How to make prior arrangements for your funeral service?
Although prior arrangements are common practice, there are still many questions and misconceptions about pre-arrangements. Use the following resources to learn more about arranging your funeral beforehand. And if you have other questions, come see us in person to discuss it further.
Planning your funeral is simple. Here are some things that will be asked at the beginning of the process.
Personal information (so the government can issue a Declaration of Death):
- Name and address
- Date and place of birth
- Social Insurance Number
- Parents’ names (including mother’s maiden name) as well as place of birth
- The full name of spouse or partner
- Name and address of the executor of the will
Funeral arrangement category options:
Professional funeral services
- The type of ceremony and the way you would like to personalize it
- Embalming and other preparations
- Location of visitation and reception
- Transport service
- A wide range of caskets, including rental caskets for cremation
- Burial or cremation expenses
- Clergy fees
- Cost of newspaper ads
- Catering services for the reception
- Various taxes
Planning your funeral is an important step, one that does not require much time or paperwork. By sharing your personal information and funeral preferences with us, you can free your family from this burden and ensure that your last wishes are respected.
A financial investment
It is important to note that the Quebec Government specifically regulates contracts for the pre-arrangement of funeral services. The first thing to do when we meet with you to plan your funeral service is to establish precisely what type of funeral you want, so that we can determine the cost. You can then make a full payment on the spot or arrange deferred payments over a period of up to five years, regardless of your age.
Many people believe that at this point the funeral home gets your money. This is false. The funeral home places your money in a trust with the government. This money remains yours until you die. You will even have to write your check on behalf of the trust during your prior arrangements. Your money is secure, safe from harm, and will grow with tax-free interest until you die.
When you pass, the money (and interest) becomes the property of the funeral home. We will use this money to pay for your funeral, according to the price in effect on the date of your death. If the amount of money received is more than the cost of your funeral, we will refund the difference. If the amount of money is lower, the funeral home will assume the loss. We will never ask your family to pay an extra fee.
Did you know that your money earns non-taxable interest throughout the life of the contract? Even when you die, interest in the funeral account is not taxable. Your money does not go through your estate when you die, which can save you up to 2.5% in probate fees.
Many years ago, people did not necessarily know they had the option to prepay their funeral. Today, the perception is totally different. Now people think that you have to pay in advance. Obviously, this is not the case. You can choose not to pay in advance. We will review all your choices and document them so that they are available when needed. If you choose not to pay in advance, payment will be made at the time of death at the cost in effect at the time of death. Usually, your family will be asked for a deposit when funeral arrangements are being made, and the difference must be paid within 30 days or according to any other pre-approved agreement.
Prior arrangements as a financial investment:
- To free your family from the financial burden of paying for your funeral
- To plan a funeral that adheres to your wishes