Obituaries

Marian Lyons Russell
B: 1925-02-14
D: 2017-12-15
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Lyons Russell, Marian
Mildred Molasky
B: 1928-01-30
D: 2017-12-13
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Molasky, Mildred
Marjorie Finn
B: 1925-12-20
D: 2017-12-13
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Finn, Marjorie
Edward Kappes
B: 1934-06-03
D: 2017-12-09
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Kappes, Edward
John Dwyer
B: 1931-03-13
D: 2017-12-07
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Dwyer, John
Edward Hardt, Jr.
D: 2017-11-27
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Hardt, Jr., Edward
Elizabeth Emery
B: 1921-04-20
D: 2017-11-26
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Emery, Elizabeth
Phyllis Church
B: 1942-10-05
D: 2017-11-18
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Church, Phyllis
Jo-Anne Siracusa
D: 2017-11-17
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Siracusa, Jo-Anne
Sister Mary Thomasine, RSM
D: 2017-11-07
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Thomasine, RSM, Sister Mary
Lynn Shambeau
B: 1944-06-12
D: 2017-11-06
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Shambeau, Lynn
Isabella Mancini
B: 1941-04-04
D: 2017-11-06
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Mancini, Isabella
Ralph Barry
B: 1933-07-15
D: 2017-11-05
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Barry, Ralph
Carson Keeling
B: 1939-01-17
D: 2017-11-04
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Keeling, Carson
Louise Antico
B: 1915-09-27
D: 2017-10-24
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Antico, Louise
Andre Sinclair
B: 1954-12-11
D: 2017-10-24
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Sinclair, Andre
Norma Poland
B: 1930-12-10
D: 2017-10-23
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Poland, Norma
Robert Knauf, Sr.
B: 1930-08-28
D: 2017-10-21
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Knauf, Sr., Robert
Irene Miller
B: 1953-03-18
D: 2017-10-19
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Miller, Irene
Anthony Farina
B: 1950-08-03
D: 2017-10-19
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Farina, Anthony
Elizabeth Smith
B: 1931-08-28
D: 2017-10-13
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Smith, Elizabeth

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Pre-Payment Options

OPTIONS FOR FINANCING FUNERALS

A funeral is an essential expenditure, and a little planning will eliminate the uncertainty of costs and payment. If you don't plan for funeral expenses, you run the risk of your family having to ask friends and relatives to share an unexpected financial burden, which can put everyone in an embarrassing and uncomfortable position. And if you borrow money, it has to be repaid.

Here are some options for financing funerals:

Pre-Need Insurance

Pre-need plans are designed to cover the expenses associated with your death and funeral. Pre-need insurance companies such as Homesteaders Life and Fortis Family offer several payment options to give you flexibility.

Annuities

Generally, annuities allow for the money you pay to be invested. Interest is earned which will, over time, increase the amount of money available to pay for your funeral.

Life Insurance

A traditional life insurance policy can meet several needs--pay off loans, fund education costs, and provide for living expenses, as well as funeral expenses.

Bank or Funeral Trust

A funeral trust is similar to a savings plan. The earnings on funeral bank trust funds are taxed every year, and paid either by the family or by the trust itself.

Savings Account

Beware with this strategy. A long illness can easily deplete short-term savings, while taxes and early withdrawal penalties can reduce long-term savings.


For more information on funeral pre-planning and pre-funding, contact us.