Memorial Plans Guide: Insider’s Money‑saving Tips
Memorial Planning is not about endings—it’s about preparing with love and protecting those who matter most. Choosing a memorial plan ahead of time gives families confidence, eases uncertainty, and shields them from sudden financial burdens. A plan arranged in advance is more than a budget—it’s a commitment of care. It can even be reassigned to another loved one if life takes an unexpected turn, extending its value beyond one person. Without this foresight, families are left only with a “package,” not a true “plan”—and the weight of higher costs during life’s most difficult hours. Learn more: Pre‑Need Plans vs At‑Need Packages
Usual Added Values
Memorial plans are more than basic coverage—they often come with thoughtful added values that bring families comfort and security when it matters most. These benefits are designed to ease financial burdens, provide protection in unexpected events, and ensure peace of mind through reliable support. By including features that go beyond the essentials, memorial plans help families face difficult times with dignity, stability, and confidence.
Needed Cash Assistance
Provides families with fast financial support during loss, helping cover urgent expenses without added stress.
Unpaid Balance Deemed Paid
Clears all remaining plan dues at the time of need, removing financial worry and ensuring smooth plan fulfillment.
Untimely Accidental Death
Adds extended coverage if death results from an accident, giving families added protection beyond standard terms.
Accidental Dismemberment
Provides financial benefits if permanent injury or loss occurs, supporting recovery needs and family stability.
Waiver of Premium Benefit
Keeps the plan active without payments under qualifying conditions, ensuring continuous coverage and peace of mind.
Smart Ways to Save on Memorial Plans
Securing a memorial plan ahead of time makes it far more affordable, because it is arranged as a pre‑need plan—a thoughtful preparation that protects families before expenses arise. By planning in advance, you lock in today’s rates, reduce financial stress, and ensure peace of mind for loved ones.
Waiting until the time of need, however, changes everything. At that point, it is no longer a true plan but only a “package,” often priced much higher and chosen under pressure. The difference between preparing early and waiting too late can mean significant savings and greater dignity for your family.
Learn more: Smart Ways to Save on Memorial Plans: A Practical Guide for Families
Common Inclusions
Memorial plans are designed to provide families with essential services and compassionate support during difficult times. These inclusions ease arrangements, protect loved ones from added stress, and ensure dignity and respect throughout the memorial process. By covering the most important needs, they allow families to focus on remembrance and healing.
Retrieval
Provides safe and respectful transport of the departed from the place of passing to the chosen facility.
Embalming
Preserves the body with expert care, ensuring readiness for viewing, memorial rites, and family gatherings.
PRO Make-up
Delivers a dignified appearance through skilled professional make‑up, honoring the memory of the departed.
Chapel Usage
Offers families a serene and optional space for gatherings, reflection, and meaningful memorial services.
Casket and/or Urn
Supplies an essential vessel, carefully selected with respect and dignity to honor the departed’s memory.
Ways to Secure a Memorial Plan
Families today have more than one option when it comes to arranging a memorial plan. Whether through the traditional route or the modern digital approach, each method offers its own advantages depending on convenience and preference.
The Traditional Method usually means visiting a branch in person, completing forms, and submitting requirements face‑to‑face. While this provides direct interaction, it often involves travel, waiting times, and the inconvenience of traffic.
The Digital Method has become the growing trend. With just an online link, families can secure a plan from the comfort of home, office, or anywhere with internet access. Information is submitted electronically, and payments can be made securely online—saving time and effort.
Whichever method is chosen, it is always best to consult an accredited agent first. This ensures that questions are answered clearly and that the plan selected truly matches the family’s needs and expectations.
Reviews
St. Jude
1/2/1931 – 9/29/14/2018
St. James
1/2/1931 – 9/29/14/2018