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How to Write a Eulogy

Tue, 10 May 2022 18:10:44 GMT

Writing a Eulogy

1. Decide How Long The Eulogy Should Be

The first thing you should decide is how long to make the eulogy. A eulogy can be anywhere from 3 to 10 minutes long, depending on how much you want to say about the deceased. Less than 3 minutes is not usually long enough to say everything you will want to see. But, the closer you get to 10 minutes, the more bored and fidgety your audience will get. Remember that you are not the star of the funeral. There are other processes to get through, such as viewing the deceased for the last time and a graveside service. Funeral services are usually conducted according to a tight schedule, and the last thing you want to do is throw it off with an overlong eulogy.

2. Create An Outline

After you determine how much time you have for your eulogy, you can create an outline. An outline will help you get down on paper what you want to say and in what order you want to say it. It will also give you a roadmap during your speech in case you lose track of where you’re at. For example, in the first part of the eulogy, you may want to talk about how you first met the deceased. Label this part with the heading, “How We Met.” In the second part, you could talk about their greatest accomplishments and label that section accordingly. And so on.

3. Fill In The Details

Now that you have your outline, you can begin filling in the details. Under “How We Met,” for example, you should describe in your own words your memory of meeting the deceased. You should do the same for each section of your eulogy. You may have to go through several drafts before it reads the way you want it to. That’s perfectly fine. Drafts and rewriting are normal and necessary parts of the writing process.

4. Close By Saying How You Will Honor Their Memory

The most challenging part of constructing a eulogy is finding an appropriate way to end it. One meaningful way you can close your speech is by saying how you will honor the memory of the deceased. For example, you may want to make a donation to their favorite charity, or tell their story to the next generation, or carry on their values. Whatever you decide, this portion of the eulogy will show your audience how special the person was and how big of an impact they had on your life.

5. Rehearse And Time The Eulogy

Your final step to writing a eulogy is to rehearse and time it. This way, you know before the funeral if you need to make any changes, such as making a different word choice here and there or cutting words to make the eulogy less long winded.

Conclusion

No one wants to be put in the position of having to write a eulogy. But when death inevitably knocks on the door of a family member, a friend, or a member of your community, following our 5 steps for how to write a eulogy will smooth the process and help you remember the deceased with bittersweet joy. Our directors at Stark Funeral Professionals in Michigan are also available to help. If you need extra tips or advice for writing and speaking your eulogy, contact us here .

Writing a eulogy is one of the hardest things to do as a human being, especially if you were close to the person who died.

Not only is it hard to talk about the deceased when the pain of their loss is so fresh, but many of us don’t know how to write a eulogy. We don’t know how to write a speech, much less create one to memorialize a fallen friend or family member.

In reality, writing a eulogy doesn’t need to be a bad experience, as long as we adopt the attitude that we’re celebrating the deceased’s life, rather than mourning their passing.

To make writing a eulogy even easier, you can also follow these 5 steps.

How to Heal Yourself Following a Loss

Sun, 10 Apr 2022 18:10:42 GMT

Healing after a loss

The Grieving Process

There is no right or wrong way to grieve, it's personal to everyone, and no two journeys are the same. Although there is no timetable or set way that grieving shows itself, there are a few things you can do to make the process easier.

Be Kind With Yourself

Being kind with yourself during this process is key; you must give yourself grace to not be ok. Some days and moments will be easier, while others can feel completely overwhelming. Remember, grief can feel like a roller coaster at times, and it's ok for you to take as long as you need to process it.

Let Yourself Feel

We tend to shut down when faced with intense negative emotions, but this can prolong the grieving process. Let yourself really feel all your emotions, good, bad, or indifferent. Opening yourself up will allow you to fully process and move forward.

Talk To Others

Opening up to others is very therapeutic and can help you navigate confusing and intense emotions. It may feel easier to isolate yourself, but doing so will only make you feel worse in the long run. You don't have to constantly tell your feelings to everyone you see, but having a trusted confidant that you can be completely open and vulnerable with is priceless.

Lean On A Support System

This point goes along with the previous one, as having a strong support system is key. It may be family or friends but having those you can rely on that are there for you no matter what makes the grieving process more manageable. For those in the funeral planning stage, having a funeral home with understanding and caring staff can bring positivity into such a painful experience.

Stark Funeral Professionals has proudly served Ypsilanti and the surrounding communities for over 120 years, providing caring and sympathetic resources when you need them most. We offer a full range of services, including:

Visitation
Graveside Services
Funeral Processions
Gatherings
Cremations
Monuments
Veteran Services
Planning Ahead
Flowers

At Stark Funeral Professionals, we offer a variety of facilities, including handicap elevator access, ample parking, chapels, and a private merchandise room so you can choose your products with the privacy you deserve. We are dedicated to helping families cope with loss and plan a service that honors their life and legacy, so contact Stark Funeral Professionals today.

When you lose a loved one, it can feel like your world turns upside down. Whether it was a sudden and unexpected loss or anticipated, your heart breaks, and you may feel as though a part of you died with them. If you find yourself in this place, let me first start by saying, "I'm so sorry," but I know there is nothing anyone can do or say to make the pain go away. That will take time, and it involves a grieving process you must traverse, but I promise you will emerge on the other side with the healing you need to continue on. If you're just beginning your grief journey, this article will give you some tools to help you find healing after your loss.

How can I Personalize a Funeral Service? [10 Custom Ideas]

Thu, 10 Mar 2022 18:10:41 GMT

10 ideas to personalize a funeral service

What is a Traditional Funeral Service?

A traditional funeral service is multiple stage event that will typically include:

Wake or Visitation - Held the day before, or the day of, a visitation is a time where mourners can come to say their final goodbyes and to show support to the family. The body of the deceased is usually held in a casket, which can be open or closed according to the preference of the family ( www.consumer.ftc.gov ).

Ceremony - This is the main part of the service. During this time loved ones may choose to share something about the deceased which could be a speech, a poem, a song etc. Many ceremonies follow religious traditions and at this time prayers are said and often a speech will be given by a religious representative, such as a priest ( www.funeralocity.com ).

Committal - This is when the remains of the deceased are laid to rest at the gravesite. It could include a funeral procession as the body is transported from the ceremony site to the gravesite. A smaller group attends this part of the ceremony and is often only family members ( www.joincake.com ).

Reception - Attendees are invited to meet up somewhere for refreshments and conversation. The home of the family or a reception room at the funeral home are common places for a reception to be held.

Why Would You Modernize a Funeral Service?

More and more we are moving away from the one size fits all way of doing things and headed more towards customization. Funerals are no exception. If every person is unique then so too should be the celebration of their life. A ceremony full of meaning can be the beginning of the healing process for attendees.

Personalizing a funeral service can not only honor our loved one as an individual in the best way, but can also reduce the overall cost. Traditional funeral services are expensive and can total in the thousands. By choosing to customize the service, we can leave out the services and steps that we don’t really need.

Increasing concerns about environmental impact is another thing that has folks looking outside of traditional services for more options. In green burials the body remains un-embalmed and is buried in a decomposable container or wrapped in a simple shroud and placed in the earth. These, along with water cremations, which are thought to cause less pollution than fire cremations, are on the rise in popularity ( www.aarp.org ).

How to Personalize a Funeral Service (10 Custom Ideas)

There are countless ways to personalize a funeral service and we are only limited by our imaginations. By thinking about our loved one’s passions, joys, values, and accomplishments in life, we will be able to identify elements that will make the service special. Here are some ways to we can add in those personal touches:

Decorations - Use things that they liked such as, their favorite color, theme, collectibles, personal items and more. If our loved one was in the running for biggest Star Wars fan, a Star Wars themed funeral might be an epic way to help celebrate their life. Christmas decorations might be great for someone whose favorite time of year was the holidays. Creative flower arrangements and a tasteful display of key personal belongings are great ways to incorporate these special touches. Wearing colors different than black may also be a great way to celebrate the life of your loved one.
Photos and Videos - Having photos displayed of our loved one throughout their life is a key element. Making collages, slideshows, and framed displays are great ways to show the photos. Some people have had the idea of making prints of their favorite photos for the guests to choose from and take home.
Music - We connect to music very emotionally. Including our loved one’s favorite songs and artists is a way to bring a strong sense of them to the service. A favorite playlist or even a live performing musician will add a special touch.
A Creative Memorial Service - Some creative ideas for a memorial service include, having the service on a boat or near water if our loved one enjoyed fishing or boating, having their ashes turned into a beautiful fireworks display, planning a run for someone who loved running, create a community garden bed for a garden lover, send their ashes to space, or host karaoke for a karaoke lover.
Sharing Memories - Having a table set up with a way for people to write down and share their memories is a great idea. It is comforting for those sharing and can bring comfort throughout the years to the family when they are read again. There are lots of ways to be creative with this. Some people use memory jars, memory trees, or a memory book.
Food - Including our loved ones favorite food at the reception is another way to include a special touch. A dessert bar for sweet lovers would be appropriate, an ice cream truck for an ice cream lover is a great idea, or a pizza buffet for a pizza lover.
Location - Traditional funerals are usually held at the funeral home or in a church and there is nothing wrong with that. More and more people are choosing to have home funerals or memorials in locations of places the deceased loved such as a favorite spot in nature or a favorite restaurant.
Activities - Provide an interactive way for guests to participate in something such as a canvas everyone can paint on, a frame around our loved ones photo everyone can sign, river stones people can write messages to the family on etc.
Memorial Tokens - A memorial token can be something small but meaningful that can bring comfort after the service is over. Some ideas include rocks, engraved tokens, seed packets, seedling, ornaments, candles, etc.
Poems, Quotes, and Readings - These are usually key elements in a ceremony. Reading a favorite passage or poem of our loved one can be a wonderful way to share the way they thought, their values, and the things they found meaning and joy in.

A Funeral Director Can Help

Don't get overwhelmed and lost in all of the details. Talk to a funeral director for support to create a personalized funeral service. He or she will be able to move step by step through the planning process making sure none of the important details are missed, helping us figure out where we will need help, and what we will be able to do ourselves. Stark Funeral Professionals, located in Southern Michigan, are ready to lend an experienced and compassionate hand.

We are all unique and one of a kind. Our loved ones are no exception and when we find ourselves in the position of planning a funeral for ourselves or those we care about, it is a time we want to highlight, remember, and share the things that make each individual special. It can seem like an overwhelming challenge to personalize a funeral service and distill the entire life and being of a person into a ceremony, but like everything, if we take it one step at a time, we will get there.

Embalming - What is it & is it Required?

Thu, 10 Feb 2022 18:10:40 GMT

What is embalming?

What is Embalming - The Process Explained

Embalming is a practice that preserves the body temporarily from decaying, and can be traced back in areas all over the world, though it is typically associated with ancient Egypt (www.verywellhealth.com ). Early people used substances such as salt, honey, spices, wax and others to help preserve their dead. Embalming became modernized through the use of chemicals and technique and became widely accepted in the United States during the Civil War era as a way to get soldiers’ bodies back home to their families( www.britannica.com) .

Here is a walk through of what today's modern embalming process ( funerals.org ) (https://funeralcourse.com) :

The body is washed and disinfected.
Limbs and muscles are massaged to relieve rigor mortis.
Cream is rubbed into the face and hands to keep the skin soft.
Facial hair is shaved.
Cotton may be placed in the nose and throat to absorb liquids and help set features.
The lower jaw and mouth are wired into shape. A mouth shaper is used to position the mouth. The lips may be sewn or glued shut.
Eye caps are placed under the eyelids to keep their shape and they are glued shut.
All of the blood is drained from the veins and embalming fluid is injected into the arteries.
A small incision is made in the lower abdomen to insert a surgical tool that punctures the organs and abdomen to remove the gas and fluids. After being injected with embalming fluid the cavity is sewn shut.
The body is dressed.
Hair is styled.
Makeup, and sometimes wax, is applied.
The body is positioned in the casket. The hands may be glued together to keep them in place.

Embalming can only slow down and delay the breaking down of body tissue. After this process is completed, the body will stay preserved for about a week before decomposition recommences ( beyondthedash.com ).

What Exactly is Embalming Fluid?

Embalming fluid is a mixture of chemicals used to slow down the decomposition of cells in the body ( www.thefreedictionary.com ). While there is a wide variety of formulas offered on the market, the most common mixtures include formaldehyde, methanol, isopropanol, and germicides . Other chemicals and mixtures continue to be developed but have yet to match the effectiveness of formaldehyde, which is why it remains one of the most popular ingredients for embalming fluids ( www.sciencedirect.com ).

Blood is what gives skin its color. Since it is drained out in the embalming process, it is necessary to add dyes to the embalming fluid in order to give the skin a natural appearance. Depending on the formula used for the embalming fluid, these dyes can be pink, brown, red, or orange. It all depends on the chemical properties of the formula used (https://funeralcourse.com) .

Formaldehyde is a very strong smelling chemical and often masking agents will be included in the embalming mixture in an attempt to cover the strong chemical smell. Some common ingredients used as masking agents are spices, fruits, oils, and mints (https://funeralcourse.com) .

Why is Embalming Required?

In Michigan, it is required by state law for a body to be embalmed if the body will not reach its final resting place in 48 hours or if the cause of death was “diphtheria, meningococcal infections, plague, poliomyelitis, scarlet fever, or smallpox”( www.michigan.gov) . Because of the enormity of the task of gathering people for a funeral it is hard to arrange a funeral within 48 hours.

Here are few reasons to embalm besides state regulation (www.verywellhealth.com ):

To give the deceased a more natural look for an open casket funeral.
To give relatives and loved ones time to travel for the service.
When the body must be transported over long distances.
To preserve the body for medical study and anatomical research.

Who to Talk to About the Embalming Process

A funeral director at your local funeral home is the best person to speak to about the embalming process. In Ypsilanti, Michigan, Stark Funeral Professionals are ready to guide you through the process of planning a funeral and will use their experience and knowledge to make sure you understand each step and address any questions or concerns you may have

One of the decisions that will come up in the funeral planning process is whether or not to have the deceased embalmed. There are many factors that could influence that decision including the wishes of the deceased, how long it will take for loved ones to travel for the ceremony, and if the body must be transported over long distances ( www.verywellhealth.com ).

Paying Pastor for Funeral (Proper Gifts, Rate & Etiquette)

Sat, 01 Jan 2022 18:10:39 GMT

Thanking a Pastor for a funeral

What is a Pastor’s Role at a Funeral?

A pastor has a comprehensive and in-depth role not only at a funeral but beforehand, too. A pastor is there to support the family, providing them with comfort and assistance at the most challenging time of their life.

Their role is incredibly varied, depending on the deceased and the family, which can make it hard to know the right etiquette for paying a pastor for a funeral.

Pastor vs. Priest. Vs. Minister

One of the most common mistakes families make is believing that a pastor, priest, and minister are the same role. However, this is not true, and each of them has a very distinct role.

The definition for a priest is the person who conducts the rituals between God and man, mediating their word. The term is primarily used in the catholic and orthodox religions. A Pastor is the term given to one of the five-fold ministers listed in Ephesians and means the shepherd of the congregation. Conducting a similar role to a priest, a pastor is most commonly used in the protestant religion.

A minister can be used across multiple religions and refers to someone who ministers or serves others within the church.

What is the Etiquette for Paying a Pastor for a Funeral?

So what is the Etiquette for paying a pastor for funeral services? In order to understand this, it is important to understand exactly how they will be helping you during this difficult period.

Contacting a Pastor

The first thing that you need to think about is finding the right pastor to undertake the service. For many families, this will come down to the religious affiliation that they or the deceased already had. However, if the deceased was not a regular church attendee, then you may want to discuss your needs with several local pastors to understand their congregation and church.

Discussing Rate or Gifts

Money can often be a difficult topic to bring up, but it is an important aspect to remember when it comes to the etiquette of paying a pastor for a funeral. While life insurance may help pay funeral fees , the pastor’s donation will likely come out of pocket. Some pastors will state outright the fee for them to conduct the funeral service, while others will ask for a donation to the church.

When it comes to donations, this can either be a monetary donation, with $150-$200 often being the most common, or a gift. Gifts can come in a wide range of methods, and your pastor might tell you what the church needs most, ensuring you can provide their congregation with exactly what they need. This could be new bibles, clothing for those in need, food if they run a food bank or a donation to a charity they support.

Proper Etiquette Before/During/After the Service

A funeral is an incredibly difficult and emotional time, so it is important you know how to act before the day itself. It is often best to donate before the funeral, as the day itself can be very busy for the pastor and yourself.

You can either hand it to them directly or ask a friend or the funeral director to deliver it to them. However you do it, make sure that it is always handed directly to them and not left with the receptionist or on their desk. The money should also be placed in a sealed envelope with the pastor’s name on it.

After the funeral or wake , it is also a good idea to send a note of thanks to the Pastor, signing it from yourself and the whole family.

Need help planning a funeral?

Planning a funeral for your loved one can be an incredibly difficult time. That is why here at Stark Funeral Professionals, Inc., our experienced team is here to help you. We have been working with families for over a century, supporting them every step of the way to make the process as smooth as possible.

Want to find out more? Get in touch with our team today.

Are you wondering what the etiquette for paying a pastor for a funeral is? This is one of the most common questions that families ask, and it can be tough to know how you should act and pay for their services.

We know how tough it can be when it comes to understanding the etiquette for paying a pastor for funeral services, which is why we thought we would take a closer look at what you should do.

What is a Wake for a Funeral? [What Happens, How to Plan for it]

Mon, 01 Nov 2021 18:10:37 GMT

A wake for a funeral

What is a Wake?

A wake is traditionally a watch or vigil by the body of a dead person before burial ( dictionary.com ). Although customs have developed in many cultures worldwide around the wake, countries with Celtic traditions, such as Ireland, are most well known for their wake customs.

Today, the term ‘wake’ has become used more interchangeably with visitation and viewing. It can be used to describe a gathering of family and friends, usually before the funeral and sometimes after, where guests can come together to offer support to the family of the deceased and share their grief (thefuneralsource.org ).

Here’s What Typically Happens at a Wake

The wake usually takes place in the funeral home or at the home of the deceased. In the US the wake usually happens within the few days leading up to the funeral and sometimes on the day of, while in other countries the wake sometimes takes place after the funeral ( wikipedia.org ).

Attendees can include:

Family
Friends
Acquaintances
Colleagues
Neighbors
Anyone wishing to pay respect to the deceased and their family.

In some cases the body will be present in a casket that is either open or closed. If the body is present, the family is likely to be seated nearby, where they can be greeted and consoled by attendees. Those who choose to view the body usually stand or kneel in silence for a few moments (thelightbeyond.com).

Some attendees choose to leave after signing the guest book, offering condolences to the family, and paying a moment of respect to the departed, while others choose to stay and mingle with other guests.

A wake can be a more structured event with scripture readings and prayers, such as a traditional Catholic wake referred to as a ‘Rosary’( burialplanning.com) .

It can also be a more informal social gathering where guests mingle and share stories over refreshments. In any case, the idea is to come together in celebration and mourning of the loved one lost ( thelightbeyond.com ).

Why Do We Have Wakes?

The history of the wake goes far back worldwide, with many cultures developing their own distinct rituals and traditions (wikipedia.org). Some of the speculated reasons to keep watch over a body historically have been:

To verify the deceased was actually dead before the use of modern technology (nmfh.org).
To guard the body from evil spirits ( legacy.com) .
To guard the body from animals, and other pests ( deathreference.com) .
To guard against body snatchers for medical reasons (deathreference.com).

Many of these reasons were practical reasons the wake would happen before the funeral. Advancements in technologies and procedures now offer us more flexibility in how we choose to mourn our loved ones' passing. While these reasons may have become obsolete today, there are a couple that remain with us through our traditions, and that is to celebrate the life of the deceased and share condolences with those experiencing loss.

How to Plan for a Wake

There are many variations on how one might decide to go about planning a wake but here are some basics details that can apply to most any ( econdolence.com):

Inform friends and family of the passing.
Create a guest-list.
Choose a time and date.
Inform guests of time and date.
Choose a location.
Choose the refreshments.
Gather pictures of the deceased to be displayed.
Organize some of the pictures into a multimedia display, such as a slideshow.
Display a guest book for people to sign and have someone nearby to greet guests.

There are other things that might be considered, such as adding music and other elements that may have been important to the deceased, as well as any requests the deceased might have left themselves. Reach out to friends and family to help pull these details and elements together . Speaking to a funeral director can also be a huge help as some of these tasks may be already covered by the services offered by the funeral home .

Planning a Wake in Ypsilanti, MI

The task of planning a wake can seem overwhelming in the face of loss and grief. Don’t do it alone. An experienced funeral director can help guide you through the experience, making sure you don't miss any important details. Reach out to Stark Funeral Home for help planning wakes in Ypsilanti and southeast Michigan.

Understanding what a wake is and what some of the traditions and expectations are can help make it easier to decide how to plan one. Let's break it down and go over some key points.

What Questions Will a Funeral Director Ask While Planning a Funeral?

Fri, 01 Oct 2021 18:10:36 GMT

Questions from the Funeral Director

What does a Funeral Director do?

Before looking at what questions will a funeral director ask, it is first important to understand exactly what it is they do. A funeral director is able to help grieving families with every aspect of planning a funeral, including assisting with the coffin, ceremony, and legal documentation.

Typically working at a funeral home or a crematorium, a funeral director will take the body into their care into the funeral. They will be responsible for organizing your chosen venue, engaging with various suppliers, preparing the body, supplying coffin bearers where required, and anything else that may be needed.

A funeral director will also be on hand to provide you with the support through this challenging time and answer any questions you might have.

What Questions will a Funeral Director ask?

Organizing a funeral can be a daunting task, and visiting a funeral director can be a difficult time. Any professional funeral director will show compassion and patience during this difficult time; however, being prepared for the questions they will ask and thinking about them in advance will help ensure you give your loved one the perfect farewell.

There are many things that a funeral director will need to know, but some of the most common questions include:

What type of service would you like?

When it comes to answering what questions will a funeral director ask, the first thing that they will ask you is what type of service you would like. This will be a choice between a burial, either in a churchyard or on private land, or a cremation. Learn more about the difference between these services here.

Would you like the deceased dressed in their own clothes?

Another very common question that a funeral director will ask is whether you would like the deceased dressed in their own clothes or in funeral home robes. This will often depend on the type of service that you are looking for and is a very personal choice.

Your funeral director may also ask whether you want the deceased to be wearing any jewelry and whether you want it to remain with them or have it passed down to another family member after the service.

Would you like to visit them?

Another very common question is whether there is a particular minister you would like to officiate. Some people will have their preferred option to conduct the ceremony, while others are happy to go with whoever the funeral director recommends.

Is there a particular minister you would like?

Music is a big part of any service, and your funeral director will often ask if there are any preferred songs or hymns that you would like to be played. The right music can help to add that personal touch to any ceremony and ensure your loved one enjoys the very best send-off possible.

Are there any particular songs you would like played?

This plan is similar to burial insurance, in that it is usually for an amount large enough to cover funeral expenses. What is different is the fact that these policies are bought through a funeral home usually. This means the insurance will only cover services provided at that one funeral home, meaning any other services may not be covered. The details on this type of policy can vary by location ( https://www.lhlic.com) .

When to Start Planning for a Funeral

Planning a funeral can be a very emotionally straining time for loved ones. That is why many seniors and terminally ill individuals are preferring to start pre-planning their own funeral. Beginning the process while they are still alive ensures they can remove the burden from their family while ensuring they get the service that they want.

Here at Stark Funeral Professionals, Inc., we know how deeply personal arranging a funeral can be. That is why our highly experienced and compassionate team is on hand to help you finalize your plan and ensure that everything is in place for your passing.

Want to find out more? Get in touch with our team today to discover how we can help you.

Arranging a funeral can be a difficult time. Not only are there many things to consider, but it is also a time of grieving and sadness. Working with a funeral director will not only help you to organize everything that you need, but they can also support you as you maneuver through this difficult time. However, what questions will a funeral director ask?

To help you prepare for your meeting with your chosen funeral director, we have taken a closer look at what to expect.

How to Pay for a Funeral with Life Insurance (Complete Guide)

Wed, 01 Sep 2021 12:13:42 GMT

Paying with life insurance

Can Life Insurance Pay for a Funeral?

Yes. Depending on the terms of the policy and how it is set up, most life insurance policies can cover the cost of a funeral. For the funds to be available when your loved ones will need them, it is important to plan things out and have them set up in advance. It will also help to have a clear understanding of how your policy works, so you can communicate with your loved ones about what they can expect.

Why Use Life Insurance to Pay?

Funerals are expensive and can cost up to $10,000 or more ( https://www.policygenius.com ). Having a plan set up in place ahead of time with your life insurance company can save your loved ones from having to stress out about how they are going to pay while in the midst of grief and loss.

Different Types of Life Insurance That Cover Funerals

Whole Life Insurance

This type of policy is a permanent life insurance policy. That means it covers you for your whole life and pays out to your beneficiaries regardless of when you die. The premiums are more expensive, but are guaranteed to stay the same throughout the policy. Often a portion of the premium you pay will be set aside to be invested into a cash account to grow in value ( https://www.nerdwallet.com ). In a whole life policy your cash value grows at a set rate making this type of policy a very safe and steady choice.

According to https://www.fbfs.com , there are many factors that go into deciding how much your premium will be:

Age
Gender
Health
Family History
Smoker vs Nonsmoker
Occupation
Lifestyle
Benefits offered by policy

The average cost of a yearly premium for a healthy 30 year old can start around $3800 and range upwards. Here are some factors that would make a whole life insurance policy a good choice for you:

You can afford the higher premiums
You want to leave money to your heirs
You have a lifelong dependent such as a child with a disability
You want a policy that guarantees cash value

Term Life Insurance

This policy will cover you for a chosen period of time, 20 or 30 years for example. This policy does not build any cash value and so the premiums tend to be cheaper. Depending on the above mentioned factors, as well as the length and payout of the policy, the average yearly cost can range from $132 - $1632. This policy is a good choice for you if you:

Only need short term coverage (For example until your kid becomes an adult)
Are on a tight budget
Don’t want to use life insurance as an investment tool

The drawback on this policy is that if you outlive the policy there will be no payout to help with funeral expenses.

Universal Life Insurance

This is another type of permanent life insurance. A universal plan offers more flexibility than whole life insurance. The death benefit and premium can be adjusted at any time according to changes in your life. A portion of your premium goes into a cash account to be grown at market rate. This can be borrowed against and at certain points withdrawn from without decreasing the death benefit.

Earnings from your cash account can also be used to pay the premium. The downsides to this type plan is that it does take a little more attention to monitor since the growth of your cash is tied to the current interest rate, and the fees can add up and drain your account ( https://www.retireguide.com ). Here are three common types of Universal Life Policies :

Indexed Universal - Your cash value growth is tied to the stock market index. Fees add up for this plan and there is a cap to how much you can earn.
Variable Universal - Your cash value can be invested in sub accounts such as stocks, bonds and mutual funds. There are 2 death benefit payout options. A level death benefit pays a set amount with the remainder going back to the insurance company. A variable death benefit pays the face amount and the cash value, but at the cost of a higher premium. This policy has the highest fees.
Guaranteed Universal - This plan offers a fixed death benefit and fixed premiums. The premiums are generally lower since these plans have little to no cash value.

Burial Insurance/Final Expense Insurance

This plan is purchased through an insurance company. This is a small policy specifically designed for funeral expenses, usually in amounts from $5000 to $25,000. The application process is easy and in some cases non existent. Unfortunately, because of that, these plans usually only pay out a prorated amount to beneficiaries based on how much you have paid in already.

This policy is a good choice for you if you cannot qualify for a whole or term policy. It is expensive, but in some cases, it is better than nothing. * You can learn more about Burial Insurance with our in depth article .

Pre-need Insurance

Insurances That Don’t Cover Funerals

It's worth it to look into the above mentioned types of life insurance policies. Insurances that we normally carry, like our health insurance and homeowners insurance do not cover the cost of funeral expenses.

Signing up for a Life Insurance Policy

There are many ways to go about finding a life insurance policy. Some employers will offer an option for their employees, or you can purchase a policy as an individual. The first thing you have to do is decide what kind of policy you want, term, whole, universal, etc. The next thing is to decide how long you need coverage and how much coverage you need. Once you have found a plan that suits your need, you will, in most cases, need to fill out an application, take a medical exam, and wait to see if you are approved ( https://www.policygenius.com )

Working With Your Insurance Company to Receive Benefits

To receive payout from a life insurance policy, the beneficiary must send a claim to the insurance company that carries the policy. They will need to submit an official death certificate as well as provide basic information about the deceased and cause of death. Most companies will have a claim form available to fill out.

After the company receives the claim, it usually can take anywhere from a few days to a few weeks to process. Once it is processed, the death benefit can be paid out in two ways: Lump sum or multiple payments. Often, there will be an option to put the amount in an interest accruing account as well ( https://www.experian.com )

Of course you would rather not spend time thinking about the end of your life, especially while you're still living it. Still, we all know that it is responsible, and easier for our families, if we can decide what we want for our funeral or end of life celebration; including how to pay for it. Even if you are leaving behind an inheritance, that money will not be immediately available to your relatives and most funeral homes require payment up front for any funeral services including burial and cremation ( https://www.lhlic.com ). This is why insurance is a sensible option.

What to Wear to a Funeral (Not Black) - Ideas for Men & Women

Sun, 01 Aug 2021 18:10:34 GMT

What to wear to a funeral

1. Why do people wear black to funerals?

Nowadays, in much of the western world, wearing black to a funeral is the most common color and is considered a sign of respect. However, the tradition actually dates back to the ancient Romans, when mourners would adopt a darker colored Toga to show they were in mourning.

As the Roman Empire spread out across Europe, they took this tradition with them, and other cultures began adopting the wearing of black clothing at funerals. During the middle ages, black mourning clothing had become a symbol of the wealthy, and this tradition spread across the Atlantic with the early American settlers.

Perhaps the most famous of all black clothing, though, was British Queen Victoria. After the death of her husband Prince Albert in 1861, she only wore black clothing for the rest of her life. This devotion to mourning her husband was seen as a symbol across the globe and became a tradition for all funeral attendees in the western world.

2. Do you have to wear black to a funeral?

In short, no. When it comes to knowing what to wear to a funeral that’s not black, there are an array of alternatives that men and women can wear. Although black is the most traditional of colors, smart and dark clothing is also acceptable.

Wearing dark grey or deep blue is just as appropriate as black, while brown and lighter greys are suitable for the vast majority of funeral services. However, unless specifically requested by the deceased or their family, you should avoid any bright colors such as yellows, oranges, pinks, and reds.

In terms of accessories, a white shirt is the most common item of clothing to wear under a suit, while jewelry should be kept to a minimum and not too flashy.

3. What to wear to a funeral that isn’t black

When it comes to knowing what to wear to a funeral that’s not black, it can be tough. We have taken a look at the various clothing and accessories that you can choose.

For women

For women, darker suits are always a simple and appropriate choice. You should also ensure that you keep your shoulders covered and that any skirts or dresses reach the knees. While dark colors should be followed, having tasteful accents of colors is often acceptable.
If suits are not quite your thing, then a smart dress is also perfectly acceptable. Wearing a skirt and blouse or skirt and sweater are also a common choice of clothing for women looking to know what to wear to a funeral that’s not black.
As traditions continue to adapt to modern times, less strictly formal attire is becoming more acceptable; however, you should ensure that your clothing is still respectful and is not attention-grabbing.

For men

For men wondering what to wear to a funeral that’s not black, then any dark-colored suit is perfectly acceptable. In hot conditions, then dark trousers and a long-sleeved shirt with a collar and tie are also a suitable option.
Again, as the formal traditions begin to become more relaxed, then smart casual clothing is more acceptable. However, you should avoid wearing light jeans or shorts. It is always best to keep the colors more subdued. In terms of shoes, you should avoid sneakers or athletic shoes and opt for more formal options.
If you are still unsure about what to wear to a funeral that’s not black, then it is always best to opt for the more conservative option. For both men and women, it is always best to remain cautious as it is always more acceptable to be overdressed at a funeral rather than underdressed.

If you are unsure, our team is always happy to help with any questions that you might have, so feel free to get in touch .

A funeral is a somber occasion, and you will want to ensure that your attire is reflecting the situation. While black is a traditional color to wear, it is not always necessary, and it is important that our clothing reflects the respect that the occasion deserves.

However, when it comes to answering the question, what to wear to a funeral that’s not black, it can be tough to know where to start. To help you find the perfect attire, we have taken a closer look at what you can wear at a funeral.

Pros & Cons of Cremation vs Burial, Cost, Service & More Info

Thu, 01 Jul 2021 18:10:32 GMT

What to wear to a funeral

What Exactly Is Cremation?

Cremation is the process of reducing the remains of a human body to ashes ( cremationassociation.org ). The Western world is thought to have had its first encounter with cremation from the Greeks in 1000 BCE . Warriors who were slain on the battlefield would be burned on a pyre and their ashes taken home (britannica.com ).

Flame based cremation is the most common type of cremation available today. The remains are placed into a casket of choice, provided that it is combustible. The casket is placed into a cremation chamber where flames and heat are used to reduce the remains to ashes and fragments. This process can take anywhere from 30 minutes to two hours. After cooling, the remains are carefully moved to a processing machine that ensures all fragments are broken down. They are then placed in an urn and returned to the family ( cremationassociation.org ).

What Exactly is a Burial?

A burial is the act or ceremony of burying the remains of a human body in the ground. The history of burials can be traced back to 5000 BC and possibly earlier, with much evidence of ritual . Many early cultures believed that the souls of the dead went to the underworld, and burying them in the ground was a way to help them get started on the journey (worldhistory.com) .

Today, in order to prepare a body for burial, it is cleansed, disinfected, and the limbs are massaged to ease stiffness (www.joincake.com) . In the U.S. embalming is often the next step, though it is not required (funeralwise.com) . The use of chemicals to preserve the body makes it easier to:

Transport over long distances.
Hold open casket viewings.
Gives the loved ones more time to make arrangements.

If there is to be an open casket viewing, restructuring, makeup application, hair styling, and dressing will be completed. The body is then placed in a casket. After services, the casket will be placed into a grave that has had a liner or vault installed. The grave is then filled with dirt and a headstone or marker placed on top.

Pros & Cons - Which is Right for You & Your Loved Ones

There are some common factors that are often considered in this decision. These include cost, religious beliefs, and the wishes of the deceased.

The National Funeral Directors Association reported the median cost of a viewing and funeral to be $9,135 (nfda.org) . Typical costs included in this figure:

Transportation of remains
Embalming services
Use of facilities for service
Basic memorial printed package
Funeral Home Fees
A casket
A vault

Funerals do not include cost for items such as:

Gravesite
Headstone
Flowers
Obituary

According to nfda.org, the median cost of a viewing and cremation is $5150. This price figure commonly includes:

Transportation of remains
Embalming services
Use of facilities for service
Funeral Home Fees
Basic memorial printed package
Cremation fee

Cremation costs do not typically include:

The casket
Urn
Cemetery costs should the family choose to rest the remains there.

Religious beliefs are another consideration that could be a deciding factor. Many Christian denominations that have historically rejected the practice of cremation out of fear that it could hinder the resurrection, have long since embraced the belief that nothing could stop the power of God and moved towards accepting this practice (cremation.com) .

Death is not an easy subject. There is so much to process that making arrangements can quickly become overwhelming. How to lay the remains of our loved ones, or ourselves, to rest is one of the decisions we must make. This usually comes down to a choice between the two most popular methods in the U.S . Let’s go over the difference between the two, as well as the pros and cons.

What are Burial Urns for Cremation? [Where to Buy, How to Choose & More]

Tue, 01 Jun 2021 18:10:31 GMT

Burial urns for cremation

Cremations, classic burials, and burial urns

In recent years, the number of people opting for a cremation has risen significantly, with estimates suggesting that by 2030, cremation will make up nearly 73% of all burials . Deciding between a classical burial and a cremation can be a challenging time, and both options are a deeply personal decision for the deceased.

While some people will wish to be buried in a cemetery or a special location, the flexibility and personalization that comes from a cremation is seeing many families opt for this solution following the departure of a loved one.

The ashes can then be stored in a beautiful urn, which can be kept close by or placed in a special location.

Burial urns for cremation: Where to place them

When people think of a cremation, they most likely assume the ashes will be scattered in a place that meant a lot to the person. However, burial urns for cremation are becoming increasingly popular as families look to keep their loved one close by. Some of the most popular places to keep or bury an urn include:

Garden burial

While burying a body in your garden requires a number of permits and permission, this is not usually the same with a burial urn. Ashes are not considered under the same federal laws as a body, but you should still check with the state or city you live in to be 100% certain.

Burial in a special place

Burial urns for cremation are also a popular choice as it lets families place their loved ones in a special place. This could be out in nature, at a location that meant a lot to them, or a Natural Park. Whichever option it might be, it is crucial that you seek the permission of the landowner and any relevant authorities.

Burial in a cemetery

Certain cemeteries will allow families to bury their loved one’s urn within the cemetery. This is particularly common as space underground becomes a premium. Most urns will be placed inside a special vault to prevent the ground from becoming uneven or caving in as the urn breaks down. Keeping them in an urn vault will also help to prevent them from decaying.

On the mantle

Of course, not everyone wants to bury the urn. Many people like to keep it displayed prominently on a mantelpiece to ensure their loved one is always close by.

Types of burial urns for cremation

There are many different types of burial urns for cremation available, with each option designed for a specific kind of burial. That is why it is important you understand where you will be placing the urn before purchasing one.

Typically, urns will come in either a permanent form or a biodegradable solution. Permanent urns are designed to maintain their structure and are usually made from marble, granite, bronze, aluminum, or stainless steel. These solutions are can be placed in urn vaults, interred, or put on display at home. These urns will usually feature unique designs that will reflect religious symbols or even the personality and interests of their loved ones.

Biodegradable solutions are designed to slowly break down over time. This makes them perfect for use in burials or for those families who will be scattering the ashes of their loved ones. These urns are often made from natural materials such as paper from mulberry bark, corn starch, or bamboo.

Need support with organizing a funeral?

Organizing a funeral can be a very tough and emotional time. Here at Stark Funeral Professionals, our highly experienced team is here to help you. We have been helping grieving families for over 120 years, providing expert advice and support as needed, so if you want to find out how we can help you, get in touch today .

Losing a loved one is a very difficult time, and it is only natural that we want to give them the very best farewell possible. Nowadays, cremations are one of the most common forms of burial, but one area that many people do not consider is the burial urn for cremation that they will use.

Choosing the right burial urns for cremation can be challenging, and there are many different styles and materials available, each one depending on how you plan to store the ashes following the cremation.

Searching through all of the burial urns for cremation that are available can be a time-consuming task. That is why to help you, we have taken a closer look at the various factors you need to consider.

Funeral Expense Insurance - What Is It and How Do You Use it Properly?

Sat, 08 May 2021 12:10:56 GMT

Funeral expense insurance

What is funeral expense insurance?

Funeral expense insurance is effectively a form of permanent life insurance, with a minor death benefit that those left behind can use for any purpose they see fit. This type of insurance is typically marketed towards seniors and is incredibly easy to purchase as, unlike other forms of life insurance, it rarely requires a medical examination. However, those policies which offer greater death benefits might ask policyholders to undertake a short medical questionnaire.

Funeral expense insurance is also a far more inexpensive option compared to other forms of life insurance. Typically, these insurance policies can be purchased for small amounts, such as $5,000 or $10,000. Upon the death of the policyholder, the insurance company will pay out that amount to allow those left behind to cover the cost of the funeral and other expenses such as medical or legal costs.

Funeral expense insurance vs. burial insurance

One of the most common questions policyholders ask is the difference between funeral and burial insurance. These two policies are incredibly similar and effectively offer the same service of paying out a lump sum upon the death of the named holder.

Burial insurance will pay out a set sum, typically up to $25,000, with policyholders paying a set premium over a pre-determined timeframe. Funeral expense insurance, on the other hand, will usually break the payout down into pre-determined expenses, such as funeral home costs, burial costs, and other expenses. It can be paid in one lump sum or through set installments.

How to find funeral expense insurance

When it comes to finding funeral expense insurance, with so many options and insurers offering coverage, it can be tough to know where to start. There are typically three key factors to consider:

Shop around

The first thing that you should do is to shop around. There are many different insurance agencies offering varying levels of coverage, so searching around to see what is available will ensure you get the best policy possible. When shopping around, make sure that you consider key factors such as the rates and payments, as well as the premiums you will receive and any requirements you might need to complete before being accepted.

When should you consider funeral expense insurance?

Another very important consideration when it comes to finding the best funeral expense insurance for your needs is the age at which you take the policy out. Like with all life insurance, the earlier that you undertake the policy, the lower your premiums will be.

Not only that but the older the policyholder is, the more likely they will be required to undergo a stringent medical examination.

When the time comes, how do you use your insurance plan?

The final consideration will be how your loved ones will be able to collect and pay for the funeral expenses. Every insurer will have a detailed process on how and when they will pay out, so it is important to read through the policy documents to understand when this will be.

It can sometimes take several weeks for payments to come through, particularly if there are questions or complications with the policy. Speaking with your provider and the funeral home will be able to help you with any questions you might have and ensure that you are able to cover all of the required costs.

Consider funeral expense insurance today

Are you looking for funeral expense insurance? The earlier that you secure your policy, the less stress and worry that your loved ones will face upon your death. Here at Stark Funeral Professionals , we know how challenging it can be, which is why our dedicated team is here to help you with any questions you might have about your funeral. Want to find out more? Get in touch with our team today.

Losing a loved one is an incredibly emotional and distressing time. Whether it is an elderly parent, a spouse, or a close sibling, we all want to give them the very best final send-off. However, funerals can be an incredibly costly process, which can result in adding additional stress and worry to those left behind.

Funeral Expense Insurance can help to ease this stress by ensuring that loved ones are able to pay for the funeral or memorial service. This type of insurance can also help with other costs, such as purchasing a headstone or urn or any other final expenses that might occur.

5 Questions to Ask Family Before a Funeral Service

Thu, 15 Apr 2021 18:08:49 GMT

Questions to ask a family

1. What Were the Wishes of the Deceased?

The first question to ask your family before a funeral service is what the wishes of the
deceased might have been. You want to ensure that when planning a funeral that you are satisfying their wishes and requests, giving them the final send-off that they wanted.

For example, our loved one might have died wanting to be cremated, but other family
members might not be aware of this or not want to go through with this option. This kind of oversight can not only be very upsetting, but it can also lead to irreparable damage to relationships between surviving family members.

2. Should I do a Burial or Cremation?

This is one of the biggest questions to your family before a funeral service . If the deceased did not leave any specific instructions, then this is a major consideration to make. Cremation can go against certain religious beliefs, so it is important to keep this in mind when deciding between a burial and a cremation.

Before choosing either option, you should make sure that you understand exactly what each option entails and how this impacts the ceremony you have.

3. Where Will the Remains be Located?

Once you have decided between a burial or cremation, the next questions to ask your family is where the remains will be located. If you have opted for a burial, then the most common location for this would be the local churchyard. However, in recent years some people are now opting to be buried in natural woodlands or private land. If you are opting for this, then you need to ensure that you are getting the agreement of the landowner and all relevant parties.

If you are opting for a cremation, then you will need to decide whether the remains will be kept in an urn at a family member’s home or whether they will be spread at a certain location. Many people opt to scatter their loved one’s ashes in a place that meant a lot to them, but again make sure you are getting the permission of the landowners before doing this.

4. Will There be a Viewing?

When it comes to questions to ask family members before a funeral service, the choice of whether there will be a viewing or not is an important one. This is a very personal decision, and some attendees, particularly those with small children, might be uncomfortable with having the body on view. In some cases, you might want to do an open casket viewing initially for those who want one before having a closed casket funeral for the rest of the attendees.

Whichever option you choose, ensuring it is being held in a respectable place will ensure
that every guest will be able to say goodbye in a way that they are most comfortable with.

5. Which Funeral Director will you Choose?

The final question to ask your family before a funeral service is which funeral director or funeral home you are going to choose. This is another very important consideration to make, as they will be responsible for helping you to make big decisions and guiding you through the complex and difficult process.

Here at Stark Funeral Professionals, Inc. , we have been a resource for grieving families for over 100 years. We know how challenging planning a funeral can be, which is why our compassionate and knowledgeable team is here to help you. We are able to help plan a wide choice of funeral services, ensuring your loved one gets the service that they deserve. So if you are looking for a funeral home that can help you make the best decision for the deceased and your family, get in touch with us today.

The death of a loved one is an incredibly difficult and emotional time. Alongside the grief of losing someone close to you, having to organize a funeral is very stressful. The process of arranging a
funeral can be a very confusing and challenging time, particularly when you are in a heightened emotional state.

You naturally want to give your loved one a fitting farewell, ensuring they have a respectful ceremony that they would want. However, unless they left a clear set of instructions, it can be difficult to know where to start. To help you, we have taken a closer look at five questions to ask your family before a funeral service.

10959-stark-funeral-professionals

How to Write a Eulogy

Writing a Eulogy ﻿

1. Decide How Long The Eulogy Should Be

2. Create An Outline

3. Fill In The Details

4. Close By Saying How You Will Honor Their Memory

5. Rehearse And Time The Eulogy

Conclusion

How to Heal Yourself Following a Loss

Healing after a loss

The Grieving Process

Be Kind With Yourself

Let Yourself Feel

Talk To Others

Lean On A Support System

How can I Personalize a Funeral Service? [10 Custom Ideas]

10 ideas to personalize a funeral service

What is a Traditional Funeral Service?

Why Would You Modernize a Funeral Service?

How to Personalize a Funeral Service (10 Custom Ideas)

A Funeral Director Can Help

Embalming - What is it & is it Required?

What is embalming?

What is Embalming - The Process Explained

What Exactly is Embalming Fluid?

Why is Embalming Required?

Who to Talk to About the Embalming Process

Paying Pastor for Funeral (Proper Gifts, Rate & Etiquette)

Thanking a Pastor for a funeral

What is a Pastor’s Role at a Funeral?

Pastor vs. Priest. Vs. Minister

What is the Etiquette for Paying a Pastor for a Funeral?

Contacting a Pastor

Discussing Rate or Gifts

Proper Etiquette Before/During/After the Service

Need help planning a funeral?

What is a Wake for a Funeral? [What Happens, How to Plan for it]

A wake for a funeral

What is a Wake?

Here’s What Typically Happens at a Wake

Why Do We Have Wakes?

How to Plan for a Wake

Planning a Wake in Ypsilanti, MI

What Questions Will a Funeral Director Ask While Planning a Funeral?

Questions from the Funeral Director

What does a Funeral Director do?

What Questions will a Funeral Director ask?

What type of service would you like?

Would you like the deceased dressed in their own clothes?

Would you like to visit them?

Is there a particular minister you would like?

Are there any particular songs you would like played?

When to Start Planning for a Funeral

How to Pay for a Funeral with Life Insurance (Complete Guide)

Paying with life insurance

Can Life Insurance Pay for a Funeral?

Why Use Life Insurance to Pay?

Different Types of Life Insurance That Cover Funerals

Whole Life Insurance

Term Life Insurance

Universal Life Insurance

Burial Insurance/Final Expense Insurance

Pre-need Insurance

Insurances That Don’t Cover Funerals

Signing up for a Life Insurance Policy

Working With Your Insurance Company to Receive Benefits

What to Wear to a Funeral (Not Black) - Ideas for Men & Women

What to wear to a funeral

1. Why do people wear black to funerals?

2. Do you have to wear black to a funeral?

3. What to wear to a funeral that isn’t black

For women

For men

Pros & Cons of Cremation vs Burial, Cost, Service & More Info

What to wear to a funeral

What Exactly Is Cremation?

What Exactly is a Burial?

Pros & Cons - Which is Right for You & Your Loved Ones

What are Burial Urns for Cremation? [Where to Buy, How to Choose & More]

Writing a Eulogy