Individuals, As well families have a choice when they pre-plan. Making arrangements at the time of need results in the greatest emotional and financial cost to those left behind. It is not only selfish but imposing to leave behind the guilt of not being sure if the deceased’s wishes were met. I don’t know anyone who looks forward to making final arrangements at the time of need for a loved one. A Fact: Everyone of us will die; regardless which provider gets the business….PLAN AND PAY FOR YOUR OWN!