At your family's greatest time of need, they shouldn't have to worry about the details or wishes for a funeral. Provide yourself and your family with the peace of mind you deserve.

Pre-arranged and pre-funded funerals offer many benefits such as the luxury of making the arrangements for your own final care assuring that you receive exactly the service that you want, without the financial burden to your loved onces.

Making funeral arrangements at the time of loss is extremely difficult for those left behind. When the funeral, and sometimes even the payment, have been arranged in advance, most of the decisions have been made, sparing uncertainty and confusion at a time when emotional stress causes decision making to be difficult.

There are several benefits to funding your funeral prearrangement in advance.

* The funeral services may be carried out at little or no additional cost to your family.

* Funds may be immediately available to pay funeral costs, with no waiting period due to probate or other delays.

* May prevent other life insurance policies from being depleted at the time of a loved one's death.

* Allows you to consider cost-effective options at a time when you are better prepared to make sound, fiscally responsible decisions.

* There may be flexible payment options to meet your needs.

* The death benefit of a preneed life insurance policy grows over time to help offset inflation. In other words, you are paying for a funeral tomorrow at today's rates.

* A preneed life insurance policy is portable; therefore, if you move to another area, the insurance can be used to fund a new prearranged funeral contract with the funeral firm of your choice.