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Frequently Asked Questions
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Where does the money go that I prepay into the plan?
By Missouri law, Baue Funeral Homes will deposit 80% of the money received toward a Baue Funeral Plan into a Trust, where it cannot be released to us until after the funeral you have chosen has been provided for you. 100% of the money you have pre-paid will be used for your funeral.
How can I be sure the funeral home won't charge my loved ones more at the time of my funeral?
Baue Funeral Homes is contractually obligated to provide all of the service and merchandise included in your Baue Advance Funeral Plan. The only change would be if the survivors would wish to purchase any merchandise or service in addition to the prearranged plan.
What if the cost of the funeral service I prepay is greatly increased in actual cost at the time of my death?
By contract, Baue Funeral Homes can never charge more for any of the services and merchandise that you have chosen to be included in your Baue Advance Funeral Plan, no matter how many years prior to use your plan was established.
What if your funeral home is no longer in business at the time of my death?
Because your money is held in a certified Trust governed by Missouri law, it will always be there for your funeral, even if Baue Funeral Homes were to be purchased or go out of business.
What if my family moves out of the area before I die? Do we lose the money paid to Baue?
Should you move outside of our service area, your Baue Advance Funeral Plan provides for your funeral at the funeral home of your choice.
Won't my life insurance benefits cover all my funeral expenses?
It may, but aren't your life insurance benefits intended for your spouse's security or your child's education? Also, the cost of a funeral continues to rise, while your life insurance benefits don't increase over time.
Doesn't Social Security provide a death benefit?
Social Security provides a lump-sum payment of only $255, and only of you qualify! Well below the cost of any funeral.
Can Baue ever cancel my Advance Funeral Plan?
Absolutely not. The Baue Advance Funeral Plan is a permanent lifetime protection. So as long as payments are paid on time, your agreement can't be cancelled because of your age, health, or any other reason.
Shouldn't I wait until I'm older to deal with this?
No. The younger you are, the more you have to gain. Prices will continue to rise until you freeze your costs by your purchase.
How do I know you will really put my money in a Trust?
Each Baue Advance Funeral Trust is registered with the State of Missouri and all Trust Fund records are periodically audited to assure the deposit of funds. | |
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