Learn About Pre-Planning
At Carlson-Geisendorf Funeral Home we can answer all of your
questions about pre-planning. We offer several payment plans and
use National Pre-Arranged Life Insurance Company and the Kansas
Funeral trust as funding agents. Let us help you experience the
peace of mind and sense of security that comes from knowing that
your funeral cost will be covered in the future and you will pay no
The planning concept has been part of our daily life from the
beginning of time. To plan for any endeavor, occasion, or event
simply ensures that it is more likely to take the form you
intended. Pre-arranging for funeral services is no different; it
affords you the opportunity for making decisions at a less
stressful time, as well as opting, if you so choose, to secure the
financial obligations at today's costs. We encourage you to take
the time to review the information on this page, especially the
FAQ (Frequently Asked Questions). Discuss any questions or
concerns openly with family members, clergy, and your funeral
director before making any final decisions.
Through the years you've planned for your dreams and made many
important decisions, such as weddings, children's education, home
ownership, and retirement. Today, more people are also preparing
themselves and their families for what they know will happen.
For some, just the simple fact that they have given basic
directions to family members, provides comfort that their loved
ones will not have to make difficult decisions at their death. This
is commonly done by sitting down with a funeral director and after
reviewing options, recording your wishes in a confidential funeral
home file. Usually a copy of the funeral decisions would also be
kept with other important personal documents that are accessible to
surviving family members. It's that simple and Carlson-Geisendorf
Funeral Home never charges for advanced planning consultation.
Some will wish to go a step further with advanced planning and
want to pay funeral expenses in advance. Strict state laws govern
the prepayment of funeral expenses to assure the funeral
purchaser's funds are protected. Prepayment for funeral services,
unlike prepayment of cemetery expenses, can not be made directly to
a funeral home. An approved funding vehicle must be utilized, which
in most instances allows the consumer to receive a full refund with
interest should needs change in the future. Most common of these
are funeral trust accounts with FDIC insured financial institutions
or highly rated funeral insurance companies. Most prepayment plans
guarantee the consumer will pay no more for the funeral services
arranged. Under no circumstance can a funeral home invade these
accounts before the funeral services are rendered and proof of
services rendered have been provided. Prepayment of expenses for
services and merchandise with a cemetery are regulated differently
and are seldom refundable.
Some families today are finding the need to "spend down" assets
for an elderly or ill parent or family member. Circumstances have
forced them to seek assistance from SSI or Medicare. These families
have been instructed that the affected person cannot receive
assistance until their assets are depleted to a specific amount.
Before this occurs a family is advised to consider an "Irrevocable
Funeral Agreement." This agreement allows for prepayment of funeral
services using the affected person's funds. When done, the funds,
while still the purchaser's, are exempt from their assets, as they
must be used only for their funeral expense.
As with any important decision, it is important that a family
communicates their wishes and requests with each other. It is not
wise for a husband and wife to make arrangements without complete
disclosure and acceptance from each other. All persons involved
should be comfortable with decisions made.
We endorse the concept of pre-arranging. It is smart, makes good
sense, and is an economically sound decision. We invite you to
experience our difference in personal attention and sensitivity
without pressure or obligation, with the freedom from the pressures
of immediate need.
Here is a list of questions we are frequently asked, along with
the answers. If you have other questions, feel free to drop us an
e-mail, or call 785-823-3456 or toll free 1-877-823-3456.