Lai Low
B: 1933-09-20
D: 2018-03-09
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Low, Lai
Lois Mayer
B: 1943-09-14
D: 2018-03-09
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Mayer, Lois
Mark Ruscitto
B: 1954-03-05
D: 2018-03-07
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Ruscitto, Mark
William Assenheimer
B: 1948-03-24
D: 2018-03-04
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Assenheimer, William
Barbara Russell
B: 1939-12-16
D: 2018-03-03
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Russell, Barbara
Laura Larrabee
B: 1953-03-25
D: 2018-02-26
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Larrabee, Laura
Maria Mojica
B: 1963-06-14
D: 2018-02-22
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Mojica, Maria
James Ostrander
B: 1947-02-01
D: 2018-02-22
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Ostrander, James
David Mincarelli
B: 1922-12-24
D: 2018-02-19
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Mincarelli, David
D. Cullen
D: 2018-02-19
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Cullen, D.
Leonard Cummings Sr.
B: 1922-10-03
D: 2018-02-18
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Cummings Sr., Leonard
David Jones
B: 1968-05-06
D: 2018-02-18
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Jones, David
Thomas Hesler
B: 1925-04-15
D: 2018-02-14
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Hesler, Thomas
David Countermine
B: 1942-08-10
D: 2018-02-14
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Countermine, David
Alice DesBois
B: 1922-07-18
D: 2018-02-13
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DesBois, Alice
Michael Sano
B: 1926-08-23
D: 2018-02-10
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Sano, Michael
Jean VanPatten
B: 1926-09-01
D: 2018-02-09
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VanPatten, Jean
David Peck
B: 1942-11-10
D: 2018-02-06
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Peck, David
Kenrick Persaud
B: 1955-04-22
D: 2018-02-04
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Persaud, Kenrick
Charles Lewandowski
B: 1968-10-28
D: 2018-02-01
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Lewandowski, Charles
Stephen Barkley
B: 1956-07-12
D: 2018-01-30
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Barkley, Stephen


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Schenectady, NY 12306
Phone: 518-346-8424
Fax: 518-346-2852

Options for Financing Funerals

A funeral is an essential expenditure, and a little planning will eliminate the uncertainty of costs and payment. If you don't plan for funeral expenses, you run the risk of your family having to ask friends and relatives to share an unexpected financial burden, which can put everyone in an embarrassing and uncomfortable position. And if you borrow money, it has to be repaid.

Here are some options for financing funerals. 

Pre-Need Insurance
Preneed plans are designed to cover the expenses associated with your death and funeral. Preneed insurance companies such as Homesteaders Life and Fortis Family offer several payment options to give you flexibility.

Generally, annuities allow for the money you pay to be invested. Interest is earned which will, over time, increase the amount of money available to pay for your funeral.

Life Insurance
A traditional life insurance policy can meet several needs--pay off loans, fund education costs, and provide for living expenses, as well as funeral expenses.

Bank or Funeral Trust
A funeral trust is similar to a savings plan. The earnings on funeral bank trust funds are taxed every year, and paid either by the family or by the trust itself.

Savings Account
Beware with this strategy. A long illness can easily deplete short-term savings, while taxes and early withdrawal penalties can reduce long-term savings.


For more information on funeral pre-planning and pre-funding, contact us.