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

New Information ...      

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.





How the Best Funeral Plans Work


Why Taking Control Always Costs You Less




OVERVIEW








I have worked in the final expense industry for about 25 years. This includes working for and working with memorial parks and cemeteries, funeral homes, and life and health insurance companies. I have met with many hundreds of senior citizens during this time. I continue to work in this industry only because I have learned how to get everyone the best value for their money.




I identified two general problems that make things difficult for senior citizens and their surviving families.


1) Too many funeral homes and memorial parks like to charge as much money as they can get, and they usually get away with it; and
2) Seniors and their families don’t usually have a way of controlling what their costs are going to be and don’t have a way of clearly and succinctly communicating that information to their families.

I have been able to solve both of those problems. And I give that information to you free of charge.

1) I show you how to identify and lower all your final expense costs, especially funeral costs. I show you who to work with and which companies to work with.
2) I have a method of summarizing and documenting your homework so your family cannot be confused and so that no one can spend too much money or spend money in the wrong way.




You can learn all of this in a short period of time. Once you do, you will have peace of mind and you will save thousands of dollars.









What Are “Final Expenses”?






Final expenses include the following:

· Funeral costs (casket & services package: $5,000)
· Cremation costs ($1,000)
· Funeral services with cremation ($3,000)
· Burial costs (burial vault, plot, cemetery labor: $3,000)
· Probate and estate administration costs ($500 to $3,000)
· Unpaid medical bills incident to last illness
· Other relatively small outstanding or past due balances


Final expenses do not include the following:

· The ongoing needs of survivors
· Mortgage balances




This page deals mostly with the specifics of funeral, burial, and cremation costs. But I have final expense insurance available up to $40,0000—regardless of health. Every one of my plans is “guaranteed issue” to everyone with no disqualifying health questions.



Start answering the questions below, and print the questionnaire. They will help you zero in on your true needs and wishes.

















What Is In A Funeral Plan "Package"


These are commonly offered “packages,” which are easier for most people to understand. Packages contain all the things most people want in a funeral service, offered at one price (rather than itemized). To see more packages, as well as itemized price lists, CLICK HERE.

     







CASKETS



Caskets are not included in package prices. Lower package prices are contingent upon your purchasing a casket from that funeral home. If you purchase your casket elsewhere, you can still purchase a package from that funeral home, but it is most likely a few hundred dollars more.

Pre-determine Your Casket Price Range

Example: $895 to $1,595

If your funeral home can’t give you a casket you like in that price range, plan on getting your casket from someone else.

Use as your pricing guide. Costco offers good prices. Costco only allows you to pay in full and then take delivery. There are no layaway plans. Go to their web site:

www.costco.com/funeral.html

Go to my casket Web page:

www.utahsfuneralplanningsite.com/caskets.htm

Also see a list of other casket prices lists to compare at my site:




BURIAL VAULTS






A burial vault is required at all cemeteries. It is to prevent the ground from settling. A sealed vault will not preserve the body. It may preserve the casket, depending on the casket's construction. You only need a basic concrete “grave liner” or grave box to meet cemetery requirements. An "indestructible" vault is a waste of money.

A vault with “setting fee” (setting means placing the vault in an already open grave) should not cost more than $1,500. “Opening & Closing” (digging) varies from cemetery to cemetery, and it depends on whether it is a weekend or holiday. The chain memorial parks are charging around $1,000 for opening and closing, city cemeteries significantly less. Vault setting is often free of charge at city cemeteries.



The earth is compacted to prevent settling. This can only be done with a vault or concrete grave box. A casket alone would be crushed easily. The concrete vault is buried first. Then the casket is lowered into the vault. The lid is placed on the vault, and then the compacting is done. Sod is laid over the grave when compacting is completed.

   


START PLUGGING IN YOUR NUMBERS



From this checklist, you should start arriving at a number that is the total amount you will need. If you only want to freeze certain costs, those marked with “F,” use only those numbers in the total.

Next, print the worksheet below and start pluggin in the numbers. I can help you fund for what you need, with as many cost guarantees as we can arrange.








Where Should I Keep My Funeral and Burial Money?

Your funeral and burial money should be invested where it can simultaneously:

• Build cash value growth tax-free for the rest of your life

• Freeze your final expense costs to the maximum extent possible

• Be protected from creditors, lawyers, nursing homes, and be “untouchable” by anyone until time of need. It should be protected as an asset for Medicaid “spend down” purposes.

What financial vehicle can accomplish all this?



National Guardian Life has been in business since 1909. All the company does today is funeral and final expense funding. In what’s called Asset Guard, or Funeral Expense Trust, your money stays in a trust until the time of need. You don’t need to choose a funeral home to set up the Funeral Expense Trust.

But if you do choose the right funeral home, your money in the trust can be combined with a cost guarantee form to ensure that future price increases don’t require you or your family to pay any more. You cost and investment can be pre-determined.


     





Internet Resources to Do More Homework