 People choose to make funeral arrangements ahead of time for many reasons. Prearranging allows individuals and families to make funeral decisions in a calm atmosphere, without the emotional distress that is involved with arranging a funeral at the time of need. When you preplan your funeral, you will receive exactly the funeral you want, and your family will be spared from having to make those decisions while reeling with grief. Once you've made your choices regarding your funeral, you can also choose to pay for your arrangements in advance. With preneed life insurance, which is designed specifically for prearrangement funding, you'll know that the funds will be there when they are needed. When you use Columbian's Preneed Whole Life Insurance to fund your prearrangement:  | You can pay with just one payment or make payments over a number of years - | |
 | With a Single Pay Preneed policy, you have the option of increasing the policy benefit if you decide to add extra items to your arrangements later on. | |
| With a Multi-Pay Preneed policy, you choose the frequency of payments and the length of the payment period. You can make annual, semi-annual, quarterly or monthly payments over a period of 3, 5, 7 or 10 years, and you can even choose to have the payments automatically deducted from your bank account for convenience. | |
| Because the benefit amount of your Columbian Preneed policy is expected to grow each year, many funeral homes will guarantee the price of the goods and services they provide. This means that you purchase the policy based on the amount that your funeral would cost today, and the funeral home agrees to accept the policy benefit amount to pay for your funeral expenses at the time of need, no matter how much funeral prices rise. | |
| Under certain circumstances, the policy may be excludable from your assets when qualifying for Medicaid. | |
| If you move away from your current area, your policy can be used to fund arrangements with a funeral home in your new home town. | |
| If you have other insurance policies that are intended for specific purposes, such as education or living expenses, your family will not need to use them to pay for your funeral. | |
| Call 330-399-6650 to setup an appointment Today. | |
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