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Pros and Cons of Prepaid Funeral Plans

One advantage to this approach is that it allows you to lock in prices. It can also help you pay down your assets to shield them from Medicaid.

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In addition to your life insurance policy, you can purchase pre-need insurance also know as final expense or burial insurance. The trust may be set up as irrevocable meaning you no longer own it and cannot cash it out or revocable meaning you can cash it out at any time.


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As each funeral home can offer a different package, you need to find out exactly what services are included. There are a number of advantages to going through a funeral home trust route for planning and pre-paying.


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An insurance plan may cover all or some of your funeral expenses, but it depends on the situation. This is a kind of whole-life insurance also known as burial insurance which covers end-of-life medical bills in addition to funeral costs. In some cases, you can even take out a cash loan against the policy if needed.

Compare our plans against other providers

If you need to pay down assets to qualify for Medicaid, prepaying your burial costs may be one way to do that. The following assets are exempt although this can vary from state to state :. Whatever route you decide on, here are a few tips to guide you as you embark on funeral planning.

With this advice in mind, you can arrange memorial services that are comforting and meaningful without causing undue cost to your loved ones. Thanks for pointing out that if you already know which funeral home you want to work with, you can opt to make arrangements ahead of time with the director. For more information about third party fees please Click Here.

Funeral Plans

It is a voluntary code and therefore not all funeral plans providers are registered. There are 15 providers of funeral plans that are an administered by an FPA registered provider, 14 of these are included in the comparison tables, these are:. Perfect Choice Ecclesiastical Planning Services funeral plans are also FPA registered however as they do not provide publication of their funeral plan prices online their plans are not included in the comparison tables.

All of the top 10 most expensive funeral plans include the provision of 1 or 2 limousines. There are 4 providers of guaranteed funeral plans, based on total price here are the top 10 in order of cheapest first:.

Funeral Plans - Which?

There are 9 providers of direct cremation funeral plans that are an administered by an FPA registered provider. Direction Cremations are an increasingly popular type of funeral and do not include a service at the crematorium and instead family and friends can choose how they wish to celebrate the life of the deceased. Call Free.


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