Because a life deserves to be honored to the very end.

It means deciding and paying for your funeral arrangements while you are alive, calmly and at today's prices. When the time comes, your family does not have to decide or pay for anything all at once.

The viewing, the mass or ceremony, the casket, preparation, transportation, and burial, coordinated by a licensed funeral home. Cemetery property (plot, opening and closing, and marker) is quoted separately and can also be included in the plan.

A traditional burial includes a viewing, a ceremony, and interment, and is usually the most expensive option. Cremation can be with a ceremony (viewing or mass, cremation, and urn) or direct, with no ceremony, which is the most affordable. The ashes can be kept at home, placed in a niche, or taken to your home country. At the consultation we compare both options with prices in writing.

The space (plot, niche, or mausoleum), the opening and closing, and the headstone or plaque. We work with cemeteries in Orange County, including Legacy Memorial's partners. It can be purchased ahead of time and in monthly installments, so your family never has to do it in a hurry.

A tribute that remembers the person as they were: with their music, their food, their photographs, and the words of those who loved them. It can accompany a burial or a cremation, at a funeral home, in church, or outdoors. It is planned in writing, with the same monthly payments.

Yes. Pre-need plans require no credit check and no medical exam. You choose a single payment or monthly installments over 1, 3, 5, or 10 years to fit your budget, and the price of the service is locked from the first payment.

Start with what you want to spare them: rushed decisions and expenses at the worst moment. Choose a quiet moment, say that you have thought about it and want to leave it settled. If you prefer, Norma can meet with the whole family, at home or by video call, and answer everyone's questions.

Yes. Repatriation to Mexico, Colombia, Central America, or South America can be planned and budgeted, including consular paperwork and transport.

It is lifetime protection for when death occurs far from home: more than 75 miles from your residence, anywhere in the world. Sepio Guard coordinates and pays for preparation, documents, and transportation back to your local funeral home, with no deductibles and no age limit. It is purchased with a single payment and can be included in your plan.

In California, an unplanned traditional funeral typically costs between $8,000 and $15,000, and the family has to cover it within days. A pre-need plan locks in today's price and splits it into monthly payments.

Plans can be transferred or adjusted. During the consultation I explain in writing the exact terms of the plan you choose before you sign any document.

Norma is a counselor with Legacy Memorial Insurance Services, based in Norwalk, California. Legacy Memorial represents local funeral homes and has offered pre-need burial, cremation, and repatriation plans for more than 20 years. The plans are underwritten by Great Western Insurance Company, a Wellabe company.

Great Western Insurance Company, a Wellabe company, is the insurer that stands behind your pre-need plan financially. Its policy makes sure the money for your services is there when the time comes — and if you pass away before you have finished paying, the policy covers the remaining balance, subject to its terms, so the funeral is paid and your family does not inherit the debt. It is an established, solid insurer, and that is what makes a pre-need plan safe.

Yes. Beyond funeral pre-need, Norma is a licensed life insurance agent in California and can help you protect your family's income, mortgage, and everyday expenses. Together you review the type of policy that fits — term, whole life, or final expense — and the coverage and premium that fit your budget, in writing and with no obligation. Try the life-insurance option in the estimator to get a sense of how much coverage your family might need.

My California license is #4176634. You can verify it in the California Department of Insurance license search. You can also confirm my affiliation by calling Legacy Memorial at (562) 807-1818.