Depending upon your personal and overall family situation, we can discuss your options for Pre-Need Planning or considering a Final Expense policy to cover your end-of-life arrangements.


Final Expense insurance and Pre-Need Planning are different ways to pay for funeral and burial costs. The terms are often used interchangeably and may seem like the same thing, but there are subtle differences. Both methods provide funding for end-of-life expenses, and the process of choosing either one encourages people to make plans for their passing. Advance planning allows you to document your final wishes and make arrangements according to your personal preferences, alleviating your loved ones of significant stress and uncertainty while they're mourning.

Final Expense Coverage

Final expense insurance is a type of life insurance policy used to pay the funeral and burial costs of the insured person after they die. This plan allows you to choose a beneficiary – usually a trusted family member – to manage the proceeds after your death, using the funds to cover funeral or cremation costs as necessary. Funeral insurance plans guarantee a fixed amount of insurance proceeds, and the policy is usually based on expected final expense costs.

Pre-Need Planning

This type of insurance policy is specifically designed to cover the cost of pre-planned funeral, cremation, and burial services. Pre-need insurance allows you to plan your funeral or cremation service (per your individual preferences) and pay for the costs in advance. It might seem overwhelming, but making funeral plans sooner rather than later helps you get your affairs in order. Paying for the funeral in advance is also a thoughtful gift for your family in the wake of your death, and helps to protect them from any financial stress in their time of grief.

It's never too early to begin your plan

Based on your personal situation and family dynamics, we can help guide you through the advantages or disadvantages of considering Financial Expense coverage or implementing a Pre-Need Plan. Either way, you will have the peace-of-mind knowing that your affairs and wishes will be in order at the time of your passing.