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Pre-arrangement

There are some very good reasons why you may want to consider pre-arranging your funeral such as personal choice and peace of mind.

Many options are available to those who are interested in advance funeral planning. We invite you to take the time to visit with one of us and tour our  facilities. We would be pleased to help you by providing information that will help you in your decisions. There is never any charge or obligation for this service you may even begin the process on-line if you choose. 

Each year, Americans arrange more than 2.5 million funerals for family and friends. We are here to help you understand all the options availiable and to answer any questions you have. Learn more about pre-planning here.

 

Your Preneed Bill of Rights



Prior to purchasing any funeral goods or services or signing a preneed funeral contract, we urge you to ask us any and all questions you may have regarding your preneed purchases.

To ensure that you, as our client family, have a full understanding of the preneed funeral transaction, we guarantee the following rights and protections.

We will:

  • Provide you with detailed price lists of services and merchandise before you select services and merchandise.

  • Provide you with, at the conclusion of the funeral arrangement conference, a written statement listing the services and merchandise you have purchased and the price.

  • Give you a written preneed funeral contract explaining, in plain language, your rights and obligations.

  • Guarantee in the written preneed contract that if any of the merchandise or services you have selected are not available at the time of need, merchandise or services of equal or greater value will be substituted by us at no extra cost to you.

  • Explain in the written preneed contract the geographical boundaries of our service area and under what circumstances you can transfer the preneed contract to another funeral home if you were to relocate or if the death were to occur outside our service area.

  • State in the written preneed contract where and how much of the funds you pay to us will be deposited until the funeral is provided.

  • Explain in the written preneed contract who will be responsible for paying taxes on any income or interest generated by the preneed funds that are invested.

  • Inform you in the written contract whether and to what extent we are guaranteeing prices of the merchandise and services you are purchasing. If the prices are not guaranteed, we will explain to you in the written preneed contract who will be responsible for paying any additional amounts that may be due at the time of the funeral.

  • Explain in the written preneed contract who will receive any excess funds that may result if the income or interest generated by the invested preneed funds exceed future price increases in the funeral merchandise and services you have selected.

  • Explain in the written pre-need contract whether and under what circumstances you may cancel your pre-need contract and how much of the funds you paid to us will be refunded to you.

 

Prefunding Contracts



There are two major types of pre-funded funeral contracts:

  • Guaranteed: Charges for services and/or merchandise listed in the contract are fixed and will not increase.

  • Non Guaranteed: Charges for services and/or merchandise listed in the contract will be the current charges at the time of death.

Either of the above types of contracts may be:

  • Revocable: The contract can be terminated by the purchaser or the provider after proper notification.

  • Irrevocable: The contract can be terminated within thirty days of the date of the contract, but cannot be terminated by anyone after the thirty day period. The trust/insurance must remain in effect until the death of the beneficiary and a death certificate is presented to the bank or insurance company.

A funeral home may choose which type of contracts it will offer: Guaranteed/revocable, Guaranteed/irrevocable, Non guaranteed/revocable, or Non guaranteed/irrevocable. We offer the following types of contracts: Guaranteed/irrevocable, Non guaranteed/revocable, or Non guaranteed/irrevocable.

The SC Department of Consumer Affairs regulates all preneed contracts. The State Insurance Commissioner regulates all preneed insurance.

Only licensed funeral directors working for a funeral home with a preneed license are allowed to sell preneed trust and/or insurance in SC To be able to sell preneed insurance the seller must have an insurance license.