Pre-Paid Burial Insurance

Planning Options

Pre-paid Burial Insurance

Our Pre-paid Funeral Insurance plans are funded with an industry burial insurance product, which is designed to keep pace with the rising cost of funerals. The pre-arranged funeral plan guarantees that the funeral arrangements planned and paid for today will be available - as specified and with no additional cost for guaranteed goods and services - years later when the need arises.

Protect the ones you love

Often individuals provide for final expenses by use of their savings or relying on friends and relatives for financial assistance. The last thing you want to do is put your family, friends and relatives in an unexpected financial position. (see graph below)

	Pre-Paid Funeral Insurance	Funeral Expense Trust	Savings / Money Market	Certificate of Deposit	Traditional Life Insurance / Annuity
Protects death benefits from federal income taxes	✔	✔	✘	✘	✔
Considered an excluded asset when attempting to qualify for Medicaid/SSI	✔	✔	✘	No, unless the CD is put into a trust for funeral expenses	✘
Protected from Probate, lawsuits, and creditors	✔	✔	✘	✘	Depends on your state.
Offers growth to protect against inflation	✔	✔	✘	✘	✘
Pays funeral costs first with any excess funds going to an assigned beneficiary	✔	✘	✘	✘	✘
Tax penalties Do not apply	✔	✔	✘	✘	Do not apply to life insurance but Do for annuities

Benefits of Pre-Paid Funeral Insurance

Financial ProtectionCovers funeral costs, shielding your family from rising expenses.
Emotional ReliefGives your loved ones peace of mind, knowing your wishes are in place.
Medicaid & SSI EligibilityProperly structured plans may help with Medicaid and SSI qualification.
Tax-Free GrowthDeath benefits typically grow tax-free and are exempt from income tax.
Flexibility & PortabilityYour policy can be transferred to any funeral home of your choice.

four simple steps

How It Works

Follow these steps to make necessary arrangements for your loved one and to start planning a worthy celebration of their life.

Step 1

Choose a Plan

Select a coverage level that fits your needs.

Step 2

Make Pre-Payments

Set up payments over time or pay in full.

Step 3

Funds Are Protected

Insurance secures your funds until they are needed.

Step 4

Your Wishes Are Honored

No additional costs for guaranteed goods and services.

Looking for More Information?

If you have questions or need further information about our Pre-paid Burial Insurance, please fill out the contact form below. Our team is here to assist you with any inquiries or concerns you may have.