Why Plan Ahead

For Peace of Mind – Many who have experienced the emotional strain of arranging a funeral within hours of losing a loved one have gone on to pre-plan their own funeral. When you begin to understand the financial and emotional pressure that a funeral can thrust on loved ones, it becomes clear that planning in advance is a considerate and responsible thing to do. By planning ahead, you lift the burden from your loved ones by taking away the pressure of decision-making at a time of grief and emotional stress.

For Personal Choice – Funeral arrangements are a deeply personal choice. Pre-planning gives you the time needed to make practical, detailed decisions that reflect your standards, lifestyle, taste and budget. As part of our commitment to you, rest assured that we will make sure that your wishes are fulfilled.

To Lower Costs – Pre-planning can save your family money. By locking in today’s funeral costs and ensuring that the necessary funds are set aside, you relieve yourself of unnecessary future worry and make sure your survivors are not landed with an unexpected expense.

How Gaffney Can Help You To Pre-Plan Your Funeral – These days there are many options and considerations when it comes to planning a funeral or memorial, and it is easy to become overwhelmed with so much choice. We can help you navigate the possibilities and put in place the arrangements that best suit your wishes and budget. Afterwards, you will feel comforted that, after you have gone, your surviving loved ones get will not have the distress of arranging your funeral.

Discover peace of mind by planning and funding your funeral or cremation in advance. When you pre-fund your funeral or cremation, it relieves your family from future financial responsibility and ensures you are price protected years in advance of your need.

• Pre-Payment in Full
• The first method is to make payment in full. This will guarantee the price of the funeral and merchandise selected. 
• Pre-Funding Through Life Insurance or Bank Trust
  
• Pre-funding funerals is a growing trend in America because of the peace of mind that comes from having one’s affairs in order. Funding those arrangements with insurance coverage or a bank trust are the two ways Steward & Williams handles pre-funding.

• Your Funds Are Secure
• Your insurance and trust funding are backed by national industry leaders for many years providing preneed insurance and preneed bank trust accounts with a large book of business. They both consistently earn high marks for financial stability from the top financial ratings companies in the country. 
• Tax Free Value, Tax Free Benefit
• Our plan provides life insurance benefits that are exempt from federal income tax when paid to a named beneficiary. Neither the increasing value of the coverage nor the total benefits paid at the time of death are federal income taxable. 
• Merchandise and Funeral Cost
• One of our planning consultants understand that your personal choices are of the utmost importance. Your planning consultant will meet with you to show the quality merchandise, assist you with the selection of the necessary merchandise and help you make the proper arrangements. Through pre-planning the cost of a funeral will be controlled. Merchandise selection during your pre-planning helps insure that you do not exceed what you want to pay. Pre-payment also offsets the risk of rising funeral costs in the future due to inflation.