Funeral Directors do not always tell you about the Lower Cost Funeral.

They may try steer you away.

Funeral Homes often do not always tell you the truth about funeral cost. Many times they try to get you to prepay for a funeral and get you a thinking you are saving money when instead they are taking the Interest on your money.The Illinois Funeral Directors Association has a 40 million dollar deficit in their fund. the State of Illinois has taken away the Illinois Funeral Directors Association to manage the fund.

Here is a part of letter from a chain of active prepayment funeral homes in Central Illinois.

http://www.calvertmemorial.com/web/?link=planning

At first glance the sales letter is pretty persuasive.

“:: Advanced Planning Saves Your Family Money
Today’s funeral costs less than you might expect, but the costs do continue to rise. You can stop increasing prices by several prepayment options, locking your costs at today’s prices.

:: Advanced-Planning Makes Sense
If you were leaving in the morning for a two-week vacation, and you found a cancellation notice for your homeowner’s insurance in the mail, most likely you would get a new policy in place before you left. Most people would, even though there’s only a one in 80,000 chance they might lose their home to fire. Yet most of us haven’t given serious consideration to making funeral plans – when the chance of dying sometime in the future is one in one. We often plan for the improbable – planning for the inevitable simply makes sense.” ” THIS IS THE DIRECT QUOTE FROM THE CALVERT HOMES WEBSITE” ( Calvert Metzler Funeral Home)THIS IS THEIR WORDS”

The last two paragraphs of the letter are deceptive. Important information is left out.

“You can stop increasing prices by several prepayment options, locking your costs at today’s prices.” This is true but left out is the fact that the “Funeral Home Owner” and the “Prepaid Insurance Company” take most if not all the interest on your money you give them.

The last paragraph is “::Advance Planning Makes Sense” is subtle and deceptive. Funeral Insurance and Fire Insurance is not an apples to apples comparison.

This is a persuasive letter for prepayment of funerals. It strategically leaves out “What happens to your money” and purposely compares apples to oranges to deceive and scare you.

In the book Rest in Peace Insiders Tips to the Low Cost Less Stress Funeral by Matt Bacak and R Brian Burkhardt these deceptions are exposed and you are given tools to negotiate these situations away.

Your Funeral Guy, Author, Funeral Director State of Illinois.

Your Funeral Guy strongly encourages you to pre-plan your funeral but not prepay. It is your money not the funeral directors money.

Your Funeral Guy is being asked to name names in the IFDA Preneed Trust Mismanagment or scandal. He is only providing names that are a part of the public record, and names available on the internet that are connected to prepayment of funerals. He urges all interested parties to contact the Illinois Funeral Directors Association for the exact details of the 40,000,000 deficit.

Your Funeral guy