As with all things in life, planning ahead for the expected as well as the unexpected is always the practical and responsible thing to do.

With our individual roles as parent, child, sister, brother or grandparent, there come certain responsibilities concerning the care of, and providing for, the needs of our families. This is never more true that at the time of the death of a loved one.

Advance funeral planning gives you the peace of mind that comes with knowing your funeral arrangements are taken care of while lessening both the financial and emotional burden on the survivors. By consulting those with professional experience you can provide for a cost-effective means of ensuring that arrangements and services are complete and that your wishes will be met.

Once you begin the program, everything you select now will be provided in the future AT NO ADDITIONAL COST to you or your family.

Should you move, you are still covered... and the value is transferable.

Should your circumstances change; if you're sued, go bankrupt, need nursing home care or go on Medicare/Medicaid or another government program, your prearrangement plan is protected.

To keep ahead of inflation, your program earns interest similar to a C.D. or savings account. Yet, this program fulfills such a specialized need; your interest is not taxable.

You may take up to 10 years to fund your program. If you die before your program is completely paid, the balance will be paid automatically in most cases.

As people change, so do their needs. Your program may be made more comprehensive or simpler - just call.

Unlike other programs, you are NOT turned down due to your health.

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

Planning ahead relieves a tremendous burden from your loved ones and truly is a Gift of Love.

"It's a way of showing them you care."