Many do not realize pre-funding can guarantee funeral prices at the time of arrangement. This further protects you and your family against unanticipated or additional costs.

Both you and your family benefit from pre-funding in the following ways:

• Keeps funeral expenses in line with today's costs
• Guarantees your individual wishes are carried out
• Spares your family making decisions at a difficult time
• Ensures peace of mind that specific details have been taken care of
• Eliminates indecision experienced by many families
• Allows families to focus on comforting one another

Your program locks in all costs. Once you begin the program, everything you select now will be provided in the future at no additional cost to you or your family. Your coverage is nationwide. Should you move, you are still covered, and the value is transferable.

You are protected from loss. Should your circumstances change, if you are sued, go bankrupt, need nursing home care or go on Medicare/Medicaid or another government program, your prearrangement plan is protected.

Your program earns tax-free interest similar to a CD or a savings account. Yet, this program fulfills such a specialized need, your interest is not taxable.

Easy payment options are available. You may be able to take up to ten years to fund your program. If you die before your program is completely paid, the balance will be automatically paid in most cases.

You may change your selections. As people change, so do their needs. Your program may be made more comprehensive or simplified just give us a call any time you need to make adjustments.

Everyone is accepted. You cannot be turned down. You are not turned down due to your health, unlike other programs.

Protect your family and friends. Your decision to prearrange the funeral helps everyone involved avoid confusion as to your final wishes, the emotional stress of funeral arrangements and distress over making sure they "did the right thing."

A gift of love to your family, pre-planning relieves a tremendous burden from your loved ones and is truly a gift from the heart.