(Effective July 1, 2018)
Smith Funeral & Cremation Care expects payment to be secured, in full, at the time our services are rendered. This may be done by one of, or a combination of the following methods:
-Personal or Bank Certified Check
-All Major Credit Cards
-Verifiable Life Insurance Policy
-Pre-Paid Funeral Plan
-Combination of All Listed Methods
Smith Funeral & Cremation Care does not, and can not provide in-house financing for funeral or cremation services.
No professional services of the funeral home will be performed or scheduled without payment in full being secured in advance.
Contracts for services and merchandise are made between Smith Funeral & Cremation Care and individual purchasers, not estates. If you are planning to use estate funds for the funeral expenses, you must first sign our statement of funeral goods and services and pay the funeral bill. Then, you may file claim with the estate for reimbursement. There are no exceptions to this rule.
Additionally, online donation programs such as GoFundMe, or Fundthefuneral.com are not considered direct payment for our services because the proceeds collected are unassignable to the funeral home. If you are considering using one of these sources, you will still have to sign our statement of goods and services for the selected funeral or cremation items, pay for those items, and then reimburse yourself after the funding campaign ends. Smith Funeral & Cremation Care offers its own online donation program through our website provider, CFS. Fees associated with this program are upto 50% lower than other online services, and those proceeds are directly assignable to Smith Funeral & Cremation Care. Ask your funeral director for more information.
All returned checks are subject to a $25.00 fee.
When using a credit card for payment, only the charges for our services and merchandise items may be charged to your card without a convenience fee. All cash advances must be paid for either by check or cash. Otherwise, if using a credit card to pay fees for cash advance items, with your permission, the suppliers of the cash advance items will be given your credit card information for payment, if they accept credit cards.
To use an insurance policy for full or partial payment on the funeral bill, the beneficiary must provide all pertinent information on that policy to us during the funeral arrangements conference. Once it has been determined that the policy is active, non-contestable, and assignable, the beneficiary is required to sign an assignment form for the amount of the funeral services requested, plus a service fee of 4% of the total funeral amount which covers any and all additional administrative costs, personnel time, etc. involved. If the insurance policy's death benefit does not cover the full amount of the funeral or cremation services requested, the the remaining balance must be paid to Smith Funeral & Cremation Care at the time of the funeral arrangements conference.
It is our desire to make sure that everyone who enters our home is given services that are worthy of your trust in us, and the dignity that you and your loved ones deserve. That being said, please do not be hesitant to discuss with your funeral director if you are working with limited funding. We will still make it our top priority design a tribute that is most fitting to your loved ones, and one that you will be able to afford.
With my / our signature(s), I have received this payment policy and understand all terms outlined within it.