04/11/2026
Prepaying a funeral allows you to make arrangements in advance, giving you the opportunity to think about what you want, make your wishes known and ease some of the decisions your family may otherwise face during an emotional time.
There can also be financial benefits. Prepaying allows you to lock in the cost of funeral services at today's prices, helping protect against future price increases.
Funeral insurance, which provides a lump sum payment to your family when you die, usually requires you to pay ongoing premiums which may increase as you get older. Over time, you could pay more in premiums than the amount your family receives, and if you stop paying, you may lose your cover and the premiums you've already paid.
For some people, the greatest benefit isn't financial at all. It's knowing that their wishes have been documented and that their family will have one less thing to worry about when the time comes.
If you're thinking about prepaying a funeral but aren't sure where to start, we're always happy to have a conversation and answer your questions with no pressure or obligation.