No. Today's funeral pre-planning allows you to "Lock In" the price of your funeral. No matter how long you live or how much prices increase, you receive peace of mind from knowing that your survivors will not have to pay another penny for the products and services selected and paid for today.

If you die before your funeral plan is paid in full, it will automatically be paid off for you (with some limitations). Your pre-planning counselor will explain these limitations to you. You must be current on all payments in order to receive this benefit.

according to South Carolina law, the funeral home may not use your money until you die. We are required to place the money into an investment which becomes payable to the funeral home upon your death.

You are still protected. If, this were to happen, your funeral plan investment would (by law) become payable to funeral home of your choice. The new funeral home would have the option of whether or not to honor the price guarantee.

That would not create a problem. In the event you were to choose a different funeral home for any reason, your funeral pre-planning investment would (by law) become payable to the funeral home that renders the service. Again, the new funeral home would have the option of weather or not to honor the price guarantee.

No, although your funeral pre-planning investment will grow in value, it would not result in additional taxes to you.

No. If your funeral plan is made irrevocable (and most are) then the money in the plan can not be touched for any purpose until you die.

There are many reasons. However, most people make these plans because they love their families. If we die without pre-planning, the last thing we do on earth is leave our loved ones with emotional burden and financial debt

When compared to other major life events like births and weddings, funerals are not expensive. A wedding costs at least three times as much; but because it is a happy event, wedding costs are rarely criticized. A funeral home is a 24-hour, labor-intensive business, with extensive facilities (viewing rooms, chapels, limousines, hearses, etc.), these expenses must be factored into the cost of a funeral.

Additionally, the cost of a funeral includes not only merchandise, like caskets, but the services of a funeral director in making arrangements; filing appropriate forms; dealing with doctors, ministers, florists, newspapers and others; and seeing to all the necessary details. Funeral directors look upon their profession as a service, but it is also a business. Like any business, funeral homes must make a profit to exist.

It really depends entirely on how you wish to commemorate a life. One of the advantages of cremation is that it provides you with increased flexibility when you make your funeral and cemetery arrangements. You might, for example, choose to have a funeral service before the cremation; a memorial service at the time of cremation or after the cremation with the urn present; or a committal service at the final disposition of cremated remains. Funeral or memorial services can be held in a place of worship, a funeral home or in a crematory chapel.

With cremation, your options are numerous. The cremains can be interred in a cemetery plot, i.e., earth burial, retained by a family member, usually in an urn, scattered on private property, or at a place that was significant to the deceased. (It would always be advisable to check for local regulations regarding scattering in a public place-your funeral director can help you with this.)

Today, there are many different types of memorial options from which to choose. Memorialization is a time-honored tradition that has been practiced for centuries. A memorial serves as a tribute to a life lived and provides a focal point for remembrance, as well as a record for future generations. The type of memorial you choose is a personal decision.

You might choose ground burial of the urn. If so, you may usually choose either a bronze memorial or monument. Cremation niches in columbariums are also available at many cemeteries. They offer the beauty of a mausoleum setting with the benefits of above ground placement of remains. Many cemeteries also offer scattering gardens. This area of a cemetery offers the peacefulness of a serene garden where family and friends can come and reflect.

If you wish to have your ashes scattered somewhere, it is important to discuss your wishes to be scattered ahead of time with the person or persons who will actually have to do the cremation ashes scattering ceremony, as they might want to let your funeral professional assist in the scattering ceremony. Funeral directors can also be very helpful in creating a meaningful and personal ash scattering ceremony that they will customize to fit your families specific desires. The services can be as formal or informal as you like. Scattering services can also be public or private. Again, it is advisable to check for local regulations regarding scattering in a public place-your funeral director can help you with this.

Yes — Depending upon the cemetery's policy, you may be able to save a grave space by having the cremains buried on top of the casketed remains of your spouse, or utilize the space provided next to him/her. Many cemeteries allow for multiple cremated remains to be interred in a single grave space.

Uncertainty about income tax issues can add to the stress experienced from the death of a spouse. You should meet with your family attorney and/or tax advisor as soon as possible to review your particular tax and estate circumstances. Bring a detailed list of your questions to the meeting. If you do not have an attorney or tax advisor, call the IRS toll-free at 800-829-1040 for answers to specific tax questions.

There are a number of options available, including:

• Determine if the deceased person qualifies for any entitlements. Check with the Social Security Administration, the Department of Veterans Affairs, and with your State Fund. Many people are entitled to get financial assistance with their funeral costs from these agencies if they qualify.
  
• Review all insurance policies the deceased person has, including life insurance. Some life insurance policies have coverage clauses for funeral related costs.
  
• Find local charities providing financial help for funeral expenses. Search for non profit organizations and for churches in your area.
  
• Talk to your funeral director about cremation options - these can be much less expensive depending on your choices.