What Is a Pre-Need Plan?

Pre-need insurance is one way to pay for a funeral, but the payout usually goes directly to the funeral home instead of going to your own beneficiary. The holder is usually given the chance to pick out your own funeral costs, and then get pre-need insurance in an amount that takes in your option. You also get to pick the prices in funeral homes.

Pre-need plans are ideal for those who want to opt for their own funeral arrangements and not have to stress and trouble themselves about their loved ones worrying about payment. However, a major con to pre-need insurance is that there is no flexibility. If your family’s financial demands and needs vary over time, it can be hard to make modifications.

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