Pre-paid Funeral & Cremation

Make it easier for the ones you love,
and Leave Nothing To Chance.

Providing for a funeral & Cremation

Providing for a funeral & Cremation

Few people have the resources to pay for immediate end of life expenses on such short notice.

If you rely on your friends and family to pay for your immediate end of life expenses, you may be leaving behind more than heartache. Without providing a plan in advance, the ones you love most may need to reach into their savings accounts, use credit cards, take out a loan, or even sell personal assets in order to pay for your final expenses. 

All too often, money set aside in savings accounts may be subject to early withdrawal penalties, become tied up in probate or be depleted by long-term care expenses or nursing home fees.

A wise choice to protect your loved ones is to meet with our specialists well in advance and establish a plan for your immediate final expenses with a funeral insurance policy/certificate (“policy”) exclusively offered through our firm and its partners.

Pre-paid Funeral Plans

Our Pre-paid Funeral & Cremation plans are paid with a funeral & cremation industry life insurance product, which is designed to keep pace with the rising cost of funerals. The pre-arranged plan ensures that the detailed arrangements planned and paid for today will be carried out - as specified and with no additional cost for the goods and services selected - years later when the need arises.  

Often individuals provide for final expenses by use of their traditional life insurance, savings or relying on friends and relatives for financial assistance. The last thing you want to do is put your family, friends and relatives in an unexpected financial position. (see graph below)

  Pre-paid Funeral & Cremation Funeral Expense Trust Savings/Money Market Certificate of Deposit Traditional Life Insurance/Annuity
Protects death benefits from federal income taxes No No
Considered an excluded asset when attempting to qualify for Medicaid/SSI No No, unless the CD is put into a trust for funeral expenses No
Protected from Probate, lawsuits and creditors No No Depends on your state.
Offers growth to protect against inflation No No No
Pays funeral costs first with any excess funds going to an assigned beneficiary No No No No
Tax penalties Do not apply No No Do not apply to life insurance but Do for annuities

- Remove the emotional burden

Our Pre-paid Funeral & Cremation plans are designed to remove the questions such as "Did we do the right thing?" or "Did we spend too much?". By having a pre-paid plan, you have reduced the emotional questioning process and eliminated the financial aspects that must be handled at the time of a loss.


- Eligibility for Medicaid

Our Pre-paid Funeral & Cremation plans has been reviewed by the departments of health and social services in Maryland, as well as the Health Care Financing Administration (HCFA), and the Social Security Administration (SSI) in determining how it affects eligibility for Medicaid and SSI benefits. Through the use of our irrevocable trust assignments, it allows the transfer because there is adequate consideration. Adequate consideration is a legal concept requiring the applicant or recipient to receive something of equal value for the property transferred or assigned. With our program, the Medicaid applicant or recipient receives something of value - a funeral/cremation service - in return for the assignment of the death benefit of the pre-paid  plan.


- No income tax liability on policy growth

The death benefit payable at time of passing is exempt from income tax liability.


- Portable Coverage

Our Pre-paid plans are completely portable, allowing you to move the plan/coverage as needed during your lifetime and retain your coverage. The details of your plans stay with you and are able to be used at any funeral home of your choosing.

how it works

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