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 Post subject: Do Not Prepay
PostPosted: Sun Jul 17, 2016 7:51 am 
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Joined: Mon Nov 04, 2002 1:01 am
Posts: 1705
Location: Big Prairie Ohio USA
We just had a real learning experience. My mother-in-law had a "prepaid" funeral, plus an insurance policy with the funeral home as beneficiary . In the end we had to pay over five thousand on top of that. They charged $1100 to "open the kyrpt " which was already paid for, Over two thousand for the casket because the prepaid one was no longer available. And several other added fees. My wife's sister had a real "break down over"it and found out this is usually the case. So I advise any and all NOT to prepay for funeral expenses it is a real rip off!


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 Post subject: Re: Do Not Prepay
PostPosted: Sun Jul 17, 2016 11:43 am 
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Joined: Sat Jan 14, 2006 10:44 am
Posts: 3842
Location: Skagit Co WA
We found out almost the same thing with my parents' "pre-paid" burial plot for their cremation urns. Preying on the vulnerable. Disgusting!

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 Post subject: Re: Do Not Prepay
PostPosted: Tue Jul 19, 2016 11:10 am 
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Joined: Mon Jun 18, 2007 5:35 pm
Posts: 3604
Location: Hutchinson Ks
Too late for us. We have already prepaid for funeral services.
We paid for cremation at the funeral home. We paid for our columbarium at our church. I made the urns to go into the columbarium. And the obituary's are pre paid.
I think that primarily you are buying an insurance policy to cover the costs. The insurance company should make enough money off your investment to cover any increase in the costs.
We have no life insurance any longer. Our term policies ran out but, we were able to save enough that we have more in investments than we ever had before in insurance anyway. Our children are grown and gone and should receive some inheritance (if I don't spend it first) and that should cover any unexpected expenses later.
At the age of 65 (I'm 72 now) I decided that any future burden for my kids should not be a problem for them and planed ahead.
So sorry things didn't work out in your case. I think that I would find a good lawyer to help out.

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An ounce of responsibility is worth a pound of State and Federal laws.

I spent most of my money on woodworking
tools and beer, the rest I just wasted.


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