Pre-paying is the next step that can be taken following the pre-arranging. By taking all of the preplanning information about the services you want we are able to put it all together to see how much the services you selected would cost today. Most often we look at all the expenses which might also include family flowers, death date on a marker already in place, death certificates, church meal following the service, open/close charges of the cemetery, etc.

If you choose, there are several ways to prepay for your funeral. The most common ways include annuities, life insurance policies, savings accounts, and CD's (Certificates of Deposit). Each method has its advantages. To help determine which option is best for you, ask your funeral director the following questions:

• Who receives the interest on the account?
• Who must pay taxes on the interest?
• Is the prepayment ever refundable, in part or in full?
• Can the plan be used at a funeral home of your choice?
• What happens if the funeral home goes out of business or is sold?
• In the event that you move, is the pre-funded plan transferable to another funeral home?

Your funeral director should be able to answer all these questions and any others you might have. We would be honored to be asked to help you. Just give us a call at 620-241-2550 and ask for Troy or Ed.