Preparing for the future is an act of love and practicality. Planning your funeral in advance helps protect your family from the emotional strain and high costs associated with last-minute arrangements. It also acts as a safeguard against future inflation, ensuring that funeral expenses remain manageable. At Square One Financial Group, we offer a unique opportunity to review your funeral preferences and provide funding options, allowing you to lock in today's rates and save thousands.
Imagine having a funeral pre-plan that offers flexibility in payment. You can choose to make a one-time payment to cover the complete cost or opt for gradual payments spread over one to ten years. Alternatively, you can make payments over time, with the assurance of an increasing death benefit that keeps up with or out paces inflation. You also have the option to name a beneficiary to receive the death benefit if you have not decided what funeral provider you would like to use. Square One Financial Group's funeral pre-planning isn't just about preparing for the inevitable; it's about doing so wisely, efficiently, and with a commitment to easing the financial burden on your loved ones.
Traditional methods typically require upfront payment for the funeral, along with a separate life insurance policy. This approach can result in unnecessary expenses for you. Our funeral pre-planning service goes beyond safeguarding your family from the emotional burden and hefty expenses associated with arranging a funeral. It also shields them from the impact of future inflation, ensuring that you will never pay more in payments than the death benefit you will receive.
Having worked in the corporate funeral world, our founders observed a system primarily focused on profits, often resulting in unnecessary expenses for families. Recognizing the need for a more compassionate and client-centric approach, they decided to establish a service dedicated to providing a better way to plan and fund funerals. Their firsthand experience in an industry driven by profit margins fueled the commitment to offer a service that prioritizes the needs and financial well-being of families over corporate gains.
Pre-planning a funeral helps provide peace of mind to you and your loved ones. When you pass, your family and friends who arrange your funeral will have a plan to follow, ensuring they carry out your preferences. They’ll also have more time to grieve without worrying about creating funeral arrangements. Some of the benefits of pre-planning a funeral include:
Yes, we'll help you craft a comprehensive plan to cover all expenses associated with your funeral service, including:
Yes, we understand that circumstances may change. You can make adjustments to your funeral plan to accommodate any revisions or preferences.
A Preneed insurance policy is typically tied to a prepaid funeral contract with a funeral home or a cremation service. The contract specifies the funeral services and products you are purchasing and the insurance policy pays the provider the contract amount when the services are provided upon your death. Preneed insurance can be purchased in a lump sum payment or in installments over 1, 3, 5, or 10 years. When a preneed policy is paid up, your insurance stays in force for your lifetime and the face amount of the policy grows over time. A key advantage of a preneed policy is that you may be able to get a price guarantee to lock in today’s prices.
Final expense policies are not tied to funeral contracts. Upon death, they pay out the policy amount which can be used to cover any funeral and final expenses. Final expense premiums are paid either monthly, quarterly or annually. Unlike preneed policies which can be paid up, final expense policies need to be paid continuously to remain in force. If you stop making payments, your policy will lapse. Like preneed insurance, there are guaranteed issue and underwritten versions. Final expense policies work best for people who are looking for affordable monthly payments.
Funerals are often expensive and sometimes people may not have the money needed to pay for one. If you have no money for a funeral, you may need to sign the deceased’s body over to the coroner to let them dispose of the body. You also won’t have the option to choose the final resting place for the deceased. Instead, the coroner may bury the individual in an indigent cemetery, which is a cemetery specifically for those who can’t afford burial elsewhere.
Planning your own funeral is not weird. It gives your family fewer decisions to make during a difficult and emotional time. Whether you plan to hold a traditional funeral service or would rather have a memorial service celebrating your life, you can make that decision when you plan your funeral.
Medicare does not cover funeral expenses. If you need to pay for funeral expenses, you could use money in a savings account or, in some circumstances, Social Security survivors benefits. You can ask your state, county or city for help with funeral costs if they have services available.
A simple funeral plan is an affordable approach to funeral services, providing the basic funeral procedures for service. A funeral director may choose the location, day and time when the funeral happens. There also won’t be additional features a traditional funeral could have, like a limousine or heavily decorated casket or urn. The basic version of a funeral can save you money, lessening the financial strain you may face due to a sudden death.
Funerals have many components that add up, causing the arrangement to sometimes be costly. On top of the essential fees, many people may make quick decisions about funeral arrangements while under pressure during an emotional time. Funerals can quickly cost thousands of dollars if you don’t take time to research and find the most affordable options.
You can pre-plan your funeral at any age, though it’s common for people to wait until they’re in their thirties and older to begin funeral planning. The cost of funerals adds up quickly, so creating a financial plan to pay for one as early as possible can help you prepare in case of an unexpected death.
Pre-planning a funeral is when you make funeral arrangements for an individual before they pass. You can arrange the ceremony days, months or years before a loss occurs. With pre-planning, the individual can participate in making their own funeral arrangements so the ceremony reflects their personality. They can also choose what happens with their body after their death. Additionally, having the funeral arrangements already in place takes the pressure off the surviving individuals close to the deceased so they have time to grieve.
Traditional methods often involve paying for the funeral upfront and backing it with a separate life insurance policy, leading to unnecessary costs to you. Our proper final expense planning not only protects your family from the emotional burden and high cost of planning a funeral but also protects them from the high cost of future inflation on funeral merchandise by locking in today's rates and having a policy to pay it all off.
Having worked in the corporate funeral world, our founders observed a system primarily focused on profits, often resulting in unnecessary expenses for families. Recognizing the need for a more compassionate and client-centric approach, they decided to establish a service dedicated to providing a better way to plan and fund funerals. Their firsthand experience in an industry driven by profit margins fueled the commitment to offer a service that prioritizes the needs and financial well-being of families over corporate gains.
Pre-planning a funeral helps provide peace of mind to you and your loved ones. When you pass, your family and friends who arrange your funeral will have a plan to follow, ensuring they carry out your preferences. They’ll also have more time to grieve without worrying about creating funeral arrangements. Some of the benefits of pre-planning a funeral include:
Final expense policies are not tied to funeral contracts. Upon death, they pay out the policy amount which can be used to cover any funeral and final expenses. Final expense premiums are paid either monthly, quarterly or annually. Unlike preneed policies which can be paid up, final expense policies need to be paid continuously to remain in force. If you stop making payments, your policy will lapse. Like preneed insurance, there are guaranteed issue and underwritten versions. Final expense policies work best for people who are looking for affordable monthly payments.
Planning your own funeral is not weird. It gives your family fewer decisions to make during a difficult and emotional time. Whether you plan to hold a traditional funeral service or would rather have a memorial service celebrating your life, you can make that decision when you plan your funeral.
Funerals are often expensive and sometimes people may not have the money needed to pay for one. If you have no money for a funeral, you may need to sign the deceased’s body over to the coroner to let them dispose of the body. You also won’t have the option to choose the final resting place for the deceased. Instead, the coroner may bury the individual in an indigent cemetery, which is a cemetery specifically for those who can’t afford burial elsewhere.
Medicare does not cover funeral expenses. If you need to pay for funeral expenses, you could use money in a savings account or, in some circumstances, Social Security survivors benefits. You can ask your state, county or city for help with funeral costs if they have services available.
You can pre-plan your funeral at any age, though it’s common for people to wait until they’re in their thirties and older to begin funeral planning. The cost of funerals adds up quickly, so creating a financial plan to pay for one as early as possible can help you prepare in case of an unexpected death.
Yes, we'll help you craft a comprehensive plan to cover all expenses associated with your funeral service, including:
Yes, we understand that circumstances may change. You can make adjustments to your plan to accommodate any revisions or preferences.
A Preneed insurance policy is typically tied to a prepaid funeral contract with a funeral home or a cremation service. The contract specifies the funeral services and products you are purchasing and the insurance policy pays the provider the contract amount when the services are provided upon your death. Preneed insurance can be purchased in a lump sum payment or in installments over 1, 3, 5, or 10 years. When a preneed policy is paid up, your insurance stays in force for your lifetime and the face amount of the policy grows over time. A key advantage of a preneed policy is that you may be able to get a price guarantee to lock in today’s prices.
Pre-planning a funeral is when you make funeral arrangements for an individual before they pass. You can arrange the ceremony days, months or years before a loss occurs. With pre-planning, the individual can participate in making their own funeral arrangements so the ceremony reflects their personality. They can also choose what happens with their body after their death. Additionally, having the funeral arrangements already in place takes the pressure off the surviving individuals close to the deceased so they have time to grieve.
Funerals have many components that add up, causing the arrangement to sometimes be costly. On top of the essential fees, many people may make quick decisions about funeral arrangements while under pressure during an emotional time. Funerals can quickly cost thousands of dollars if you don’t take time to research and find the most affordable options.
A simple funeral plan is an affordable approach to funeral services, providing the basic funeral procedures for service. A funeral director may choose the location, day and time when the funeral happens. There also won’t be additional features a traditional funeral could have, like a limousine or heavily decorated casket or urn. The basic version of a funeral can save you money, lessening the financial strain you may face due to a sudden death.
Our team of dedicated professionals brings a wealth of experience in financial planning and insurance services. Whether you're safeguarding your family's future with life insurance, planning for retirement, or seeking strategies to manage debt, we're here to lead the way.
Client
I had a fantastic experience with Square One's annuity solutions. Their team guided me through the process, helping me choose the right plan for my retirement goals. Their funeral funding plan was thorough and gave us comfort in knowing our needs in the future are taken care of.
Client
Square One Financial Group listened to my needs and provided a great policy. Their debt action plans are innovative, helping me pay off debts faster while saving for the future. A reliable and trustworthy financial partner!
Client
I'm incredibly satisfied with Square One's life insurance offerings. They tailored a policy to my specific needs, providing comprehensive coverage for my family. Their annuity expertise ensured a stable income for my retirement years. Knowledgeable and amazing customer service!
Client
Let Square One Financial provide the personalized solutions you need to empower your financial future. Reach out today for a free, zero-obligation consultation and we'll walk you through your options.
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preplan@squareonefinancialgroup.com
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Square One Financial Group's approach to life insurance is exceptional. They understood my needs and provided a policy that's perfect for my family.