Preneed

Have you thought about it?
Avoid the burden of making decisions while under emotional stress by organizing
details with your funeral director ahead of time. Prearrangements can offer both
emotional and financial security for you and your family. At Stapish Cederberg
Funeral Homes, we specialize in cremation and funeral prearrangement and
prepayment; you can prearrange any type of service you desire. Today there are
a variety of options to meet your financial needs and wishes. Be sure to discuss
all available options before making a decision.

Your plans may be as detailed or as general as you wish. Having the luxury of
time, you can consider your desires as well as those of others, then we can help
you create a service that will be uniquely your own.

We can show you ways to make your money work much harder for you. With the
wide range of funeral funding plans available, there is a plan for everyone, and the
younger you start the greater the benefits can be, but you’re not required to
have a funding plan or even spend a penny to prearrange.

Click here for more information about the benefits of
Advance Planning

Click here for information about DHS Eligibility: Assets that
are NOT counted and will not affect an individual’s ability to
qualify for Medicaid*

Commonly Asked Questions About Preplanning and
Prefunding a Funeral:

Q. Are preplanned funeral arrangements guaranteed?
A. When you prearrange, and prepay for your funeral arrangements, we
guarantee that we will provide our services, and the merchandise you
select, at the time of need. You pay today's prices. The funds are
invested, in accordance with Michigan law, in a Preneed Funeral Policy or
Trust. These plans are designed to grow in value, so the proceeds will
cover the cost of the selected funeral arrangements when death occurs.

Q. What exactly is a Preneed Funeral Policy?
A. A Preneed Funeral Policy is an insurance policy whose benefits are
assigned to cover the cost of a prearranged funeral contract. A funeral
contract typically includes professional services, funeral merchandise,
funeral services and even cemetery services. The purpose of Preneed
Funeral Policy is to set aside funds before the need arises, thereby
protecting your loved ones and your financial assets by "locking in"
today's costs.

Q. What is the difference between a standard Life Insurance Policy and
Preneed Funeral Policy - aren't they basically the same thing?
A. Traditional life insurance is intended to provide for a broad range of
your survivors' future financial needs provide income, cover education
costs, pay off a mortgage, and the like. A Preneed Funeral Policy, on the
other hand, is specifically intended to cover only the predetermined costs
of a prearranged funeral contract. In addition, there are several other
important differences between the two types of coverage. For example:
With regard to benefit distribution at the time of death, preneed funeral
insurance is payable immediately to the beneficiary (generally the funeral
home) upon the policyholder's death; there is no tax liability on the death
benefit to your surviving family members; and there is little or no
underwriting required to apply for a preneed policy. Our funeral directors,
not anonymous underwriters, make the decision.

Q. How Much Does A Preneed Funeral Policy Cost?
A. Your cost depends on the cost of the services and goods you select
for your funeral during the prearrangement process. In other words, you
control the costs based on what you choose. There are several payment
options ranging from single payments to payments spread over years.
Again, the choice and the control are all yours.

Q. What if I move?
A. Your Preneed Funeral Policy or Trust is completely transferable. If you
move, you may transfer your arrangements to virtually any funeral home in
the United States.

Q. Can't I just specify my arrangements in my will and let my estate take
care of the expense?
A. Wills are not probated until well after death, and usually not until after
the funeral services. Additionally, someone will have to qualify as
executor or administrator, which may delay further any actions specified
in the will from being carried out. If your wishes differ from those of your
family or heirs, stating your wishes clearly in a Preneed Funeral Policy may
be the best way to ensure they are carried out.

Avoid the burden of making decisions while under emotional stress by
organizing details with your funeral director ahead of time.
Prearrangements can offer both emotional and financial security for you
and your family. If you would like to discuss the various options available,
please feel free to contact us at 989-892-3535 to set an appointment, email
info@stapishcederberg.com, or submit the following: