corporate” level by managers who only look at financial statements and never deal with families at the time of need.
7. They aren’t as likely to make radical changes in how things are done or in pricing when ownership remains the same. In publicly-traded funeral companies, a new manager could be put in place with ideas drastically different from his predecessor and it could adversely affect business and the community, and it could also mean ghastly price increases.

Do the Right Homework

Don’t ignorantly let the over-priced funeral plan market clobber you due to your age and health history or health status. Don’t buy over-priced funeral plans, especially those that don’t give a discount for using your church or don’t give you early payoff discounts.

I highly recommend this Comprehensive Funeral Planning Guide produced by MetLife, if you really want to do a thorough job of planning. Click either link below to download an editable PDF.

MetLife Comprehensive Funeral Planning Guide (Editable PDF)
MetLife Comprehensive Funeral Planning Guide ( Editable PDF) Alternate Source

We can collaborate so that NO MISTAKES are made and no money is overpaid. That‘s the bottom line. I focus exclusively on your true needs and wishes instead of focusing on how much money I’m going to make for the funeral home or myself. I am only interested in showing YOU how to profit.

I just finished an analysis that shows typically how much senior citizens OVERPAY for guaranteed pre-paid funeral plans. An example is a funeral that costs $7,500 for a full funeral service and casket (already over-priced)—and that’s if you pay CASH. If you pay for the same funeral plan over ten years, you’ll pay on average around $15,000! DON’T DO IT! Learn the details.

You should always evaluate your funeral plan needs in terms of what YOU want and need, not what the funeral home tells you is available. If they don’t have what you are looking for, move on to a business that does. In your home I zero in on exactly what YOU want, not what I think you should have. Too many funeral home representatives act as though they care sincerely about your wishes, when in fact they are leading you all the way to the funeral plan THEY want (the one that makes them the most money) while you end up with a total payout of $7,000 to $15,000 just for a funeral service and casket. This doesn’t have to happen to you. I have an interactive questionnaire online, which I recently added to help get you thinking more seriously about what YOU want, not what a funeral home will say you must want. In addition, you can print out various other worksheets that will disarm any representative when they see you are doing your own figuring and homework.


THE RIGHT WAY TO FUND A FUNERAL



NGL Funeral Expense Trust Summary of Benefits

· NGL’s plans cost less than other funeral funding companies.
· No penalty for Early Payoff. One year payoff is “same as cash” or less if less than one year or single payment.
· Certain costs are frozen and guaranteed with the guarantee form. Other costs are estimates and can be paid for with increasing cash value.
· You can’t lose your money. It remains in the NGL Funeral Expense Trust until need. No money goes to a funeral home until time of death.
· You have a growing cash value and increasing death benefit as long as you’re alive. All growth is tax-free.
· Funeral home can be changed any time during your lifetime.
· Funeral home can only keep death benefit and cash value growth up to their interest in the money, i.e., up to what they’re charging at the time of need. Any money left over must be refunded to the family.
· Your plan is a protected asset from creditors, hospitals, lawyers, Medicaid spend-down, etc.
· 30-day free evaluation from the time the plan comes in the mail
· You can change how the money is used in any way, as long as it’s related the burial, funeral, cremation of the insured. For example, at the time of need, a casket can be purchased anywhere. Plans can be used for cremation if previously burial without cremation.
· Future health conditions don’t affect your benefit amount
· You can reduce the amount of the plan within 30 days and increase it within 90 days.

This is the type of funeral funding plan the CHAINS don’t want you to know about! Now you know.

If I set up this type of plan for you in an amount you choose ($3,000 to $5,000 for example), I can at the same time give you the right set of instructions for your family so that you don't over-spend on a funeral or anything related. I can make sure that no more than $4,000 to $5,000 goes toward a funeral service, casket, and other miscellaneous items--and 70% of your costs will be frozen or guaranteed. I explain how this is done on other Web pages on this site.

If casket and services are your only concern and you wish to freeze (guarantee) today's costs, your best choice is the NGL Funeral Expense Trust in combination with a contract with a high value, low cost funeral service provider such as Premier Funeral Services or another similar provider I've contracted with. You choose the funeral home that is the best value for your family. We zero in on a death benefit amount (such as $2,500 to $5,000) that will cover nearly everything with that funeral home. With the right plan, even with a ten year payment plan, your monthly outlay can be no more than about $30-45. I have the best funeral plans in the Salt Lake area. Nobody even comes close. Don't even meet with any sales reps from high-profile funeral homes.











I have represented and funded for many funeral homes since 1992. In every case, we used some form of "Memorial Guide," "Record Guide," or other planning guide to put your final wishes and preferences all into one place. A very good one that I recommend is Met Life's Funeral Planning Guide (click here to download PDF). It is very thorough. They offer this when they promote their final expense and group insurance. Over the years, however, I have found it is additionally beneficially to have a one page summarization (which is not intended to replace a more comprehensive document). The reason for the one page summary is to make it easier for your family to look at one piece of paper with the most important information first. It is also easier in most cases for YOU to think about the most important information first and then to elaborate later. I help you do this with a blank worksheet you can start filling out. If I meet with you, I will take a copy and then put it into printed, easier-to-read form. In addition, I will put a photo of your casket selection on the same page, so when the time comes no one is relying on a written description of what you wanted. Rather, they will see clearly what casket you preferred.

There are some other important reasons for having a final wishes summary on one sheet of paper. The most important is to prevent your family from making mistakes, especially costly mistakes. What types of mistakes can happen? They can overspend. This can occur quickly and easily if they choose the wrong funeral home. It is a typical mistake for your family to assume they should be arranging your funeral with the same company where your burial plots are if there is a funeral home at that location also. Examples are Wasatch Lawn, Valley View Memorial Park, Larkin Sunset Gardens, Redwood Memorial, Lake Hills Memorial, Mountain View Memorial and Lakeview Memorial. These are all combined cemetery/mortuary facilities. But they may be way out of your budget for funeral arrangements. If you don't instruct your family with the words, "At time of need contact: The Correct Funeral Home," they will automatically assume you want to use the funeral home where your plots are.

The first bits of information under VITAL STATISTICS are for your death certificate. Your survivors may not know or remember your marriage date, etc. Fill this section out first. Social Security number is optional, but it is required at the time of death. You'll also need it to file for the $255 Social Security death benefit.

MILITARY RECORD is very important if you are a veteran, because you are entitled to certain benefits if you served with an honorable discharge. One item of considerable expense which veterans get for free is a headstone/marker for your grave, which today for a single person averages around $1,500 to $2,000. See Update on Veteran's Benefits.

Decide whether you want a funeral service with a viewing. Remember that with providers such as Premier Funeral Services, Serenity, and numerous others throughout Utah, you pay much less for having a church service or a graveside service instead of at a mortuary's chapel. Remember that most of the high-profile funeral homes don't give you a discount for using your church, but they will give a small discount for a graveside service. If you decide to use Premier Funeral Services (which could later be changed), be sure to fill that in under "At time of need contact." The details of the funeral service with respect to music, flowers, etc. can be added later, but be sure to indicate who would be in charge of the funeral, such as oldest child, bishop, etc.

Selecting the casket style, make, and even model is relatively easy. You can draw the line on cost when you fill in this section. You can either go to my caskets page or go to Walmart or Costco's Web sites. You will find the quality you are looking for at the best prices. Don't visit a funeral home's showroom to shop for a casket. You will be wasting your time.

The INSURANCE FUNDING section is where the money to pay for it will come from. If you are freezing costs with me, this would be National Guardian Life. We would meet to work out the face amount and payment terms.

Under INTERMENT REQUESTS, indicate whether and where you have burial plots and if a burial is your preference. If you plan to be cremated and not buried, it would be best not to indicate where you have burial plots. Again, a mistake could be made costing more money if your survivors thought burial was part of the plan. Indicate also whether a vault is already paid for if you're having a burial, as well as grave marker. A grave marker is the last (optional) thing you need, so you can leave this blank for now.

And that's it. The more detailed information can be added later on another document. I have NGL's Record Guide, which is a folder with many other details you can outline. Once the Final Wishes Summary is done, make copies and distribute to your family right away. You're that much closer to peace of mind.







No Funeral Home Pays Me Any Money

I make less money showing you better alternatives, but that's just the way it goes. This money is paid to me by the funding company I use, National Guardian Life. Funeral homes pay me nothing. No bonuses or commissions are paid to me for promoting any particular funeral service provider.

I have my choice of which funeral homes I can represent. These days, I am very picky. I no longer can be lured by bonus money offered by the expensive funeral homes. Let them and their agents bilk seniors. I am only interested in giving your family the best deal for your money, period. I have a handful of funeral service providers (homes) that I would highly recommend.

ARE YOU WORRIED WHERE YOUR MONEY IS GOING WITH FUNERAL PLANS?

The law is very strict. You can’t pay any money to a funeral home until someone has passed away. This means, in the meantime, your money has to stay deposited somewhere else until the time comes. 90% of all prepaid funerals are funded by life insurance companies who are specifically in the final expense and funeral funding business. I use National Guardian Life, the largest of its kind. They have been in business since 1909. I explain in other pages on this site how their funding plans compare to those of most funeral homes in Utah use.

Not only are their rates on plans up to ten years the best, here are some other reasons your money should be with NGL:

    · They offer a discount for paying for your plan with a single check (“cash”)—which most funeral funding life insurance companies do not.
    · They have an EARLY PAYOFF discount that allows you to pay your plan off at any time at a discount of what it would have cost you had you stayed with the full term of the plan. Most companies want to lock you into a plan for the full term so they can get more money out of you.
    · You get insurance that will pay off your plan should something happen to you prematurely with NO DISQUALIFYING HEALTH QUESTIONS. Everyone qualifies.
    · You can exchange any paid up insurance or funeral plans for a National Guardian Life plan at no cost to you. Then your family can have money left over to use as you see fit. Or you can set up a better, less expensive plan than the one you have with no need to make any more payments.
    · In NGL’s Funeral Expense Trust, your money is protected from creditors, nursing homes, lawyers, and everyone—it is completely UNTOUCHABLE and safe.
I get tired of learning how senior citizens are being taken advantage of. Many of them are buried with medical expenses and fixed incomes. Fortunately, I’ve been able to rescue some, and even reverse the course they were on. I can often get you out of a bad deal, put you into another, and you won’t lose any of what you’ve already invested. How exactly I can do that depends on your situation.

Already paid too much for a pre-paid funeral? I may be able to get you some of your money back, and you’ll still get the same thing you paid for besides. Most often, I can save you about $2,500.00.

Let’s go over your situation and do things the RIGHT WAY.

Combine National Guardian Life funding with an affordable funeral home, and you have the best value for your money. $4,500.00 for EVERYTHING (not including burial plots and vaults), and a payment under $50.00 a month.

Don’t be duped into believing that “funerals are expensive.” They’re only expensive if you talk to the WRONG PEOPLE! Talk to the right people. Only talk to those people who have YOUR interests in mind, not the interests of the company or who are thinking about their big commissions and bonus money.

Meet with me just one time, and I’ll take care of it in the best way. High quality caskets, high quality full funeral service guaranteed. Below are some examples of caskets in the plans I set up for well under $1,500.00.

These are caskets for around $1,000.00-$1,500.00. These are the caskets many funeral home representatives don’t want you to know about.



A funeral provider worth trusting should be able to show you many caskets in this price range.

Some of Darryl Roberts' advice from his book Profits of Death:

"The key to controlling future funeral and cemetery costs is to arrange and pay for them in advance."

"...people will purchase more in an emotionally charged at-need moment than they will in a calmer and more stable pre-need moment."

"Pre-planning is absolutely the best thing you can do to ensure that you get the final arrangements you want and save money at the same time."

"In my opinion, insurance policies are the best way to go. The insurance industry is highly regulated. Also, insurance companies are typically more balanced and more stable than most death merchants. Even when insurance companies go bankrupt, state and federal agencies come to the rescue of policyholders. Certainly the same cannot be said of funeral homes and cemeteries!"

The only advisor with the qualifications needed to give good advice about funeral planning is one who has extensive experience in the industry. I have written many hundreds of funeral, burial and cremation plans over 23 years, and it has not been for just one company. I have represented large and small operations, totally honest and somewhat crooked operations. I have been in the trenches and seen every tactic used in the interest of making money, even at the expense of families. I have studied and adhered to the standards of the National Funeral Directors Association. I have applied my education in accounting to the numbers that pertain to funeral planning and the related life insurance funding. With me it's "always about the money," but it's about YOUR money. It's not about whether or not I'm making money for the funeral home or the funding company. It's about zeroing in on the best value for your money.

See my other Web page Which Plans Are REALLY Best for Most Seniors?

And look at these Web pages on the Internet also:

Should You Prepay Your Own Funeral Expenses?

Let Your Legacy Be Peace Of Mind, Not Debt

What is the Difference Between Life Insurance and Funeral Plans?



Other Web pages on this site

Why Stupid People Don't Read
The Truth About Your Favorite Funeral Home
Why Financial Advisors Give Bad Advice About Funeral Planning
Why National Guardian Life and My Agency Will Best Care For Your Family
Fallacy: "We'll do better if we just keep our money invested. We don’t need a funeral plan."
Fallacy: "We have plenty of life insurance. We don’t need a funeral plan."
What Does it Mean that Funeral Costs Are "Frozen" or "Guaranteed"
Why Alex Trebek Says Today's Funeral Costs Over $7,000
Methods of Planning the Funeral Industry Doesn't Want You to Use
Why Life Insurance Companies Are the Safest of All Financial Institutions
One Funeral Policy Covers Yourself, Kids, and Grandkids
How Can Senior Citizens Live Well Without Social Security?
The Purpose of Death
Russell M. Nelson on Death
Memorial Estates 2015 Prices vs. Premier Funeral Services
How to Buy or Sell Your Cemetery Property
Traditional Church Funeral Followed by Cremation
How to Construct Your Own Funeral Plan Instead of Being "Sold" One
What to Do if You Own Burial Plots At a Chain Operation
Preparing A Will Yourself for Under $50
Burial Only Plans (No Services)
Which Plans Are REALLY Best for Most Seniors?
Why 85% of My Appointments Buy A Funeral, Burial or Cremation Plan
Why Top Professionals Buy My Plans
Why Premier Funeral Services Doesn't Raise Prices
Is Prepaying for a Funeral a Good Idea?
Meet With Me Once and You're Done
What Most Ten-Year Funeral Plans Cost
$5,000 Will Cover It All
With One Company, It's Always About the Money
The Biggest Problem with "Chain" Funeral Homes
Federal Trade Commission Helps You Get Best Value on Funerals
How to Save Huge on Caskets
Why Your Memorial Burial Is Going to Be Expensive




I have set up over 150 plans in the past three years alone that pay for a full traditional service with casket included for around $3,000.00-half of what most funeral homes charge. You use your church, a reception center, a lodge, the graveside, or some other location you arrange. No sacrifices! Just a better plan for your money. And your casket and services costs are FROZEN. This applies to other plans that include cremation. All the factors discussed on this page make my funeral plans no-brainers.

All plans are guaranteed portable, including cash value growth as long as you're alive. Even though you may have designed your plan around the prices of one particular funeral home, the funds can be used at another that charges similarly or less so you get the same result if your plans change. In any case, your money is never stuck with a funeral home where you have to pay a penalty for withdrawing that money. You don't have to worry about getting any money back from a funeral home, because your money is safely deposited with a large insurance company. And no current or past health condition can disqualify you from the insurance plan.


Your money stays safely deposited with a large life insurance company until you pass away, a company in business since 1909. www.nglic.com. You can change whom you want to use for a funeral at any time. We have 1-3-5-7-10 year plans, with full insurance coverage should something happen before you make all the payments, and always a discount for making a single payment or paying off your plan early. And always with growing cash value tax-free.

Our average ten-year plan at most ages is around $33.00 a month. Compare that to what other funeral homes you may have had in mind can offer you. The average funeral plan in the Salt Lake area on a ten-year plan is around $80.00 per month per person.

Let me show you in detail in your home how to outline your final wishes and preferences in the best way possible. Let me show you the best plan for your money.

I don't need your Social Security number. There is a major funeral funding company based in the Salt Lake area that owns many mortuaries and cemeteries that insists on getting your Social Security number when you set up a plan with them. Don't fall for this. That number is only needed for a death certificate, not for a funeral or burial plan. National Guardian Life does NOT require your Social Security number. Turn down any plan that does.

Get professional, personalized service at the right price, on the best terms.

    UtahsFuneralPlanningSite.com serves the funeral and funeral planning market in the Salt Lake City, Utah area. Our goal is to help you plan a funeral in as much detail as possible well in advance. This website provides the tools you need to pay for funerals the right way, so affordable funerals don’t end up being a sacrifice but instead a more comfortable reality. We offer or point you to Utah's best funeral prices and lowest cost for funeral plans, which can include caskets and burial vaults, and final expense whole life insurance, especially for seniors with bad health and with low incomes. You will be able to not only outline your final wishes with accuracy, but you will know exactly how to calculate and control the cost of a funeral (church, mortuary chapel, or graveside), the cost of a burial, and, if applicable, cremation options. You will not become the victim of funeral rip-offs, over-priced caskets, or plans that don’t suit your family’s true needs and budget. There will be no confusion in your family at the time of need concerning arrangements. Once you have done things correctly, they will know where the line has been drawn on spending for your final expenses, and no mistakes will be made.