Purchasing Pre-Need Plans: What to Consider

Posted on: Mar 7, 2021 Publish By: funerallink

In the country, talks of death or loss is considered as taboo topics. However, the cost of not preparing for one’s demise will eventually overcome the need to evade an otherwise sensitive issue. Filipino families take pride in sending their beloved deceased in an honorable manner that often, expenses becomes an issue.

Without a pre-need plan, a death may cause unprepared and overwhelming amount of expenses to the family left behind. A pre-plan provides a family a financial cushion from an otherwise inevitable expenses associated with death. At the same time, it is not only a practical decision to undertake but a concerning act for the family left behind.

Here are some things you need to consider before getting one.

Assign Focal Family Members

Buying insurance or a pre-need plan is the wisest financial decision you will ever make. A pre-need plan shields immediate family members from expensive funeral costs. Plus, it provides them piece of mind while grieving a loss. When purchasing a pre-need plan, it is important to choose a beneficiary and a person who will be delegating the task for the memorial or funeral. This person is responsible for the accomplishment of requested activities for the funeral.

Decide Between a Burial or a Cremation

Every pre-need plan allows a buyer to decide whether he’s opting for a burial or a cremation. There are caskets or urns that is available for the buyer to choose along with the inclusions of the package. You can choose between the simplest materials for a casket or an urn.

Purchase a Memorial Lot

Depending on where you’d want to be buried, memorial lots about five square meters costs around sixty-thousand to a hundred thousand. At the same time, you’ll have to decide whether you want to personalize your area by constructing a mausoleum. You can also opt for an apartment-style resting place in public cemeteries.

Calculate Costs of Transportation for Visitors and Family Members

Does your family have private vehicles? If not, then walking from the church to the cemetery is the usual practice of Filipino families when going to the resting place of the deceased. Most families would include visitors on their transportation expenses and hire a private vehicle big enough to accommodate everyone.

Plan for Refreshments and Food

Filipinos are naturally hospitable when it comes to their visitors. They’ll offer food and refreshments to those who come and offer their condolences and prayers to the deceased and the grieving family. Allow a considerable amount for this expense.

Decide on Length of Viewing Service

The length of the wake ultimately decides the budget set for the refreshments and the transportation allowance for visitors. Unless you plan to have an intimate wake with your family that is also possible, you can expect the wake period to last from seven days to a maximum of two weeks.

Choose Flowers and Other Décor

Flower arrangements are also available to the prepackaged pre-need plans you are looking to purchase. You can always ask for inclusions and special requests as most funeral care providers will be glad to cater to your wishes.

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