If you are arranging a funeral now for someone who has just died, check to see if he or she has a prepaid prearrangement with a funeral home. Look for a prepaid funeral arrangement contract among their important papers, or question the funeral director to see if they have a prepaid funeral agreement with the deceased on file.

If there is no prearrangement, check for life insurance policies, a will, checking account statements and savings account passbooks. Determine if you are able, who will benefit from these funds and if that person intends to pay for the funeral. In the case of life insurance policies, the named beneficiary can assign insurance proceeds to the funeral home. The insurance company then sends any proceeds in excess of the actual cost of the funeral to the beneficiary, following payment of all funeral costs.

Adams Funeral Home accepts the following forms of payment:

• Private pay-cash, check, credit cards

• Bank financing

• We file for Insurance assignments

• Transfers of pre-arrangements from other funeral homes