Funeral Prearrangements
Lock in today's pricing, choose your funeral home and services, and take every decision off your family.
Read the pageComparing Funeral Prearrangements, Final Expense, and Life Insurance
What each one covers — and what it means for your family.
| Feature / Function | Prearrangements | Final Expense | Life Insurance | What it means for your family |
|---|---|---|---|---|
| Secures a specific funeral home and service selections | ✓ | ✗ | ✗ | Your wishes are carried out as intended so your family isn't left planning everything at the worst possible time. |
| Locks funeral pricing at today's rate | ✓ | ✗ | ✗ | Protects against rising funeral costs and inflation. |
| Pays a death benefit directly to your beneficiary | ✗ | ✓ | ✓ | Your family has the funds in hand to use wherever the need is greatest. |
| Can be used for funeral expenses at any provider in America | ✗ | ✓ | ✓ | Gives your family the flexibility to choose any funeral home when the time comes without committing to one today. |
| Some policies can be financed and paid off in a few years | ✓ | ✓ | ✓ | Once it's paid off it's done. No further payments are required. |
| Can help cover the unexpected costs of ER care, ambulance services, hospitalization, hospice, and any other medical needs, care, or treatments* | ✗ | ✓ | ✓ | Prevents your loved ones from having to fund unexpected medical expenses surrounding your passing. |
| Covers mortgage, credit cards, utilities, and other financial obligations | ✗ | ✗ | ✓ | Helps your family deal with the obligations that remain. |
| Death benefit can grow over time | ✗ | Some | ✓ | The death benefit can provide a greater benefit for your loved ones than the amount purchased. |
| Replaces your income after your passing | ✗ | ✗ | ✓ | Helps your family maintain their lives and provides for them in your absence. |
| Protects your family's legacy | ✓ | ✓ | ✓ | Ensures everything you've worked for and built stays with the ones you built it for. |
Read the Detail
Want the full picture on one of them?
Final Expense
A death benefit paid directly to your beneficiary, designed to help fund funeral, medical, and other final expenses so they don't have to.
Read the pageLife Insurance
The plan for everything else: income stability, mortgage, debt, other financial obligations, and provisions for your loved ones.
Read the pageNot sure which one is best for you?
It's completely normal to feel a little overwhelmed when it comes to these topics. It's also easiest to figure everything out with a simple phone call or email.