Why Should I Plan Ahead

We plan for every aspect of life. Having a family, vacations, weddings and retirement are all planned for. We prepare for what might happen such as fires, accidents and illness. But because most of us are uncomfortable thinking about our death, we often avoid making important decisions about our final arrangements.

The loss of a loved one is never easy. It is a time of sadness and confusion when one turns to family, friends and faith for solace and support. It is also a time when personal grief can be unnecessarily deepened by the distress of unanswered questions and the anxiety of making detailed arrangements. At a time when your family most needs to seek each others comfort, they will be seeking answers, sorting papers, calling attorneys and perhaps, worrying about paying for final expenses.

The Heritage Cremation Society offers a simple prepayment plan that includes everything necessary to complete your final arrangements. The plan includes the biographical information required for completing the death certificate, authorization forms and instructions for carrying out your wishes. At the time of your death, the prepared documents authorize us to perform our services as you have instructed. You may change any instructions you wish during your lifetime by just contacting our Administrative Office. Once your prearranged plan is complete, our staff will provide you with a laminated personalized ID card. Your card will include our 24-hour Service Hotline phone number. Our staff is available to help you anytime – all it takes is a phone call and we will be there to serve you when you need us. 

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The Heritage Cremation Society is pleased to offer families the following Personalized Prepayment Plans. In the state of Ohio, we must place the funds you use to prepay for your arrangements with a company approved by the state; therefore, we do not have access to these funds until the time of death. Your funds are protected by an independent company that is bonded, insured and licensed by the state of Ohio to handle your money.


The most popular plans in effect today are those funded through insurance trusts. These plans allow for guaranteed pricing at today’s cost with flexible payment options. Plans start for as little as $15.00 per month and can be paid for as follows:

  • Single Payment Plans
  • Twelve Months Same As Cash
  • Three, Five, Seven and Ten Year Payment Plans

*Multi-year plans will include a premium for the ability to lock in at today’s prices while being able to pay for your arrangements over time.


For those unable to make regular payments, the next best choice are funeral trusts. These plans are designed for those who want to put something aside for their arrangements but they might not be able to make a payment every month or the amount they can afford might vary. These plans offer dollar-for-dollar value. What you pay in accumulates and grows over time for when you need it. You can lock-in and guarantee the price of the plan at any time by paying off the remaining balance at the prevailing price. 


For those who already have an insurance policy and wish to use it to pay for their final arrangements, we offer a variety of options whereby the proceeds of the policy are used to pay for your Heritage Cremation Society plan. This is a very popular choice for those qualifying for Medicaid. Your HCS professional will prepare the necessary Change of Beneficiary and/or Ownership forms and work with your insurance company to make sure everything is handled properly. Your plan can be prepared so that once your arrangements are paid for any remaining proceeds of the policy will be sent to the beneficiary(s) of your choice. 

Ready to get started?

Request a personal appointment with a Heritage Cremation Society pre-planning advisor. Please contact us by clicking on the link below.

Contact Us for an Appointment

Record your personal information to be kept on file at Heritage Cremation Society. For assistance in completing this online planning process, please contact us by calling (800) 864-2295.

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