Does Paying for Funeral Services Now Save Money?
May 6th, 2010
Bill R. asks "Can I save my family money by paying for all of my funeral services before I die?"
It's possible. If you choose to have funeral home services and merchandise guaranteed with a funeral contract it is called "prefunding a funeral." At Krause Funeral Homes a written contract guarantees that there will be no hidden or additional costs for the funeral arrangements you choose and removes the possibility that grieving or guilt-stricken family members will feel the need to overspend. And your contract is portable—in the event you move, the plan and funds are yours to use at whichever funeral home you desire. A prefunded funeral can also provide real benefits if applying for Medicaid.
Here's how it works: When you prefund a funeral you and your certified preplanner will put the details of your wishes in writing—including specific services and manufacturer and model of the merchandise you choose.
At the time of death that detailed list will be compared with a current price list to gather current costs. If at the time of death the cost of services and merchandise chosen is MORE than the value of the policy, the funeral home will cover the difference. In that way you are guaranteed the service and merchandise you chose at no additional cost to you.
If after comparing the current costs with the value of the policy the total is LESS than what is in the policy, the excess money goes to the family.
We cannot guarantee “Miscellaneous” fees, as they have nothing to do with the funeral home. For example, we have no control over the increase in costs or the amount the family may want to spend for newspaper death notices, flowers or the cost of the luncheon or cemetery plot.
For additional information on preplanning funerals click here or contact us.
*For privacy reasons, we have changed the names of the people who have asked questions.

In celebration of Arbor Day this Friday, many will take steps to keep our Earth green. Planting trees is certainly a positive step; trees provide shade, harbor wildlife and help beautify a yard. But they do much more than that.
School kids around the world celebrate all things Dr. Seuss today, as he was born on this date 106 years ago. Kids will don funny accessories to emulate the Cat in the Hat, dine on delicacies like Green Eggs and Ham and hopefully read a famous tale or two as part of Read Across America, an initiative created by the National Education Association. Dr. Seuss, whose given name was Theodor Seuss Geisel, was known as a jokester and for his unique use of funny animals as reading enticements.
Oliver, Krause Funeral Homes’ trained, on-staff therapy dog, is a hit with children; and for many, petting or hugging Oliver has a calming effect and triggers happy memories. He is a hypoallergenic Portuguese Water Dog and has completed Canine Good Citizen and therapy dog training. In addition to attending funerals, Oliver often visits hospitals, nursing homes, hospices and children’s facilities as a community service. His presence at funerals is optional and free of charge.
Flower arrangements are a part of so many traditions: weddings, funerals and even the Olympics. Winning athletes are given bouquets of flowers before they are given their medals. In Beijing athletes received roses; Turin Olympians were given groupings of azaleas, rhododendrons and camellias. In British Columbia the green mum and hypericum berry bouquet beat out 57 other arrangements–and not just because green mums are indiginous to Canada, have little fragrance and a low pollen count (lessening the chance for Olympian allergic reaction). The winning arrangement has a nifty philanthropic angle.
The recent snow dusting here in Milwaukee creates breathtaking, picturesque winter scenes. But, it also makes roads more dangerous; especially for the youngest and oldest drivers.
Maureen C. writes, "I have often wondered about the condolences one might send via the computer. During their acute time of grief, family members might not feel able to go online and read correspondence and thus would miss the thoughtful messages from friends."
The embalming procedures used by priests back in 1342 B.C. allowed researchers to find viable DNA in 16 royal mummies, including King Tutankhamen, according to a study published yesterday in the Journal of the American Medical Association. With that DNA, scientists have determined that the pharaoh’s parents were siblings, it’s likely he married his sister and he fathered two stillborn babies. They also concluded that it was probably malaria, not murder, that killed him. Medical and radiological investigations reported that he had Plasmodium falciparum (the cause of the most severe form of malaria) along with a debilitating bone disorder, club foot, cleft palette and freshly broken leg.
Richard T. writes: “Today is ‘Fat Tuesday’ which reminded me to post a question about food. Is it disrespectful to eat and drink at a visitation or funeral?”