There are many advantages to planning a funeral ahead of time. By pre-planning a funeral, difficult decisions will not have to be made during a time of grieving and stress. Your wishes can be put into writing to give your family direction when the time for funeralization comes.

With regards to pre-planning for funeral arrangements, there are a lot of questions and answers. We have listed a few important facts that may help answer some of your questions. Please feel free to contact us at any time.

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Know the Facts of Pre-Need:

• Maryland state law requires that funeral homes deposit of minimum of 80% of pre-need funds into a federally insured banking institution. We, as a practice, deposit 100% of all monies for pre-need, foregoing any commission on these accounts.

• When an Irrevocable Trust Agreement is established between the funeral home and the purchaser, the monies are escrowed into an account under both names and the purchasers Social Security Number. However, these funds are not considered an asset as regards to government benefits and taxation.

• All Monies in an Irrevocable Trust belong to the purchaser and are intended for their burial purposes only, these monies cannot be refunded to the person at the time of death.

• When a fully funded pre-planned funeral contract has been signed, no further monies will be required. When stating fully funded, this is when, the full amount of the funeral is paid in cash, insurance policies do not act as cash, the interest that is gained is used to offset the cost of inflation, therefore allowing us to offer the same merchandise or merchandise of equal value in the future for no significant difference in cost.

• Any person wishing to transfer their pre-need funds to another funeral home, in or out of state, is entitled to 100% of their initial funds and any interest that account has earned.