Q: Where does the money go that I prepay into the plan?
A: Hunter’s Funeral Home will deposit 100% of the money received
toward a funeral plan into a trust or insurance policy, where it cannot
be released to us until after the funeral you have chosen has been
provided for you. 100% of the money you have pre-paid will be used
for your funeral.There are two types of preneed funeral contracts -
Standard and Inflation-Proof. Under a Standard Contract, the
consumer is putting some funds towards the provision of funeral
goods and services.
Although the consumer may express a preference about which goods
and services he or she desires, no goods and services are actually
purchased at this time. The Consumer may also express his or her
desires in order to determine how much his or her funeral would cost
if held today. This amount is used solely to determine how much
funding would be required were the funeral held today. Again, no
goods and services are actually purchased with a Standard Contract.
Under an Inflation-Proof Contract, the consumer actually selects
funeral goods and services. The funeral home guarantees to provide
those funeral goods and services at the time of need. The consumer
may also select cash advance items, but the cost of these
items is not guaranteed.
A: Hunter’s Funeral Home will deposit 100% of the money received
toward a funeral plan into a trust or insurance policy, where it cannot
be released to us until after the funeral you have chosen has been
provided for you. 100% of the money you have pre-paid will be used
for your funeral.There are two types of preneed funeral contracts -
Standard and Inflation-Proof. Under a Standard Contract, the
consumer is putting some funds towards the provision of funeral
goods and services.
Although the consumer may express a preference about which goods
and services he or she desires, no goods and services are actually
purchased at this time. The Consumer may also express his or her
desires in order to determine how much his or her funeral would cost
if held today. This amount is used solely to determine how much
funding would be required were the funeral held today. Again, no
goods and services are actually purchased with a Standard Contract.
Under an Inflation-Proof Contract, the consumer actually selects
funeral goods and services. The funeral home guarantees to provide
those funeral goods and services at the time of need. The consumer
may also select cash advance items, but the cost of these
items is not guaranteed.
Q: How can I be sure the funeral home won't charge
my loved ones more at the time of my funeral?
A: If you have an Inflation Proof Pre Need plan, Hunter’s
Funeral Home is contractually obligated to provide all the
services and merchandise included in your plan. The only
change would be if survivors would wish to purchase any
merchandise or service in addition to the prearranged plan.
my loved ones more at the time of my funeral?
A: If you have an Inflation Proof Pre Need plan, Hunter’s
Funeral Home is contractually obligated to provide all the
services and merchandise included in your plan. The only
change would be if survivors would wish to purchase any
merchandise or service in addition to the prearranged plan.
Q: What if the cost of the funeral service I prepay is greatly
increased in cost at the time of my death?
A: By contract, Hunter’s Funeral Home guarantees to provide those
funeral goods and services that you have chosen to be included in
your Inflation Proof Pre Need Contract at the time of need no
matter how many years prior to use your plan was established.
increased in cost at the time of my death?
A: By contract, Hunter’s Funeral Home guarantees to provide those
funeral goods and services that you have chosen to be included in
your Inflation Proof Pre Need Contract at the time of need no
matter how many years prior to use your plan was established.
Q: What if your funeral home is no longer in
business at the time of my death?
A: Because your money is held in a certified Trust
governed by state law, it will always be there for
your funeral, even if our funeral home were to be
purchased or go out of business.
business at the time of my death?
A: Because your money is held in a certified Trust
governed by state law, it will always be there for
your funeral, even if our funeral home were to be
purchased or go out of business.
Q: What if my family moves out of the area before I
die? Do we lose the money we paid?
A: Should you move outside of our service area, your
Pre Need Funeral Plan provides those funds for
your funeral at the funeral home of your choice.
die? Do we lose the money we paid?
A: Should you move outside of our service area, your
Pre Need Funeral Plan provides those funds for
your funeral at the funeral home of your choice.
Q: Won't my life insurance benefits cover all my funeral
expenses?
A: It may, but aren't your life insurance benefits intended for your
spouse's security or your child's education? Also, the cost of a
funeral continues to rise, while your life insurance benefits don't
increase over time.
expenses?
A: It may, but aren't your life insurance benefits intended for your
spouse's security or your child's education? Also, the cost of a
funeral continues to rise, while your life insurance benefits don't
increase over time.
Q: Doesn't Social Security provide a death benefit?
A: If you QUALIFY, Social Security provides a
lump-sum payment of only $255, which is well
below the cost of any funeral.
A: If you QUALIFY, Social Security provides a
lump-sum payment of only $255, which is well
below the cost of any funeral.
Q: Shouldn't I wait until I'm older to deal with this?
A: No. The younger you are, the more you have to gain. Prices will
continue to rise until you freeze your costs by your purchase.
A: No. The younger you are, the more you have to gain. Prices will
continue to rise until you freeze your costs by your purchase.
Q: How do I know you will really put my money in a
Trust?
A: Each Pre Need Funeral Plan is registered with the
State and all Trust Fund records are periodically audited
to assure the deposit of funds.
Trust?
A: Each Pre Need Funeral Plan is registered with the
State and all Trust Fund records are periodically audited
to assure the deposit of funds.
Q: Can the Funeral Home ever cancel My Pre Need Funeral Plan?
A: Absolutely not. The Pre Need Funeral Plan cannot be canceled by
the Funeral Home.
A: Absolutely not. The Pre Need Funeral Plan cannot be canceled by
the Funeral Home.