Obituaries

Charlie Hebert
B: 1955-09-17
D: 2019-02-20
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Hebert, Charlie
Diane Hovey
D: 2019-02-16
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Hovey, Diane
Rita Hesler
B: 1925-08-13
D: 2019-02-10
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Hesler, Rita
Douglas Ross
B: 1939-12-09
D: 2019-02-09
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Ross, Douglas
Ralph Calkins Jr.
B: 1975-08-23
D: 2019-02-08
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Calkins Jr., Ralph
Carol Dutcher
B: 1946-08-29
D: 2019-02-07
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Dutcher, Carol
Sookja Steiger
B: 1953-11-05
D: 2019-02-06
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Steiger, Sookja
Earl Molloy
B: 1933-03-22
D: 2019-02-04
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Molloy, Earl
Linsley Brundege
B: 1945-09-12
D: 2019-02-01
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Brundege, Linsley
Frederick Hennig
B: 1933-07-08
D: 2019-02-01
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Hennig, Frederick
Corrine Wander
B: 1932-09-06
D: 2019-01-29
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Wander, Corrine
Sylvia James
B: 1946-01-27
D: 2019-01-27
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James, Sylvia
Roscoe Foster
B: 1980-02-29
D: 2019-01-25
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Foster, Roscoe
David Heron
B: 1942-06-21
D: 2019-01-24
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Heron , David
Patricia Gentile
B: 1938-08-21
D: 2019-01-21
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Gentile, Patricia
Alfio Toffolo
B: 1938-02-02
D: 2019-01-20
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Toffolo, Alfio
Clara Cromer
B: 1922-10-11
D: 2019-01-19
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Cromer, Clara
Helen Lazzari
B: 1925-04-15
D: 2019-01-18
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Lazzari, Helen
Leona Thorndike
B: 1920-09-20
D: 2019-01-12
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Thorndike, Leona
Sarah Cullen
B: 1932-04-24
D: 2019-01-12
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Cullen, Sarah
Clayton Ferry
B: 1957-01-15
D: 2019-01-08
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Ferry, Clayton

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Schenectady, NY 12306
Phone: 518-346-8424
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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.

Annuities
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.