Preneed Funeral Insurance: Plan Ahead, Ease the Load
Preneed insurance lets you plan your funeral now and pay for it ahead of time. Your family will not have to guess what you wanted. They also will not have to find the money.
We work with families and funeral homes across California to set up preneed plans the right way.
What is preneed insurance?
Preneed insurance is a life insurance plan tied to a funeral plan. You pick your services with a funeral home. Then the policy is set up to pay for them.
When the time comes, the money goes to the funeral home to cover what you chose.
Preneed vs. final expense: what is the difference?
Both help pay for a funeral. The difference is who gets the money and how it is used.
- Preneed: you plan the funeral details now, and the money goes to the funeral home.
- Final expense: the money goes to a person you choose, and they decide how to use it.
Why plan your funeral ahead?
People choose preneed for a few reasons:
Funerals are not cheap. In 2023, the median cost of a funeral with viewing and burial was $8,300, according to the National Funeral Directors Association. A preneed plan helps you set that money aside now.
- Your wishes are written down, so your family does not have to guess
- Your family has less stress during a hard time
- The plan is paid, so no one has to rush to find money
- You can compare choices now, with a clear mind
How does a preneed plan work?
First, you meet with a funeral home and choose your services. Next, you pick how to pay. You can pay all at once or over time. Then the policy is set up to fund the plan.
We help you understand each step. We make sure you know what is covered before you sign.
Help for funeral homes
We also work with funeral homes that want to offer preneed plans to the families they serve. Call us to talk about a partnership.
What can a preneed plan include?
You choose what goes into your plan. Common choices include:
- Funeral or memorial service
- Casket or urn
- Burial, cremation or entombment
- Flowers, music and printed programs
- Transportation and care of the body
Questions to ask before you buy
Ask what happens if prices go up. Ask if the plan can move with you. Ask what happens if you change your mind. A good plan has clear answers. We help you get them in writing before you sign.
Talk with your family, too. When they know your plan, they can follow it with less worry.
Why work with Jeff Davis Insurance?
We work with families and funeral homes, so we understand both sides of a preneed plan. We help you ask the right questions and make sure the plan matches the services you picked.
Request a free quote, send us a message, or call 310-704-4901.
Frequently asked questions
What happens if I move?
Many preneed plans can be moved to another funeral home. Ask about this before you buy. The rules can be different for each plan.
Can I pay over time?
Yes. Most preneed plans let you pay in one payment or spread it out over a few years.
Who gets the money from a preneed plan?
The money goes to the funeral home you chose. It pays for the services and items in your plan.
Is preneed insurance the same as a prepaid funeral?
They are close. A prepaid funeral is the plan. Preneed insurance is often the way that plan gets paid for.
What if funeral prices go up later?
Some preneed plans lock in today's prices for the services you pick. Others grow over time to help keep up. Ask how your plan handles this.
Can I change my preneed plan?
Many plans let you make changes. The rules depend on the plan and the funeral home, so ask before you buy.
Coverage is subject to insurer underwriting, approval and policy terms. A quote request does not bind coverage.