1. Peace of Mind, A Final Gift
Leaving written instructions and setting aside adequate funds irrevocable relieves you of the worry that your spouse or children will be burdened with making difficult decisions. In many ways, it's of love from you to your family.

2. Inflation-Proof Guarantee
Handevidt Funeral Home guarantees in writing that your funeral service and merchandise costs will be fully covered at the time of death. When funds are held in an irrevocable insurance trust, all growth on your funeral plan is tax-free. You will not receive a Federal 1099 form.

3. Dignity and Control
You help ensure that your wishes are carried out with dignity and respect. Before your death you retain the right to change funeral homes or funeral services. These rights pass to your family after death occurs.

4. Free, No-Obligation Consultation
We have qualified Advance planning specialists whose expertise is to guide you through the Advance Planning process. By planning ahead, you have time to make more thoughtful and better decisions.

5. Safety
Once your funds are secured in an irrevocable agreement, no one can make any withdrawals. When your policy is established, the ONLY way that the funds will be released is with a signed copy of the funeral bill and a certified death certificate. Your funds are backed by either the Minnesota Life & Health Guarantee Association or the Federal Government.

6. No Probate or Delay
When you use an irrevocably assigned insurance trust to hold your dollars, the funds are immediately available to pay funeral costs. With your permission, the funds can even be paid directly to the funeral home that provides the funeral goods and services. There is NO probate or delay.

7. Protection from Nursing Home Costs
Unlike other investments (including cash value of traditional life insurance) that you own, the dollars you place into a correctly structured final expense plan will not count as an asset if you enter a nursing home. The full cost of your funeral can be protected using an irrevocable insurance trust.

Because every family's situation is unique, certain restrictions and exemptions may apply. All benefits listed above may not be available in every case.

Planning now, before serious health or other problems arise, gives you the widest range of options. Laws may change at any time so this should not be considered legal or tax advice.