Funding Options

HOW DO YOU PRE-PAY FOR A FUNERAL?

Purchasing a preneed funeral plan is one of the smartest ways to ensure your wishes are carried out.  When prepaying funeral expenses, these funds are placed into a Preneed Funeral Insurance policy, in accordance with Virginia law.  Upon death, the funeral home will provide its professional services and the merchandise, in return for the proceeds of the policy.  Except for third party "cash advance items," such as newspaper notices or cemetery charges, you will owe nothing more for the funeral, even though the prices in effect at time of death may have increased.  (Note:  this assumes the policy is fully funded or all payments are current.)  And, should you move, the policy is transferrable to other funeral providers.     

YOUR FUNDING IS SECURE

Your funding is backed by a national industry leader for many years providing preneed insurance with thousands of policies in force. They consistently earn high marks for financial stability from the top financial ratings companies in the country.

TAX FREE VALUE, TAX FREE DEATH BENEFITS

Our plan provides life insurance benefits that are exempt from federal income tax when paid to a named beneficiary. Neither the increasing value of the coverage nor the total benefits paid at the time of death are federal income taxable.

WHY PLAN AHEAD?

Planning in advance of need provides peace of mind. The death of a loved one is a time of great loss and advance planning can reduce stress for your family with the knowledge that your preplan has been completed. This allows your loved ones to devote more time to coping and understanding the loss and less time concerned with funeral arrangements and financial details.

MERCHANDISE AND FUNERAL COST

Your Funeral Director understands that your personal choices are of the utmost importance. Your Funeral Director will meet with you to show the quality merchandise, assist you with the selection of the necessary merchandise and help you make the proper arrangements. Through pre-planning the cost of a funeral will be controlled. Merchandise selection during your pre-planning helps insure that you do not exceed what you want to pay. Pre-payment also offsets the risk of rising funeral costs in the future due to inflation.