Frequently Asked Questions
What happens if I go into a nursing home?
The money in your plan is sheltered and cannot be touched by anyone but yourself. This includes nursing homes, income tax, lawyers and estate costs. Also, your plan can not count as an asset if you apply for a government subsidy.
What is a ‘Celebration of Life’?
Essentially, a Celebration of Life is the same as a Memorial. A Celebration of Life Service is a ceremony held at a location where the deceased and casket are not present, but where the urn containing the ashes may be present. This may include: reserving facilities and a member of the Clergy or celebrant, catering and reception, placing obituaries, and arranging for guest books and flowers. There are a variety of options to choose from to create the celebration or service you want.
What if I don’t know anything about Cremation & Burial options?
We are final expense Life Planner specialists who will work closely with you to document your choices. Our objective is to make available the information you need to pre-plan your final arrangements to truly reflect your values.
Isn’t final expense pre-planning primarily for the older generation?
No! Final Expense Pre-planning or pre-arranging hold great advantages for all age groups. There are many financial and emotional benefits to pre-planning regardless of your age. This is the program for you if you are interested in sharing your desires, relieving your family of difficult choices and unnecessary expenses, and making important decisions without the pressure of illness or circumstance.
How much does a pre-need plan cost?
The cost of your pre-planned cremation or burial depends on the cost of the merchandise and services you select for your final expense plan during the preplanning process.
How do I pay for my plan?
You can choose to make a single premium payment and owe nothing further or you can choose a plan that provides insurance coverage while you make payments over several years. You may also choose to have the monthly payments withdrawn from your bank account automatically. The choice and the control are all yours. When you pre-fund with us you are assured of flexible payment options to fit your financial situation. Our wish is to make funding your Final Expenses as simple as possible for you.
Can I change my mind after pre-funding?
Yes. You have a 30-days from the day you receive your certificate to change your mind.
After I die, how are the funds accessed?
Your executor or next-of-kin notifies the funeral home and quotes your plan number. The funds are transferred within days.
Is my money protected for as long as I live?
Yes. Your plan is backed by Assuris under the Insurance Act of Canada, before and after your death.
What is the best way to record my wishes?
When you set up a Final Expense Plan, you will receive a complimentary copy of our “Wishes and Memories Planning Guide” so you can record your wishes.