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Pre-arrangement

Pre-arrangement is the planning of funeral service details and selection of merchandise in advance of need.

Why Pre-arrange?

Peace of Mind

Many who have undergone the emotional strain of arranging a funeral within hours of losing a loved one have made the choice to pre-plan their own funeral. Doing so lifts the burden from their loved ones by relieving decision-making pressure at a time of grief and emotional stress.

Personal Choice

Funeral arrangements are a deeply personal choice. Pre-planning provides you with the time needed to make practical, detailed decisions that reflect your standards, lifestyle, taste and budget. And we assure you and your family that the choices you make will be carried out as planned.

Costs

 When you finalize your plan, we can advise you of the total cost. By ensuring that the necessary funds are set aside, you help relieve yourself of unnecessary future worry and your survivors of an unexpected expense.

By pre-arranging you will:

  • Have the peace of mind that comes from knowing your loved ones will be spared from having to make difficult decisions at a time of deep personal loss, a time when you are not prepared.
  • Protect life insurance and additional assets for uses other than funeral expenses.
  • Guarantee the quality of service that you feel is most appropriate for you.
  • Assure and guarantee that desired services will be provided even though funds may be eventually depleted due to Medicaid requirements.

What Are The Types Of
Pre-arrangement?

A) Irrevocable Trust

This trust meets the requirements for Medicaid assistance.  There is no limit placed on the amount that can be set aside.  All interest accumulates to the trust.  At the time of death Michelotti-Sawyers Mortuary will withdraw the funds and apply them to the funeral expenses. (There is no penalty for early withdrawal when the funds are used for funeral expenses.) Any excess of funds will be returned to the estate unless the trust balance exceeds $5000.00.  If this is the case, any funds not spent are to be turned over to Medicaid.  If the trust has not accumulated enough interest to offset any increase in prices the family will be asked to makeup the difference.

B) Revocable Trust

The revocable trust can be cashed in at anytime.  All interest accumulates to the trust.  As with the irrevocable trust any excess of funds will be returned.  If the trust does not cover all the expenses the family will be asked to makeup the difference.

C) Guaranteed Price Funeral Trust

When a person has preplanned all aspects of their funeral including casket type and services they may purchase those items at today's prices.  The funds are placed in an irrevocable trust with the interest to accumulate to the trust.  At the time of death the trust account and interest is turned over to Michelotti-Sawyers Mortuary and the prearranged services are carried out as contracted.

D) Burial Insurance

Life insurance can also be used to fund prearranged funeral plans.  If this interests you, please let us have our representative contact  you.