Funeral Prearrangements

What are funeral prearrangements, and why should you make them? Most people ask that question, and the answer is straightforward: prearrangements let you decide in advance exactly how you want to be cared for — and which funeral home will provide that care. You choose burial or cremation, select the services that matter most to you, and the funeral home you've selected guides your family gently through the process from beginning to end.

Prearrangements also remove those decisions your family would otherwise face without you. Every choice, from the funeral home down to the smallest detail of the service, is made in advance, by you, while you have the time and clarity to think it through. That spares your loved ones the pressures that surface in grief — overspending in the moment or disagreements about what you would have wanted.

Planning your own funeral means no one else has to.

The Financial Advantages

If you've ever arranged a funeral for a loved one, you know firsthand funerals are rarely inexpensive. Prearranging gives you real financial advantages:

• Today's pricing, locked in. The contracted rate at signing is all you — or your loved ones — ever pay, no matter how much funeral costs rise before it's needed.
• No age limit, no loopholes. Your arrangements remain valid even if you live past 100. You cannot age out.
• No cancellation. The only one who can cancel your policy is you. Coverage stays in force, and the policy remains yours until your passing.
• Insulated from Medicaid. Your arrangements are protected from Medicaid, assisted living facilities, and attorneys.
• Payment on your terms. Pay in full, or spread it out over time.

Once it's arranged, it's arranged. There is nothing left to sort out later — both for you and them.

Not sure which funeral home yet?

If you haven't settled on a funeral home, or you'd prefer to keep your options open, final expense insurance may be a good alternative. The policies we offer can be directed either to a funeral home for funeral expenses or held as a supplemental benefit for the unexpected costs surrounding your passing.

Read about final expense