Many people are discovering that pre-arranging and pre- financing a funeral service can lighten the burden on surviving family members. It also will help to spare your family with unnecessary grief, distress and expense at the time of death. At Gearty-Delmore, we have licensed insurance personnel, who are also licensed funeral directors, to help you plan a service that is in accordance with your wishes.

Funeral Insurance
All funds received by the funeral home are placed in a 100% trusted insurance policy, which is protected until the presentation of a death certificate. All interest accumulates to the account until the time of death to offset any price increases, and would be the recommended method to avoid taxable interest.

It is often necessary to place a person on medical assistance as his or her assets dwindle. When funds are depleting, a spend-down of remaining assets begins in an effort to qualify for financial assistance. An acceptable spend-down is a funeral pre-paid agreement. In this situation certain spending limits are required and a Gearty-Delmore staff person can advise you on the ways to place funds in a pre-paid funeral account and qualify for medical assistance.

A discussion regarding the various details for pre-planning and pre-financing is available by appointment. A phone call to any of the chapels will place a funeral director at one's assistance, or feel free to fill out the pre-planning guide to request a packet of information and prices.