HOW DO YOU PRE-PAY FOR A FUNERAL?

• You may select one of three options to pre-pay for a funeral. 1. IN FULL 2. INSTALLMENTS 3. INSURANCE

PRE-PAYMENT IN FULL

• The first method is to make payment in full.

PRE-PAYMENT IN INSTALLMENTS

• Based on age, you could arrange a burial contract on a three, five or ten year installments with NO HEALTH RESTRICTIONS.

PRE-FUNDING THROUGH LIFE INSURANCE

• Pre-funding funerals is a growing trend in America because of the peace of mind that comes from having one's affairs in order. Funding those arrangements with insurance coverage or a trust are the two ways we handle pre-funding. Based on which way you would fund your pre-need determines the GUARANTEED or NON-GUARANTEED services and merchandise.

YOUR FUNDING IS SECURE

• The funding vehicles we use are Homesteader's Life Insurance Company, Forethought Life Insurance Company, Fortis Life and the Ohio Funeral Director's Master Trust. All of the companies meet the secured regulations of the State of Ohio.

TAX FREE VALUE, TAX FREE DEATH BENEFITS

• Our plan provides life insurance benefits that are exempt from federal income tax when paid to a named beneficiary. Neither the increasing value of the coverage nor the total benefits paid at the time of death are federal income taxable.

WHY PLAN AHEAD?

• Planning in advance of need provides peace of mind. The death of a loved one is a time of great loss and advance planning can reduce stress for your family with the knowledge that your preplan has been completed. This allows your loved ones to devote more time to coping and understanding the loss and less time concerned with funeral arrangements and financial details.

MERCHANDISE AND FUNERAL COST

• Your Funeral Director understands that your personal choices are of the utmost importance. Your Funeral Director will meet with you to show the quality merchandise, assist you with the selection of the necessary merchandise and help you make the proper arrangements. Through pre-planning the cost of a funeral will be controlled. Merchandise selection during your pre-planning helps insure that you do not exceed what you want to pay. Pre-payment also offsets the risk of rising funeral costs in the future due to inflation.