Pre-need insurance, unlike traditional life insurance policies are used specifically to pay for the costs of funeral needs; burial services; cremation and/or other associated funeral needs. We work directly with a local funeral home to build a plan/policy for a beneficiary’s home-going services based on the funeral homes current pricing guide (policy can often be transferred to another funeral home at time of need; if necessary).

 

Some of the reasons why many families find pre-need planning a benefit are:

• Beneficiary or planner does not have go into a funeral home

• A Pre-need plan takes the burden off other family members at one of their most emotionally vulnerable times. Loved ones don’t have to figure out how to pay for a funeral or must wonder what kind of send-off you want.

• Because the plan/policy is based on current funeral cost; it freezes most funeral expenses no matter how far in the future services are needed.

•  Unlike, traditional life insurance, payments are made for a fixed period of time (normally 3, 5 or 8-yrs); not for the rest of one’s life.

• Also, unlike many life insurance policies, pre-need policies have little or no underwriting. You may qualify for pre-need even if you don’t qualify for life insurance.
  
  Give us a call if you want to learn more about setting up a pre-need plan.