End-of-life planning is among the most personal and emotional tasks an individual may undertake. It often involves decisions that touch on deeply held religious beliefs, cultural traditions, and family values. Yet, despite its importance, it is too often postponed until circumstances force action. At Great Plains Trust Company, we encourage clients to treat this planning with the same care and intentionality as they would their estate plan or retirement strategy. Below, we’ve highlighted three end-of-life considerations to ensure your final wishes are honored and your loved ones are supported in the process.
1. Living Will and Medical Directives
A Living Will is a legal document that allows you to express your preferences about medical care in the event you are unable to communicate them yourself. It addresses scenarios such as whether you wish to be kept alive through artificial means (such as feeding tubes or ventilators), or if you would prefer to allow for a natural passing without extraordinary interventions. It can also outline your wishes regarding organ and tissue donation. Stating your intentions clearly removes uncertainty for family members and health care providers.
One often overlooked issue is who has the legal authority to make final decisions about the disposition of your body after death. This is sometimes called the “right of sepulcher.” In many states, the law defines a priority list of individuals who may make these decisions beginning with a designated attorney-in-fact (someone named in your Durable Power of Attorney), followed by your spouse, children, parents, siblings, and so on. To avoid any ambiguity, it is wise to designate this right explicitly in your estate plan documents.
2. Burial Methods
In recent years, innovation in burial practices has provided individuals with more options to reflect their values. While traditional burial and cremation remain the most common methods, alternatives are gaining interest and legal acceptance. Emerging practices include water cremation- a gentle process that uses water and alkali to accelerate natural decomposition (legal in 27 states); and natural organic reduction AKA human composting- a method that turns remains into nutrient-rich soil (legal in 12 states). While these methods appeal to many who value ecological responsibility, others may choose to remain with traditional practices that align with their religious or familial traditions. The key is to ensure your preferences are documented clearly and shared with your loved ones.
3. Letter of Instruction
A Letter of Instruction (LOI) is not a legally binding document, but it can be one of the most helpful tools for your family. Think of it as a detailed road-map that accompanies your estate plan. Unlike those legal instruments, an LOI does not need to be drafted by an attorney, but it should be signed and dated to ensure clarity. An LOI can include the following:
• Your funeral arrangements- including service type, eulogy speakers, music, and even guidance on writing your obituary.
• A list of your trusted advisors.
• The location of key documents.
• A financial overview: accounts, passwords, debts, and digital assets.
• Instructions for pet care.
• Your final messages to loved ones—a place to express your gratitude, values, or life reflections.
By outlining your wishes now, you can spare your family confusion and conflict during a time of grief. Great Plains Trust Company is here to help you navigate these decisions with sensitivity and clarity. If you have questions about living wills, burial options, or preparing your Letter of Instruction, we invite you to speak with your Wealth Advisor or a Trust Attorney at GPTC. Your peace of mind and your family’s is worth it.
This article is for informational purposes only and does not constitute legal or financial advice. Please consult with your attorney or estate planner to ensure your plans comply with applicable laws and reflect your personal wishes.
