How do you Pre-pay for a Funeral?

State regulatory agencies have requirements for pre-financing a funeral. When a funeral home receives money for a pre-financed funeral, they have two options:

  1. place the funds in a Certifcate of Deposit or trust account at a bank.
  2. for those who qualify, purchase an insurance policy or annuity. No matter which option you use for prepayment, you can be sure that your money is protected.


Planning in advance of need provides peace of mind. The death of a loved one is a time of great loss and advance planning can reduce stress for your family with the knowledge that your preplan has been completed. This allows your loved ones to devote more time to coping and understanding the loss and less time concerned with funeral arrangements and financial details.


Your Funeral Director understands that your personal choices are of the utmost importance. Your Funeral Director will meet with you to show you quality merchandise, assist with the selection and help you make the proper arrangements. Through pre-planning the cost of a funeral will be controlled. Merchandise selection during your pre-planning helps insure that you do not exceed what you want to pay. Pre-payment also offsets the risk of rising funeral costs in the future due to inflation.