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The average funeral costs between $8,000 and $10,000, making it essential to consider final expense planning. Utilizing a funeral trust can help secure these costs, offering peace of mind solutions for families. Additionally, pre-planning funerals can alleviate financial stress during a difficult time.

Planning Gives You Peace of Mind

Planning Gives You Peace of MindPlanning Gives You Peace of MindPlanning Gives You Peace of Mind

You don't have to go to a funeral home to plan for this! By exploring final expense options, you can find peace of mind solutions that suit your needs. Consider setting up a funeral trust or engaging in pre-planning funerals to ensure everything is taken care of in advance.

The average funeral costs between $8,000 and $10,000, making it essential to consider final expense planning. Utilizing a funeral trust can help secure these costs, offering peace of mind solutions for families. Additionally, pre-planning funerals can alleviate financial stress during a difficult time.

Planning Gives You Peace of Mind

Planning Gives You Peace of MindPlanning Gives You Peace of MindPlanning Gives You Peace of Mind

You don't have to go to a funeral home to plan for this! By exploring final expense options, you can find peace of mind solutions that suit your needs. Consider setting up a funeral trust or engaging in pre-planning funerals to ensure everything is taken care of in advance.

What do you want when the time comes?

People releasing purple balloons in a garden gathering.

Celebration of Life

Traditional Funeral and Calling Hours

Traditional Funeral and Calling Hours

Becoming very popular, a Celebration of Life can be held wherever you like. This type of gathering offers a more casual and upbeat atmosphere, encouraging social interactions between family and friends. It can serve as a wonderful alternative to traditional services or complement them. Many people choose to integrate final expense plannin

Becoming very popular, a Celebration of Life can be held wherever you like. This type of gathering offers a more casual and upbeat atmosphere, encouraging social interactions between family and friends. It can serve as a wonderful alternative to traditional services or complement them. Many people choose to integrate final expense planning into their Celebration of Life, utilizing funeral trusts as part of their peace of mind solutions. This approach can also be beneficial during the process of pre-planning funerals.

Mourners gathered around a casket in a funeral home.

Traditional Funeral and Calling Hours

Traditional Funeral and Calling Hours

Traditional Funeral and Calling Hours

Many families choose a traditional funeral with calling hours because it provides time for friends and loved ones to gather, share condolences, and honor the life of the deceased. By considering final expense planning, families can ease the financial burden associated with these gatherings. Calling hours not only offer support and closure

Many families choose a traditional funeral with calling hours because it provides time for friends and loved ones to gather, share condolences, and honor the life of the deceased. By considering final expense planning, families can ease the financial burden associated with these gatherings. Calling hours not only offer support and closure but also allow for meaningful rituals or religious customs, which can be part of pre-planning funerals. Additionally, establishing a funeral trust ensures that these essential traditions are preserved, bringing peace of mind solutions to families during a difficult time.

Black urn and red rose on wooden table against brick wall.

Simple Cremation

Traditional Funeral and Calling Hours

Simple Cremation

A simple cremation with no funeral services is often chosen for its affordability, ease, and simplicity, making it a practical choice for managing final expenses. Families may prefer to avoid the expense and formality of a traditional service, instead opting for a more personal way to honor their loved one. This choice can also align with

A simple cremation with no funeral services is often chosen for its affordability, ease, and simplicity, making it a practical choice for managing final expenses. Families may prefer to avoid the expense and formality of a traditional service, instead opting for a more personal way to honor their loved one. This choice can also align with the benefits of a funeral trust, providing peace of mind solutions while allowing for pre-planning funerals that fit their unique needs.

Will the Money be there when it is needed?

A sad piggy bank with band-aids on its side.

I Have Life Insurance

Life insurance is for the living. While life insurance provides funds to beneficiaries, it doesn’t pay the funeral home directly. This can create challenges, particularly since funeral costs are usually due immediately. To alleviate this burden, final expense insurance and funeral trusts can offer peace of mind solutions by ensuring that pre-planning funerals are financially covered, even as insurance claims take weeks to process.

I Have an Annuity With a Death Benefit

An annuity death benefit typically isn’t the best choice for covering final expenses, such as funeral costs. Similar to life insurance, the funds are paid to the beneficiary rather than directly to the funeral home, and this process can often take time. For those seeking peace of mind solutions, considering a funeral trust or pre-planning funerals may be more effective.

I have a CD at the bank

A bank CD isn’t very useful for covering final expenses like funeral costs because the money is typically locked until maturity. Accessing it early may lead to delays, penalties, and taxes. Even if the funds are available, they often don't transfer quickly enough to meet immediate funeral expenses, and probate could create additional delays. Instead, considering a funeral trust or other peace of mind solutions through pre-planning funerals can help ensure that funds are readily available when needed.

My Children Will Pay For It!

Your children are not saving for or planning to pay for your funeral! Don't add additional stress at what will be a difficult and emotional time. By considering final expense solutions like a funeral trust, you can ensure your family doesn't have to put $8-10K on their credit card. Pre-planning funerals can provide peace of mind solutions for both you and your loved ones.

A Funeral Trust is the best option!

Puzzle pieces labeled with financial terms, highlighting a green 'Funeral Trust' piece fitting into the missing spot.

What is a Funeral Trust?

Simply, a Guarantee Issue, Whole Life Policy assigned to an existing trust offers peace of mind solutions for final expense planning. The Funeral Trust is a guaranteed issue product available for individuals up to the age of 99. This straightforward, one-page application requires no underwriting, providing a hassle-free experience for pre-planning funerals. Premium amounts range from $1,000 to $17,500, with flexible payment options available for single, 1 year, 3 year, or 5 year plans.

What does it do for me?

You can enjoy the peace of mind solutions knowing that your final expense needs are taken care of! By setting a budget and making your wishes known through pre-planning funerals, you can avoid the need to visit a funeral home. This proactive approach helps spare your loved ones some of the financial and emotional burdens that often arise during such a difficult time. The benefits from your funeral trust are paid directly to the funeral home or cemetery, typically within 48 hours. Plus, the policy is portable to any funeral home across all 50 states, and there are no attorney fees since the funeral trust is already established. It's a guaranteed issue for your peace of mind.

I might have to qualify for Medicaid

If you prepay your final expenses in accordance with Medicaid rules, it is a lawful way to reduce your assets, which is essential for becoming eligible for Medicaid assistance. One effective way to create an exempt asset is to purchase a life insurance policy specifically for your final expenses and then irrevocably assign it to a funeral trust. This strategy not only helps in asset reduction but also provides peace of mind solutions for pre-planning funerals.

What other options are there?

Estate Trust

The Estate Trust could be the right product for you if you are certain you will not be applying for Medicaid in the next five years. This trust allows you to set aside up to $100,000 when combined with a Funeral Trust, providing essential peace of mind solutions for your loved ones. Will you have other significant financial obligations when you pass? Mortgage, rent, and car payments, along with real estate taxes, HOA fees, utility bills, and other expenses, won't stop coming due. The Estate Trust is payable to your designated beneficiary, who can then use these funds to cover final expenses without having to deplete their savings or incur additional debt, making pre-planning funerals a more manageable process.

Traditional Final Expense Insurance

We offer traditional final expense insurance coverage from top rated carriers as well. We will gladly explore these options to see if it is a better fit for your needs.

Planning downloads

Top Five MistakesPlanning Ahead ChecklistPlanning Ahead Guidebook

More on Medicaid

Medicaid Compliant Annuities

In a Nutshell...

Choosing and funding your own funeral celebration well in advance not only saves your loved ones from the challenge of guessing your wishes but also provides them with peace of mind solutions. By establishing a funeral trust and funding your final expense now, you ensure that your family has the resources they need to say goodbye with comfort and support. This act of love is truly the most selfless gift you can leave behind for family and friends, even though it is one purchase you will never see. Pre-planning funerals is a thoughtful way to alleviate future burdens on your loved ones.

About Pre-Plan Now

Man in green shirt and black cap with sunglasses at a canyon viewpoint.

Meet Doug

I've been a financial planner, insurance agent, and insurance wholesaler for 25 years and was Securities registered for 15. I'm passionate about the funeral trust strategy because I believe every family needs to have their affairs in order, especially when it comes to final expense planning. Too often, I've witnessed the heartache and pain that not planning for these matters causes. It is my mission as a planner and insurance professional to ensure families have peace of mind solutions in place for pre-planning funerals before it's too late. I completed my first Ironman 70.3 triathlon when I turned 50. I coached youth sports for 18 years. I roast my own coffee, bake sourdough bread, and grow ultra-hot peppers. I really enjoy fly fishing. I love my grandkids and cherish the time I spend with them. I live in Howland, OH with my wife and am proud of the two fine men we raised.

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a word about Medicaid

Disclaimer

Funding the funeral trust involves purchasing a single premium life insurance policy, which is then irrevocably assigned to a trust that has already been established by the insurer. This process is a crucial part of pre-planning funerals and can provide peace of mind solutions for families. However, it's important to note that the purchase of these insurance policies does not guarantee qualification or approval for Medicaid. Only your local Medicaid eligibility officer can determine your Medicaid eligibility or the status of your assets.

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