Miller
Funeral Home is now the oldest funeral firm to serve the people of
Calhoun
and surrounding Counties under the same local individual
ownership.
Miller offers several conveniences to the families we serve; Miller
Florist,
Dogwood Trail Memorial Gardens, Miller Monument, and Oxford Grave and
Vault
Company.
Why
Pre-Pay?
Pre-paying
ones final expenses is not a new idea; in fact it is on that has been
around
for quite some time. Many people over the years have designated
life
insurance policies, Certificates of Deposit, or savings accounts.
Over
the years pre-paying ones funeral expenses can only be done through the
funeral home of one's choice. There are many reasons or "rumors"
why people choose not to pre-pay their funeral expenses. Many of
these reasons are unfounded and unsupported by virtue of the law.
Pre-paying one's funeral expenses is responsible, wise and noble.
Pre-paying relieves the survivors from having to make difficult and may
times costly decisions at the time of death. Pre-paying also
eliminates
the funeral home from having to discuss and disclose the Federal Law
pertaining
to the purchase of funeral goods and services, which eliminates taking
care of the financial obligations during the arrangement conference.
Pre-need
Staff
Dudley Miller
Licensed
Pre-Arrangement
Funeral
Counselor
|
Sherry
Cosper
Licensed
Pre-Arrangement
Funeral
Counselor
|
Our
staff members are our most valuable resource.
We are committed to their well being and believe that each individual:
-
Is honest
and trustworthy, and deserves to be treated with respect.
-
Understands
the importance of their contribution to achieving the goals of the
family
and is willing to be resourceful in achieving those goals.
-
Is motivated
to achieve his/her potential and is supported to realize that potential.
-
Has a
role in problem solving, coordinating work with others and
participating
in the decision making process.
-
Is committed
to honest, open two-way communication.
-
I responsible
for the result of his/her work.
-
Needs
to be recognized for his/her work.
-
Is committed
to being a member of the group with our goals in mind.
[Top]
Pre-paying
Options
There
are two ways to pre-pay your funeral expenses, Insurance
or
Trust.:
1.Insurance
offers you protection from a pre-mature death. This insurance is
only available through the funeral home and can not be purchased on the
open market. This plan specifically designed by Great Western
Life
Insurance Company allows you to select funeral goods and services and
have
those covered by a tailored insurance policy to meet your individual
needs.
These plans are available in a single, 3,5, or 10-year payment
plans.
These plans have been approved by the Social Security Administration,
as
being exempt, as an accountable resource to the individual if state pay
is required for nursing home care. Insurance funding allows the
purchaser
to track the money placed into the fund and the family will be refunded
any excess interest earned by the insured fund at the death of the
individual.
Great
Western provides an automatic $500.00 away from home death benefit if
death
should occur more that 150 miles from home. An additional $500.00 away
from home benefit is available for a single payment of $10.00. Great
Western
also provides a granchild benefit for a single payment of $10.00. A one
time payment of $2500.00 is available at the death of a named
grandchild
while still a minor.
2.
The Trust Option is available for those who do not want the
insurance
protection. Money collected under the trust plan is deposited
into
the Alabama Trust or Forethought National Trust Bank to be held until
the
death of the purchaser. All income earned from the trust
investment
remains property of the trust.
One
may select funeral goods: such as the Casket and Vault, and funeral
services.
the total of the funeral goods and services selected can be financed
over
a specified period of time. Miller Funeral Home offers affordable
programs for those who pay in a single payment or choose monthly
payments.
Miller
Funeral Home offers a 5% discount for cash payments. Financing is
available on the following terms:
3-year:
25% down, 0% interest
5-year:
15% down, 5% interest
7-year:
10% down, 7% interest
Planning
Guide
This
guide is intended for your personal use. You can print the guide and
complete
it at your convenience. Share your wishes with a family member or
trusted
friend. If you do not want to review the guide with a family member, at
least let someone know where it can be located in the event of your
death.
This guide is available in booklet form by contacting the funeral
home.
Should you need assistance in completing this information please
contact
one of our family service representatives.
Click
here to view and print the Planning Guide
