No one likes to think about death, let alone plan for it. In many families, discussing one's mortality is an extremely uncomfortable topic. But it is a topic that should be discussed and planned for well in advance of your death.

By pre-planning your funeral, you relieve your family of having to make important financial decisions during a period of great stress and grief-a time when people aren't thinking very clearly and may not know what to do because you never made your wishes known.

It's easy to say, "Don't make a fuss. I don't want a ceremony. Just bury me and be done with it." But it is important to realize that the ritual of a funeral and/or memorial service isn't for the deceased but for the living. It is a time when friends and family can gather together to grieve openly and to provide support for one another.

Pre-planning your funeral can be very informal, and as simple as jotting down your preferences and sharing your wishes with a family member. More formal arrangements in the form of a preneed contract can be set up with us and can be pre-funded through life insurance, bank trust agreement, or another method.

Pre-planning, when done properly, can give you peace of mind because you know that your arrangements are ready and pre-funded.

By pre-planning your funeral, you can:

• Make all the arrangements during a time of peace and not leave them to your family during their time of grief
  
• Make your wishes known
  
• Control the cost of your funeral and protect from inflation
  
• Ensure that personal records are organized and easy for your survivors to locate
  
• Protect your insurance so that it provides for your survivors and not for funeral expenses
  
• Provide protection in case the need arises before it is expected