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How Much Will it Cost to Pre-arrange My Funeral?

March 4, 2022

The actual meeting with the pre-need specialist at your local funeral home will be free. No cost. If after meeting with the specialist you decide to plan your funeral in detail, there will be no cost associated with putting your wishes on file at the funeral home. Once you have determined what you want (your wishes) the funeral professional will be able to tell you exactly how much your funeral would cost, today. 

After you have determined today’s cost of the funeral that meets your desires and will satisfy your family’s needs you will have choices. There are many options for how to pay in advance for your funeral. What works best for you and your family is personal.  You’ll want to consider several factors.

· Your income

· Your expenses

· Your assets and where are they invested

It might be helpful to think in terms of buying a new car. If you needed a car, how would you be most comfortable covering the cost? Would you withdraw from your retirement account or investments and pay in one payment, or would you prefer to cover the cost on a monthly basis? Of course, the cost of a funeral is far less than a new car, but you do have similar options. Most funeral homes offer programs that allow an individual to pay for a funeral over three years, five years, 10 years or even 20 years when they are paying in advance. Of course, you can always pay the total amount in a single payment.

The actual dollar amount you would pay monthly is calculated based on the total cost of your funeral in today’s dollars. A more expensive funeral will come with a higher payment per month than a lower-cost choice. As you would expect, the 10 year payment plan will come with a lower per-month payment than a three-year payment plan. 

In addition to the current cost, your age may be a factor that impacts the monthly payment amount. Many plans will pay off the balance owed should you die before completing the payment plan. This means older folks who choose to pay over time are a greater risk. So as would be expected they will have higher monthly payments than younger people. 

The prearrangement specialist at your local funeral home can explain all of the benefits of prepaying for your funeral in advance of need as well as all the options available to you. At the conclusion of your funeral planning session, you can: Pay today’s cost in one payment or choose a payment plan that suits your budget or leave your plan (wishes) on file at the funeral home for your family to follow at the time of your death. 

Prearrangement will allow you to make an informed choice and when the time comes your family will not be caught unprepared.

www.vittstermeranderson.com

Vitt, Stermer & Anderson Funeral & Cremation Services has been serving the families of Cincinnati with respect and professionalism since 1899. They provide quality funeral, burial, cremation and memorial services as well as special services for veterans from their locations in Delhi and Cheviot. They also provide options to pre-plan and pre-pay for your final wishes in advance. Learn more at www.vittstermeranderson.com.

Can Catholics Be Cremated and What To Do with the Cremains?

January 23, 2025
Final disposition is a personal choice. For many, their choice is guided by their religion, with many faiths having rules and restrictions about the proper way to spend forever. For many years, final disposition meant burial for Catholics, but what’s allowed today? Can Catholics be cremated? And, if so, are there rules on how to handle a cremated loved one?

I Want to be Cremated but my Spouse Does Not. Can we Still be Buried Together?

January 23, 2025
Choosing to spend eternity together is a beautiful way to show that the love between you and your partner does not end with your passing. When you pick out a burial plot in a cemetery, you’re deciding on a space where you can continue to be in one another’s company after your time together in this world has passed.

Finding the Right Words: Comforting Tips for Funeral Attendees

January 23, 2025
Finding the right words to express your feelings during such a deeply emotional time can feel daunting, and there is often a fear of saying something that might inadvertently cause more pain. We want to reassure you that your efforts to convey sympathy and your decision to be present are already profoundly supportive. In this guide, we'll provide you with straightforward advice to help alleviate some of this anxiety, ensuring that your words are both comforting and appropriate.

What are the Catholic Burial Rites?

January 8, 2025
When we say goodbye to the people we love, we often have certain traditions. Some of these traditions come from our families, but for many people, the faith they had in life informs the way their spirits are given a final farewell. When it comes to the Catholic faith, the Church offers a purposeful way to say goodbye, one that strengthens their bond with God and the community’s faith in Christ. This tradition is called the Catholic funeral rites or the Catholic burial rites, which contain three vital parts.

Death Care in America – The Birth of the Funeral Profession

January 8, 2025
Today, our options have multiplied. We can choose to be embalmed, cremated, or buried. We can choose to have a faith-based service or a secular celebration of life. We can choose to have an almost immediate burial, or we can wait for a more convenient time. We can even choose to have a home-based funeral service. Regardless of how we decide to say good-bye to our loved ones, we have access to the guidance of caring professionals: our local funeral directors, who operate under the guidelines and legal requirements of the state in which we reside.

Dressing for a Funeral: Comfort, Respect, and What to Wear

January 7, 2025
Attending a funeral is one of those things that makes everyone pause, not just because of the emotional weight, but also the big question: "What do I wear?" Let’s discuss.

Embracing Family in Funeral Planning

January 7, 2025
When it comes time to say goodbye to a loved one, the focus of the funeral often naturally falls on the family. It's the people who loved and knew the deceased best—spouses, children, grandchildren, friends, and even coworkers—who come together to remember and honor their life. After all, a funeral serves primarily those who survive; it is a rite that helps us shift our focus from the circumstances of death to celebrating the life that was lived.

What’s the Difference Between Entombment and Interment

December 20, 2024
There’s a lot to consider when looking for either your or your loved one’s final resting place, to the point that it can be easy to get overwhelmed. The decision only becomes more complicated when you’re met with unfamiliar vernacular. One choice you may have to make is between entombment or interment. But what exactly do those terms mean? And what’s the difference between interment and entombment?

What is a Retort? Is it the Same as a Crematory?

November 20, 2024
The world of funeral homes can be filled with unfamiliar terminology, and keeping track of it all gets confusing. Talking about cremation is no exception. So, what does it mean when someone says that they’re going to a crematory? What about a retort? Are those the same thing? Let’s break down the difference between these locations that are crucial to the cremation process.

When Should I Start Thinking About Planning My Own Funeral?

November 20, 2024
Not everyone preplans their funeral, but doing so is a gift to your loved ones. By doing so, you’re allowing your family to grieve in peace without having to worry about the hundreds of decisions that accompany the funeral-planning process. You’re also giving your family peace of mind by telling them your wishes for your funeral and final disposition. Since they know what you would have wanted, they won’t have to worry about whether or not they’re making the right choices.
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