Prepaid Funeral Services and the Decision-Making Process

Are You Making the Right Decisions?

Choosing to pre-pay for your funeral means that you will be in full control of your end-of-like decisions, including your visitation, service, and burial or cremation. There are a lot of options to contemplate, and Beinhauer Funeral Home can lead you through them and offer suggestions.

Decision Making

How to Pay
A pre-paid service offers you the chance to pick everything that you prefer. You can have a service with a visitation and traditional burial, or you can choose cremation and a memorial service—or any combination. People choose to pre-pay in different ways:

  • Lump Sum. You can purchase everything ahead of time using a lump sum payment, or you can put down a deposit and then make regular payments until you have paid everything off.
  • Insurance. If you have a funeral or death benefit on your insurance policy, you can either let a loved one handle the financial arrangements by making them the beneficiary, or you can make a particular funeral home the beneficiary.
  • Trust. Some people have a contract with a funeral home that they use to pay for future funeral expenses. These trusts will be cashed out and used to purchase all services once they are needed.

Consider Your Options
Most people will meet with a funeral home director to decide on what they would like to purchase or set up in advance. The choices include:

  • Caskets: Caskets can be an expensive part of the funeral—if you purchase one, it can sometimes cost nearly 50 percent of the entire funeral expense. You should choose a casket for yourself carefully. They come in metal, usually a steel alloy, and wood, and also other man-made materials, such as fiberglass. If you would like a special metal, you can also purchase copper, bronze, or stainless steel.
  • Visitation. Consider the kind of visitation you would prefer. Some people have visitation hours that last several days, followed by a funeral. Some have a shorter, one-day visitation.
  • Service. If you would like to have a service, be sure to let the funeral home know where it should be held. If some cases, people also ask that a particular clergy member perform the service.
  • Burial. If you haven’t put thought to where you may like to be buried, you may have to decide when discussing pre-payment options. Some people prefer to be buried in the same plot as family members. Others decide to purchase a new spot, and still others prefer that their remains be placed in a mausoleum in a particular cemetery.
  • Cremation. Cremation is becoming increasing popular among the United States’ population. It is environmentally friendly and is an accepted practice of most major religions. You will also have the choice to pick an urn to hold remains.

If you would like to discuss pre-payment choices with a funeral director at Beinhauer Family Funeral Homes, please contact us at one of our several Pittsburgh locations. You are welcome to come to the funeral home, or we are happy to meet you in your home.