Pre-Funding for Funerals

a Growing Trend


Life’s most important events require planning. Your funeral is no exception. It’s about your life; plan it while you’re living and spare your loved ones from having to make arrangements at the time of your death. The Funeral and Memorial Information Council reported that 72% of those surveyed favored the idea of pre-planning their own funeral. And a growing percentage are discovering the benefits of pre-funding for their final expenses.

Small Steps, Big Impact.

It’s never too early to begin the process of pre-planning and pre-funding your funeral.

You don’t have to decide everything all at once! You can begin compiling memories and setting aside funds today.

When you’re ready to plan out the details, you can meet with the funeral home of your choice to make arrangements.

4 Traditional Ways to Pay for a Funeral:


Life Insurance

These are funds intended to be left to your family and may not be immediately available.

Personal Savings

These are funds for day-to-day living. In the event of a lengthy illness, they may have eroded significantly.

Credit card or loan

This approach leaves heirs in debt.

Family and Friends

Borrowing from family and friends can be embarrassing as well as a financial strain to repay.
Fortunately, there is a better way…
Older couple enjoying the outdoors autumn

A Funeral Expense Trust

happy older coupleA funeral expense trust is a designated, pre-funded plan that combines the financial stability of insurance with the security of a trust.

How much might your funeral cost? Today’s funeral costs less than you might think. The U.S. Senate Committee on Aging shows the average adult funeral price to be $8,495. If something happened to you today, how would your funeral be paid for?

Are Your Funds Protected? Among people turning 65 today, 69% will need some form of long-term care.** The average cost of long term care is between $68,255 and $76,460 per year, growing at an annual rate of 4% over the last five years.† Many people who need long-term care will need to qualify for Medicaid at some point.

tress with pathThis may require reducing their countable assets by paying the nursing home, making allowable purchases, or exempting assets from consideration.

Putting your funds into a trust for funeral expenses exempts that money from Medicaid consideration.

How does a funeral trust work?

  1. Start by investing money from savings or a CD into an Irrevocable Funeral Trust. Protected funds earn tax-free interest until the time of need.
  2. Funds are protected from creditors, nursing homes, and Medicaid.*
  3. The funds avoid the delays and costs of probate and expenses are paid immediately.

How To Get Started


Call or email us

We are trusted pre-funding for funerals advisers.

Establish your trust-protected Final Expense Insurance Policy easily by:

  • a lump sum transfer from savings, CDs 
or Money Market accounts.
  • a transfer of funds from a pre-existing life insurance account [1035 Exchange].
  • adding to the fund in installments over a period of one year.

Next Steps (OPTIONAL):

  • Basic: Complete a brief, three-step planning guide, provided compliments of NGL. Store this with your important documents.
  • Advanced: Meet with a local funeral home of your choice to discuss service options and personal preferences.

Questions? Let Us Know!

"You were right. if we had to come up with the money at this time in our lives, we would be financially stripped."

Dear Karen,

We were all very appreciative of the pre-funded funeral planning you arranged many years ago.

You were right…if we had to come up with the money at this time in our lives, we would be financially stripped.

Wishing you well, and thanks for everything.”

Ed, Paula and Jaime