Utah Insurance License Number: 88816 Pre-Need Sales Agent Number: 325672-5802
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This agency only works with local, privately-owned funeral homes. This means you will be dealing with a trusted member of your community, not some distant corporation only worried about a bottom line.
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Why Planning and Then Paying For A Funeral Is Very Easy
Don't educate yourself in one two hour meeting with a funeral home salesman. Use this page to learn how to do the most important work yourself.
I am very critical of the funeral industry. All my experience over about twenty-five years selling funeral, burial, and cremation plans has taught me that too many funeral homes (or the corporations that own them) are either crooked, only interested in increased profits, or both. I am going to show you on this page how funeral planning can be EASY, as well as economical. Every funeral director or funeral home owner is not necessarily an "expert" you can trust, because in most cases profit for their company comes first--ahead of your true needs. I am an objective expert in almost every aspect of funeral planning who you can trust. And I am going to show you how to outline and understand everything you need to know yourself, which you can learn in a very short period of time. This is information many funeral homes don't want you to have.
Funeral home owners or funeral directors often want funeral planning to appear to be a complicated thing only they can help you understand. The truth is, you can understand everything that is important with this Web page and the entire Web site. You can pick out your casket in an objective manner, without any "sales pitch" touting the benefits of any particular casket--especially an expensive one. FACT: Most people don't want to spend any more than they have to on a casket, because it will only be seen for a few hours before it goes into the ground---never to be seen again.
By clicking the link above, you can draw the line on casket cost and still get exactly the quality you expect. Caskets at most funeral homes are badly over-priced on purpose, because they know they can get away with it. You can make sure they don't get away with it. I can freeze your casket cost at the prices show on the caskets page. Regardless of what the funeral home charges in the future, your funeral plan locks in your investment, with no need to pay more at the time of need. Print out the Funeral Plan Worksheet and record the casket cost you want in Section II.
The next component of your funeral plan that you can control and freeze the cost of is the funeral service package. If you don't purchase a package in advance, at the time of need your funeral costs will be itemized and will certainly cost you more money. Even if they are not itemized and are bundled into a package, there are continual price increases at almost every funeral home. This is what packages cost today at funeral homes in the Salt Lake and Provo areas:
And one important point: If you own plots at a facility that has a funeral home, you are not required to use them for your funeral.
I highly recommend Premier Funeral Services at $1,795.
Record this amount in Section I of Funeral Plan Worksheet
Burial Vault
If you don't have a burial vault, add $895. What is a burial vault and why is it required?
All of the above are items whose costs can be frozen. The costs that cannot usually be frozen are: opening and closing of the grave (cemetery labor), newspaper obituary, sales tax, flowers, death certificates, and sometime printed programs (which families often choose to print themselves). I usually give families the rough estimate of what these things should total: $1,500. This "extra money" can be added to a funeral plan and will grow in cash value along with the guaranteed (frozen) items. As I explain on another Web page, the total if you have only a burial plot and nothing else can be held to around $5,000-$6,000 and no more. At this point, you should know within a couple hundred dollars how much your funeral will cost. Now you can go to my calculator page and figure out how to pay for it.
You may just want to stop here if you understand enough. But if you need more details, continue to read or look at some other pages on this site. I can clarify everything, and show how simple it really is, when you set up an appointment. You only need about $30-50 to start a plan, and you will pay that much per month, not $100-125 like you do with most high-profile funeral homes. Trust me. I've written enough funeral plans for enough companies to assure you that to get the same plan I offer with SCI or Memorial funeral homes, for example, your payment is well over $100. Click here to see an example.
Build A Suitable Plan Around Your Budget and Financial Position
I've said that a single payment investment into the National Guardian Life Funeral Expense Trust is the best plan. But you may just be starting or haven't started at all, and you want a payment plan that will give you a good investment and take care of most or all of your funeral needs. The NGL Funeral Expense Trust is designed to do that and will accomodate most anyone. I set up a variety of arrangements with the FET. Even when you stretch payments out ten years, you still will get from me the best-priced funeral for your money. The maximum "payout" on almost all ten year plans at around $3,000 is only about $4,000. You can't get a funeral plan with costs frozen for $4,000 or less from anyone except from me. Study this table to see how my plans compare:
Here's an example of what I can do. Let's say that you've determined that $5,000 is the amount you want to start with and that amount of money invested will take care of all of your needs. I can determine for you, or you can use my calculator to determine, the monthly (or other) periodic payment in the NGL Funeral Expense Trust. Once you start your plan, you get insurance to cover the balance if you should not live the full term of the plan. For example, you set up a plan that provides an increasing death benefit starting at $5,000 over ten years.
If you should pass away after, say, three years, $5,000 plus accumulated growth, would be paid to a funeral home, regardless of how much you've paid in. The payment is determined by both your age and health status. No one is denied on the basis of health. Bad health only means a one-year waiting period and a slightly higher payment. Go to my CALCULATOR page to review the health questions and experiment with various payment scenarios.
In Summary: Complete a Final Wishes Summary and a Funeral Plan Worksheet
These two forms alone will make your funeral planning much easier. Print them out, study them, and then start filling them out. Also look at the other worksheets on the 
page.
Look at Caskets and Download Picture
You want to make sure you don't over-pay for a casket. With Premier Funeral Services, you can be sure you won't. And most of the other affordable funeral service providers won't over-charge you. I like to use Costco's prices on caskets as a guide to know if what a funeral home offers for a casket selection is priced too high.
Compare to: 
It's all pretty simple. It's a matter of doing homework, rather than saying to yourself, "That's just what caskets cost I guess." Go to my caskets page and see what a good value is. I can freeze all of these costs.
The NGL Funeral Expense Trust offers a discount for making a single payment. This discount is based on your age and health, two factors that determine how long you will live. Generally, the younger you are, the bigger the single payment discount will be. For example, I've written numerous plans funded through National Guardian Life that give you a discount of 12% up to age 55. That's an automatic "return on investment" of 12%. If your plan has a death benefit or "face amount" of, say, $5,000.00, you only have to write a check for $4,400.00 to get a plan worth $5,000.00. And the cash value will also grow thereafter as long as you are alive. The discounts go down as you get older, of course. So buying a funeral plan this way pays better if you buy it when you are relatively younger.
This is the best deal of all-everything considered. The discount is a return of your investment along with the cash value growth-and all of it is tax-free. If you are able to get such a discount and can swing it, consider transferring money from CD's, savings bonds, other insurance with cash value sufficient to pay for it, or with money from other sources or savings.
NGL is No. 45 of all insurers in the U.S. Read Report.
I have set up over 240 plans in the past three years alone that pay for a full traditional service with casket included for around $3,000.00-half of what most funeral homes charge. You use your church, a reception center, a lodge, the graveside, or some other location you arrange. No sacrifices! Just a better plan for your money. And your burial vault, casket and services costs are FROZEN. This applies to other plans that include cremation. All the factors discussed on this page make my funeral plans no-brainers.
All plans are guaranteed portable, including cash value growth as long as you're alive. Even though you may have designed your plan around the prices of one particular funeral home, the funds can be used at another that charges similarly or less so you get the same result if your plans change. In any case, your money is never stuck with a funeral home where you have to pay a penalty for withdrawing that money. You don't have to worry about getting any money back from a funeral home, because your money is safely deposited with a large insurance company. And no current or past health condition can disqualify you from the insurance plan.
If you need more than just funeral money:
Let me show you in detail in your home how to outline your final wishes and preferences in the best way possible. Let me show you the best plan for your money.
I don't need your Social Security number. There is a major funeral funding company based in the Salt Lake area that owns many mortuaries and cemeteries that insists on getting your Social Security number when you set up a plan with them. Don't fall for this. That number is only needed for a death certificate, not for a funeral or burial plan. National Guardian Life does NOT require your Social Security number. Turn down any plan that does.
Get professional, personalized service at the right price, on the best terms.
UtahsFuneralPlanningSite.com serves the funeral and funeral planning market in the Salt Lake City, Utah area. Our goal is to help you plan a funeral in as much detail as possible well in advance. This website provides the tools you need to pay for funerals the right way, so affordable funerals don’t end up being a sacrifice but instead a more comfortable reality. We offer or point you to Utah's best funeral prices and lowest cost for funeral plans, which can include caskets and burial vaults, and final expense whole life insurance, especially for seniors with bad health and with low incomes. You will be able to not only outline your final wishes with accuracy, but you will know exactly how to calculate and control the cost of a funeral (church, mortuary chapel, or graveside), the cost of a burial, and, if applicable, cremation options. You will not become the victim of funeral rip-offs, over-priced caskets, or plans that don’t suit your family’s true needs and budget. There will be no confusion in your family at the time of need concerning arrangements. Once you have done things correctly, they will know where the line has been drawn on spending for your final expenses, and no mistakes will be made.
