Pre-need Insurance

Pre-Need Planning: Making Informed Decisions on Pre- Arranged and Pre-Financed Funerals

Reflecting on the kind of funeral arrangements you will want when you die may not be one of things that you are eager to think about right now. But by making your funeral arrangements in advance, you can spare your family some of the emotional and financial burdens often associated with making arrangements when a death occurs. At the same time, you can assure that your personal preferences are honored.

Hitzeman Funeral Home, Ltd., can assist you and your family in the entire pre-planning process. Offering “pre-need” arrangements represent an integral part of the professional services at Hitzeman Funeral Home. Making these arrangements now helps you help your family later.

What are some of the advantages of pre-need planning?

  • When you plan ahead, you will be able to consider the many options available: burial or cremation, type of casket, cemetery plot, details of your funeral or memorial service.
  • You will have the opportunity to make an informed decision about your funeral and cemetery arrangements, and the form of memorial you prefer.
  • You are assured that your wishes will be followed.
  • By pre-paying for your funeral, you have the peace of mind of knowing that your family will not face the added burden of paying for a funeral.

What is the best way to go about pre-planning or pre-paying for funeral arrangements?

Hitzeman Funeral Home can provide you with complete information about pre-planning and pre-paying for your funeral arrangements. Simply contact Hitzeman Funeral Home at 708-485-2000 to make an appointment. In the meantime, you can request information by completing the Basic Information Request Form.

Close up of approved funeral insurance policy with pen, calculatorIs it possible to pre-plan and pre-pay for funeral arrangements for relatives in my care?

Yes, and it is often advisable to do so. Individuals responsible for caring for elderly relatives often face additional financial issues when thinking about pre-planning a funeral. Pre-arrangements are highly recommended for individuals receiving nursing home public assistance. The option of preserving personal funds for funeral expenses is everyone’s right under state law.

Before applying for public aid, individuals may set aside funds for funeral services as well as for the casket, grave space, marker, grave opening, and closing charges, and other fees. These funds are considered exempt from assets for a person applying for public assistance.

If I decide to pre-pay for funeral arrangements, how can I be sure that my pre-payment funds will be available when they are needed?

Todd Hitzeman and Susan Hitzeman are licensed insurance brokers, enabling them to offer pre-need insurance to those who wish to pre-plan and pre-pay for their services.

Funeral funds are protected by placing those funds with an insurance company. In addition, Hitzeman Funeral Home Ltd. is licensed and bonded by the Office of the Comptroller of The State of Illinois under the Illinois Funeral and Burial Funds Act, and reports annually to and is audited annually by the Office of the Comptroller of the State of Illinois.

Regardless of the amount of time that elapses between pre-payment and the time of need, you are guaranteed that the services contracted for will be delivered.