Preplanning Your Funeral: A Thoughtful Act of Love

Preplanning your funeral or final arrangements might seem daunting, but it's a thoughtful act of love that spares your family added stress during an already difficult time. This simple 5-step guide can help you get started:

1. Consider Your Preferences

  • Type of Service: Do you envision a traditional funeral service, a memorial service, a celebration of life, or something more unique? Consider whether you prefer burial or cremation.
  • Location: Where would you like the service to be held? A church, funeral home, or perhaps a special outdoor location?
  • Music, Readings, and Other Elements: Are there specific hymns, poems, or readings that hold meaning for you? Do you have any preferences for flowers, decorations, or other personal touches?
  • Obituary: Think about what you'd like included in your obituary. This can include key life events, accomplishments, and family members.

2. Gather Important Information

  • Personal Documents: Compile essential documents such as your birth certificate, social security card, marriage certificate, and any military records. Keep these in a safe but accessible place and let a trusted family member know their location.
  • Financial Information: Collect information about your bank accounts, insurance policies, investments, and any outstanding debts. This will help your executor manage your estate efficiently.
  • Legal Documents: Ensure you have a valid will, power of attorney, and healthcare directive (living will). These documents outline your wishes regarding your assets and medical care in case you become incapacitated.

3. Explore Funding Options

  • Pre-Need Funeral Plans: These plans allow you to prepay for funeral services at today's prices, protecting against future inflation. You can often make installment payments.
  • Life Insurance: A life insurance policy can provide funds to cover funeral expenses and other financial obligations.
  • Payable-on-Death (POD) Accounts: These bank accounts allow you to designate a beneficiary who will automatically receive the funds upon your death.

4. Discuss Your Wishes with Loved Ones

  • Family Meeting: Talk openly with your family about your preplanning decisions. This will help them understand your wishes and avoid potential disagreements later.
  • Executor/Personal Representative: Designate an executor (or personal representative) in your will to manage your estate. Make sure this person understands the responsibilities involved.
  • Trusted Advisor: Consider discussing your plans with a trusted advisor, such as an attorney, financial planner, or clergy member.

5. Document Your Plans and Keep Them Updated

  • Written Record: Create a written record of your preplanning decisions, including your preferences for the service, financial arrangements, and important documents.
  • Secure Storage: Store this information in a safe and accessible place, such as a fireproof safe or a secure online vault. Let a trusted family member know where to find it.
  • Regular Review: Review and update your preplanning documents periodically, especially after major life events such as marriage, divorce, or the birth of a child.

By taking these steps, you can create a clear plan that reflects your wishes and provides peace of mind for both yourself and your loved ones. Preplanning is a gift that ensures your final arrangements are handled with care and respect, easing the burden on your family during a time of grief.

Larkin Mortuary is here to help you every step of the way. Contact us at plan@larkinmortuary.com