08/20/2026
Final Expense vs. Prearranging Your Funeral
Did you know there’s a BIG difference between purchasing a final expense policy and prearranging your funeral with Gates Funeral Home?
Here’s the breakdown 👇🏽
đź’° FINAL EXPENSE INSURANCE
• It’s a whole life insurance policy, so you generally pay premiums for the life of the policy.
• Your death benefit and monthly premium are locked in, but the policy does not protect you from inflation or guarantee today’s funeral prices.
• You must medically qualify based on the policy’s underwriting requirements.
• The policy provides your family with money—but it does not tell them what your final wishes are.
• You’re securing a death benefit, not necessarily securing the actual funeral arrangements.
🕊️ PREARRANGING WITH GATES FUNERAL HOME
• You can choose to pay in full or make payments over 3, 5, or 10 years.
• Your prearrangement can protect against inflation and lock in the 2026 prices for the services and merchandise included in your arrangement.
• No medical qualification is required. Your medical history does not determine your ability to put a prearrangement in place.
• You get to make the decisions ahead of time—from cremation to traditional burial and the specific details of your service.
• Your family knows exactly what you wanted, instead of having to make difficult decisions during an emotional time.
One important thing to remember: neither option is wrong. ❤️
The right choice depends on what you’re personally looking for, your needs, and how you want to provide for your family.
And if you’re wondering which option makes the most sense for YOU, let’s have a conversation.
đź“Ť Gates Funeral Home | Central Florida
