Funeral: Pre-Pay, Pre-Plan, or Both

Should I Pre-Pay or Pre-Plan my Funeral?

Funeral: Pre-Pay or Pre-Plan | mature Asian womanIt is a good idea to pre-pay and pre-plan your funeral. It is a gift you can give to your family that they will really appreciate.  Your death will take a toll on them emotionally and the last thing you want is them to struggle financially as well because if it.

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This page was last updated on 17th of June 2017

You also don’t want them to be guessing about what they should purchase for your final arrangements. In some families, that can create quite a bit of turmoil.

By pre-paying for your funeral, you are going to be able to save money. You will be able to purchase the plans you want now and to pay current prices. The cost will only continue to increase over time. We don’t know how many days we have left in life, but if you live even another 10 years the cost of a funeral will be significantly more than what you will pay for it now.


By pre-planning your funeral, you get to decide on the details. How do you envision it looking? You can pick your final resting location, the type of casket you want, if you would like a vault, and even arrange for the types of flowers and music you would like. More people are doing this than ever before, and most funeral homes are glad to sit down with you and go over the various options available.

Before you pre-pay and pre-plan your funeral though, you need to make sure the funeral home is going to honor such a contract down the road. Make sure all of the information is in writing and that the funeral home has stability. Ask them what the process will be like if they close the funeral home or it changes hands down the road. Unfortunately, there are some stories out there about such contracts not being honored when someone passed away.

If you don’t like the idea of pre-paying for your funeral, you can still take part in pre-planning. This will allow you to get a plan in writing that you share with the funeral home and with your family so that they know your wishes. You can set aside money for the cost over time too, if you don’t have that money available now.

Or, there is the option of obtaining a burial insurance policy (or funeral insurance) -the terms are interchangeable depending upon your location) or some form of whole life insurance for the purpose.

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