advanceplanning

PEACE OF MIND: Leaving written instructions and setting aside adequate funds
irrevocably relieves you of the worry that your spouse or children will be burdened
with making difficult decisions. In many ways, it’s a final gift of love from you to
your family.

DIGNITY AND CONTROL: You help ensure that your wishes are carried out with
dignity and respect. Before your death you retain the right the change funeral
homes or funeral services. These rights pass on to your family after death occurs.

INFLATION-PROOF GUARANTEE: Stapish Cederberg Funeral Homes guarantees
in writing that your funeral service and merchandise costs will be fully covered at
the time of death. When funds are held in an irrevocable insurance trust, all
growth on your funeral plan is tax free. You will not receive a Federal 1099 form.

FREE, NO OBLIGATION CONSULTATION: We have qualified counselors on staff
to guide you through the prearrangement process. By planning ahead, you have
time to make more thoughtful and better decisions.

SAFETY: Once your funds are secured in an irrevocable agreement, no one can
make any withdrawals. When your policy is established, the ONLY way that the
funds will be released is with a signed copy of the funeral bill and a certified death
certificate.

PROTECTION FROM THE NURSING HOME: Unlike other investments (including
cash value of traditional life insurance) that you own, the dollars you place into a
correctly structured final expense plan will not count as assets if you enter a
nursing home. The full cost of your funeral can be protected using an irrevocable
insurance trust.

NO PROBATE OR DELAY: When you use an irrevocably assigned insurance trust
to hold your dollars, the funds are immediately available to pay funeral costs.
There is NO probate or delay.

Planning now, before serious health or other problems arise, gives you the
greatest range of options. Laws may change at any time, so this should not be
considered legal or tax advice.