Pre-Funded Funeral Trusts

Putting money aside for a funeral is the greatest final gift you can give. Our Licensed Funeral Directors can help you pre-arrange, and pre-fund your funeral so that when the time comes, your family can know that all your final wishes and arrangements are in order. Our experience with Cooperative Funeral Fund and their reliability ensures that your money is safe and there when you need it.

Cooperative Funeral Fund is an investment adviser that services only Funeral Homes and Cemeteries. Being registered with the United States Securities and Exchange Commission guarantees that your money is invested in US Bonds, that are insured never to depreciate.

Depending on your needs, and the needs of your family trusts an be established as revocable or irrevocable. Typically, revocable trusts are used for pre-paying a funeral and irrevocable trusts are used in connection with medicaid applications and an asset spend down. Monies invested in an irrevocable trust are not considered as part of an individuals assets. Irrevocable trusts cannot be withdrawn, they can however be transferred to other funeral homes. In exchange for this, the beneficiary receives and interest benefit, and protection from confiscation by Medicaid.

These trusts behave similar to a life insurance policy, but unlike life insurance there is no monthly premium requirement. The process to open a trust is as simple as selecting the services, and merchandise you expect for your funeral, and a simple application to create the trust with our trust manager Cooperative Funeral Fund. You can elect to fully fund your funeral or set aside only a portion. Monthly payments are never required, though you have the option to make payments towards your trust, whenever you want – for however much you want. You can’t forfeit your money for not making payments, and you can’t default.

What expenses are paid for by an Irrevocable Funeral Trust?

  • Basic service charge of the funeral home
  • Other professional services called on
  • Embalming
  • Dressing and casketing
  • Cosmetology and hairdressing
  • Funeral home facilities charges
  • Viewing or visitation
  • Funeral service
  • Memorial service
  • Graveside service
  • Clergy honorarium
  • Death certificates
  • Funeral musicians
  • Temporary marker
  • Funeral stationary and cards
  • Printed death notices
  • Flowers
  • Clothing
  • Memorial packages
  • Funeral Merchandise
  • Casket
  • Urn
  • Alternative burial container
  • Outer burial container
  • Burial vault
  • Transportation
  • Hearse
  • Limousines
  • Cemetery charges
  • Stonework or monument