Dominique Mosbergen
speaker
82 appearances
1 recordings
1 series
first heard Apr 2024
last heard Apr 2024
Dominique Mosbergen’s voice in public audio — every appearance, attributed to the second.
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And
So because of that, there are some risks to consumers.
So for example, if a funeral home closes, if it goes out of business, if the owner dies, or if you as the consumer decide to move out of state and you die in a different state, how easy is it to transfer home?
what you've purchased to a different funeral home somewhere else.
How complicated that is can really vary.
Because of that, consumer advocates really recommend that if you want to earmark funds for your funeral, instead of prepaying, put that money into a payable on death account and that money will be able to go to a beneficiary when you die and that money can be used for your funeral service.
These packages in industry parlance are known as pre-need packages or pre-need sales.
And pre-need is a big part of the funeral business.
A lot of funeral homes' revenue comes from pre-need on average.
And a lot of them push that on customers.
And a tactic that is quite common is because most people don't come into contact with a funeral home until someone dies, the funeral home will make use of that opportunity.
So imagine your mom has just died and you are going to a funeral home.
And at the same time, they will also try to pitch you to buy a pre-need package for yourself.
And they may say, oh, clearly this is a really stressful experience for you right now.
Wouldn't you want to spare your children from this hassle and from this stress?
And then they use that as an opportunity to sell to this person.
And again, this is someone who is grief stricken, who may not be in the best place to be making the best decisions.
When I've spoken to some funeral directors, they've said that
They do know that their customers are vulnerable, and sometimes they take advantage of that.
Of course, not everybody, but that's definitely something that I've heard.
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