Funeral Trust Agreements
/ Insurance & Assignments
Prearrangements are designed to gather information that will be needed at the time of death and to make one's wishes known. A form, which contains these details, is available that may be completed and left with the funeral home. As much as no one cares to think about death, it has been our experience that it is much less stressful when families have the opportunity to discuss wishes with their loved ones and gather information at their leisure than at the time of need. We realize circumstances do change so these forms are easily updated with a phone call or, preferably, a letter that may be attached to the form. We would be happy to make copies for you to keep or to leave with a loved one.
Funeral Trust Agreements / Insurance & Assignments
Funeral Trust Agreements by way of pre-funded burial insurance are a means of setting aside funds to be used solely for a person's funeral or cremation expenses. The funds are applied to the funeral home's charge for services, merchandise, as well as cash advance items (i.e. clergy honorariums, flowers, obituary expenses, grave opening and closing, musician honorariums, etc). When faced with the necessity of nursing home placement and application for medical assistance, the Department of Human Services will advise families to set up these trusts while funds are still available.
Pre-funded burial insurance can protect assets during long-term car or illness; using an insurance mechanism can help alleviate any financial burdens on those you love. Because we know not every situation is the same, we offer three different options so families can choose the one that makes the most sense for their budget; those options are: single pay, multi-pay or an annuity. One benefit to a pre-funded burial insurance is that the state currently allows an individual to set aside funds for not only themselves but for their spouse, children (including their spouse) and their siblings (including their spouse as well) to help them in the spend down process to become eligible for medical assistance.
If you already own a policy from a different company, you can opt to complete an irrevocable assignment to the funeral home so that you might qualify for medical assistance benefits. We can assist you with the required paperwork.
401 Madison Avenue Baraboo, WI 53913 | 608-356-6571
Cremation Services are an alternative means of final disposition from the traditional funeral service, but offer many options. For instance, your loved one may be embalmed for viewing and/or a funeral with the cremation following services. Or, you may opt for immediate cremation and hold a memorial service at a future date. You might choose to inter the cremated remains in a cemetery or scatter them in an appropriate location. There is a difference in cost between cremation and funeral services, most notably in cemetery expenses and the need to purchase a casket, although cremation caskets are available. Please feel free to contact us to determine current prices on the items and services you are considering.
Funeral Services have changed over time to best accommodate the bereaved family's need to honor the deceased and comfort the survivors. Services may vary greatly between religions, geographical locations, and personal family preferences. Asking the cost of a funeral would be a little like asking the cost of a wedding - it will all depend on what is chosen. We strive to offer a wide variety of products and services to choose from. One of us will gladly advise you on the cost of any particular service or product you may be interested in and supply a copy of our current General Price List, Casket Price List or Vault (Outer Burial Container) Price List upon your request.
At the time of arrangements, you will be given an estimated purchase contract. A final statement can only be completed after the services are over and actual costs (for cash advanced items such as obituaries, flowers, luncheons, etc.) have been determined. Our staff is dedicated to providing the most meaningful service possible to you and your loved ones, and will make every attempt to fulfill your wishes.