Pre-Need Insurance Explained
Pre-need funeral insurance is designed to fund a funeral service agreement between you and the funeral home you choose. Many funeral homes choose to partner with Dakota Capital to protect your funds. When you die and the funeral home has provided the services you chose, your funds are paid directly to them – there’s no need for your family to worry.
Remove the burden of decision-making
Removing the need to make difficult decisions from your loved ones helps build family unity and support during a difficult and sad time.
Have a more meaningful celebration of your life
Making the decisions ahead of time can save money and preserve your memory with the celebration you want.
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Many people don’t realize the final decisions that need to be made until they lose a loved one. You can help make this difficult time easier by spelling out your wishes clearly. Do you want a loved one to face the worry and uncertainty of creating a celebration that represents you? These types of decisions can be emotionally and financially exhausting if they’re not made in advance. Advance funeral pre-arranging allows you to help guide your loved ones when they need it most.
What Does It Mean To Pre-Arrange A Funeral?
Pre-arranging your funeral is an opportunity to ensure that your celebration of life is as YOU want it to be. You choose the:
Where the services will be held, and where your final resting place will be.
This may include caskets, urns, outer burial containers, jewelry, and folders, just to name a few. It’s totally up to you.
You decide what music will be played and whether there is transportation for the pallbearers, along with many other decisions.
Benefits Of Dakota Capital Pre-Need Insurance
The decision to pre-arrange and pre-fund a funeral is one of the most thoughtful gifts you can give – and there are other benefits, too.
You can save money
Grieving family members often make quick and potentially expensive decisions when they don’t know your wishes. They could save money simply because you took a moment to choose the service YOU want.
It removes the decision-making burden
The emotional stress after losing a loved one can lead to unnecessary disputes, and some of the simplest decisions can cause lasting heartache. Removing the decision-making burden from your loved ones helps build family unity and support during a difficult time.
Policies are 100% transferable
Funds set aside in a Dakota Capital pre-need policy can be assigned to the funeral provider of your choice. If your situation changes and you decide to change funeral providers, you are free to do so.
It provides a more meaningful celebration of your life
Your grieving family may have to make financial decisions in a short period of time. When there is no pressure of time or the sorrow of losing a loved one, making the decisions in advance can save money and preserve your memory with the celebration YOU want.
Policy grows with interest
Once the funds have been set aside in a pre-need policy with Dakota Capital, your policy will grow to help offset the rising cost of funerals.
Your funds can become a protected asset (for Medicaid purposes)
When irrevocably assigned to the funeral home of your choice, your funds will be protected if you need to apply for state assistance (subject to state law).
Payment plans available to suit you
We offer payment plans for 3, 5, or 10 years if you need to spread the cost out over time. Our goal is your peace of mind within your budget.
Premiums will never increase
As long as you pay your premiums on time, your policy will not be canceled.
No one is denied a policy due to health reasons
Answers to the health questions only affect the benefit amount within the first 30 months of a multi-premium policy.
You choose how to be remembered
Time is not on the side of a grieving family. Financial decisions are required to be made in a short period of time. When there is no pressure of time or the sorrow of losing a loved one, making the decisions ahead of time can save money and preserve your memory the way you choose.
Spend time with family, not making difficult decisions
The emotional stress after losing a loved one may lead to unnecessary disputes and family disunity. Some of the “simplest decisions” can cause lasting heartache between loved ones.
Your Next Steps
1. Get a quote
If you haven’t done so already, now is a great time to get an idea of how much your coverage will cost (and it’s probably more affordable than you think).
2. Visit with us
Our team at Dakota Capital or a partner funeral home will help you determine the amount of coverage you need. We will assist you in completing the simplified application for your guaranteed acceptance policy.
3. Start your coverage
That’s it! You can now focus on your life’s priorities knowing that you are covered and have a direct line to your team. At Dakota Capital, we are here to help you through the process of getting the coverage you need and your family deserves.
Designed for tomorrow. Available today.
We can help. Find out how.