Offering our families the best choices...
Peace of mind...
Most of our families experience a
tremendous relief when they realize
that all of the necessary details of their
funeral have been taken care of in
advance. Relieving this future
emotional burden for their loved ones
is an important part of planning ahead.
This peace of mind is enhanced when
they also realize that the financial
burden has been lifted from their
survivors.
Our firm has selected Homesteaders
Life Company as our partner in offering
funding for your funeral plan.
Why an Insurance Company?
For many years, most funeral homes
have funded such plans through bank
trusts. In 1987 the tax laws were
changed so that earnings on these
trusts became taxable to our families.
An insurance-based product is the only
choice that can grow tax free.
Why Homesteaders?
Homesteaders Life Company is a
mutual company (it is owned by its
Policyowners like you) that is based in
Des Moines, Iowa. It is a special
company that only offers these unique
plans for funding pre-arranged funerals.
The company does not offer any other
type of insurance.
Founded in 1906, this company has
a solid reputation for growth and
prompt payments of its claims.
Throughout its history, the company
has always concentrated on funding
funeral plans. The Homesteaders folks
are experts in dealing with your needs
and your questions.
Our firm's reputation is always at
stake, and we choose our business
partners very carefully. You can rest
assured that your plan is one of the
finest offered anywhere. We have
studied the cost/benefit of several such
plans, and feel very comfortable that
Homesteaders offers you the benefits,
protection, and tax-free growth that
make your funeral plan complete.
But I have enough Insurance!
The type of insurance that covers
the cost of your funeral plan is very
special. Unlike most "conventional"
insurance policies, your Homesteaders
plan is designed to continue to grow
in death benefit for the rest of your
life. This annual increase helps assure
that your survivors will not have to
pay any additional money for specific
goods and services you selected. Our
firm has agreed to provide the services
and merchandise that you have
selected for the proceeds available.
And, should the benefit increase to
more than our retail price at fulfillment,
the excess will be refunded to
your family, or will be available for
them to cover any unforeseen
expenses.
What if there's not enough money?
Our firm has assured you that prices
of the "guaranteed" items you selected
will not increase faster than the
Homesteaders policy will grow. This
protection for you and our firm was a
big factor in our decision to use
Homesteaders.
Some monthly pay plans have a
limited death benefit available in the
first one or two years. The benefit is
always greater than the amount you
have paid on your plan. In the event
that death occurs during this period,
your survivors woufd need to pay only
the difference between the money
available from Homesteaders and the
current cost of the funeral. Beyond this
limited period, even our monthly
plans are fully protected. If you are not
sure whether this limitation applies to
your plan, please ask.
What if I move?
We hope to be able to serve you,
but if you should move out of our
area, we will help you identify a
participating firm so that you may
make arrangements there. (Because of
price differences, the new firm may
not be able to guarantee your original
selections.)
Your Homesteaders benefit is fully
transferrable to any funeral home in
the country.
We want you to feel very good
about the steps you have taken and the
decisions you have made. Should you
have any questions whatsoever, please
feel free to give us a call anytime.
Should you talk to others who express
an interest in the concept of Advance
Funeral Planning, we would greatly
appreciate the opportunity to discuss
the benefits with them.
Thank you for your trust and confidence.
Do you have more questions?
Please contact us at the funeral home at any time.
In addition, should you have any questions to ask of Homesteaders, feel
free to call their Customer Service Department at 1-800-477-3633.
Info@MemoryGarden.com