Hi, Debshines: I am so sorry to read of your Dad's demise and the events following it. I offer my sincere condolences to you and your family. I fully agree with you. My husband and I have bought plans a few years ago (following his angina attack) which a colleague thinks is a morbid way to plan for one's life. She is of the opinion that it falls on her children to make the arrangements for her, and her husband, when the time comes. IMO, planning helps greatly in a situation where the loss would simply be too great to bear in the first place. Hope your experience help others look into planning future arrangements of this sort.