Funeral Services | Cremation | Funeral Planning

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 You Lose Just Keeping Funeral Money Invested

Unless you invest your money in the right place

I’ve heard this from people for many years. Most often, what they say to this effect simply isn’t true. I can illustrate exactly why "investing" your money and only paying at the time of need is a dubious and unwise plan for getting funeral and/or cremation plans paid for correctly. If you follow the steps on this Web site, you will get the best of all worlds. Your money will be properly "invested" with tax-free growth and most of your funeral costs will "frozen," (guaranteed).

What does it mean today to "keep money invested"? Seniors today are scared about where to invest, given the many market debacles. Too many have expected high rates of return on their investments, only to find out in the long run they lost money. And the "safe" bank CDs and money market accounts, which are not totally safe at all, have been paying very low interest or rates of return (average around 1% for almost a decade as of 2015). Read my other Web page about life insurance companies for a further explanation of the supposed "safety" of financial institutions.

I have studied the cost of funerals from the big name "chains," as well as popular private funeral homes, since 1992. The cost of a full funeral service with these typical funeral homes on average almost DOUBLES every ten years. The prices I've tracked increase about 6.32% per year.

To do better than that rate of inflation, your money has to earn 7%+ per year, year after year. If it doesn't, you lose. At this rate of 6.32% per year, by 2024 the cost of a funeral service (no casket) will be $10,029. By then, the low-end average casket should be around $3,000, for a total funeral cost (no vault or burial items) of over $13,000. Add in burial items and miscellaneous costs and you easily are over $20,000.

The first key to winning: Find out who isn't raising their prices much year after year.

Believe it or not, not every funeral home is playing the "game" of raising prices every year for no particular reason. Some are holding the line, such as Premier Funeral Services, Cannon Mortuary, Serenity Funeral Home, and some others. The funeral homes who insist on continual price increases are the funeral homes most likely to charge your family as much as possible at the time of need, especially for a casket. You won't beat them by "leaving your money invested until the time comes." They will beat you.

Funeral price inflation has continued to be above what general price inflation has been over the past two decades. The only way to exercise control is to guarantee and account for funeral costs NOW and not let your family wait to see what things cost in the future. I have written hundreds of casket and funeral service plans for families with substantial money, assets, and life insurance--because it gives them a large measure of control. And when I do this for a family, I help them free of charge in many ways to put their final wishes and preferences in a clear written format to prevent any costly mistakes from being made. I explain in detail what they have covered, so there are no loose ends.

One way to win big: Write a check for $3,000, and your funeral service and casket are done.

You can virtually FREEZE your cost of what most funeral homes are getting around $7,000 for if you pay for it today. I can set up a plan to give you nearly complete control of future costs, including picking a casket now that suits your budget and taste. This is the best prepaid package I've ever written, and I've written more of this plan than any other. 26% of my customers get it paid in less than a year or with one payment of around $3,000.

The rest of my customers choose longer-term payment plans, which still only cost a maximum of around $3,500-$4,000 total of payments. Many of these people have life insurance, but they know a good value when they see one, and they understand how much control they're taking working with me. The money stays in the NGL Funeral Expense Trust until death. At the time of your passing, the money, face amount plus accumulated cash value growth, is sent to Premier Funeral Services. If Premier is charging less for the casket and services package at the time of need than the amount paid by NGL, the family is refunded the difference or the money can be applied to things not covered yet--such as obituary, flowers, cemetery labor, etc. If they are charging MORE than the insurance money received, the costs are guaranteed and your family doesn't need to come up with any more money for those things.

If a funeral home goes out of business or is taken over by another, you have nothing to worry about if your money is placed in an appropriate insurance fund, explained throughout this Web site.

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?

Internet Resources to Do More Homework

Utah's Best Funeral Value:

I have set up over 240 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.