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Are prepaid funeral plans right for you?

You may have heard about prepaid funeral plans in Iowa. They sound like a good idea because you can plan your funeral and all the related things now so your family does not have to mess with it when you die. In addition, it helps ensure things go exactly how you want them to. Plus, you have probably heard you can save money by doing your funeral this way. While all these things seem like great reasons to preplan your funeral, the reality is not always so wonderful.

According to U.S. News and World Report, the actual value and benefits of prepaid funeral plans really depend on the contract you sign. There are many things that can go wrong and end up costing you or your family more money and time in the long run. For example, if the funeral home goes out of business, you have to be sure your contract covers this. If it does not, you could completely lose out. 

Another issue to be concerned about is not knowing exactly where your money is put. When you preplan, you also prepay. By law, the funeral director has to let you know where he or she will put your money. Typically, this is in a trust, but it could also be held in other ways. In any event, if you do not know where your money is, it could be taken and never actually applied when it comes time to hold your funeral. 

Also, make sure you know the cancellation policy and understand all the details of your contract to avoid issues. This information is intended for education only and not to be taken as legal advice. 

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