M any who have undergone the emotional strain of arranging a funeral within hours of losing a loved one have made the choice to pre-plan their own funeral. Doing so lifts the burden from their loved ones by relieving decision-making pressure at a time of grief and emotional stress.

F uneral arrangements are a deeply personal choice. Pre-planning provides you with the time needed to make practical, detailed decisions that reflect your standards, lifestyle, taste and budget. And we assure you and your family that the choices you make will be carried out as planned.

T here are generally three ways to prepay a funeral.

1. A regulated trust can be established by a licensed funeral director.

2. A life-insurance policy can be purchased, equal to the value of the funeral.

3. Individuals can establish a savings or certificate of deposit account earmarked for funeral expenses. The account can be designated as "payable on death" (POD) to the funeral home.

Dengel and Son Mortuary makes no guarantees regarding future funeral costs, but all funds set aside plus all growth will apply to the cost at the time of need.