Pre-Need

Pre-Need


Have you ever considered what your funeral should be like - what kind of service there should be or what kind of casket you would prefer? If you're over the age 50, you probably have and those wishes can be taken care of ahead of time.

The median price for a funeral is about $8,000, according to the National Funeral Directors Association, and costs can rise significantly beyond that figure given the wide range of add-ons available today.

Prudent Plan’s Pre-Need polices gives you and your loved ones the peace of mind that all expenses and choices have been taken care of – so that when the time comes, your loved ones have the freedom to focus on honoring your memory.

WHAT IS PRE-NEED INSURANCE?

Another type of life insurance policy that is intended for you to pre-select specific arrangements and gives you the assurance that those arrangements will be paid for and implemented. This includes the funeral and burial costs such as the services, items (like a casket and hearse), or even cremation if that’s your preferred route.

WHAT IS THE DIFFERENCE BETWEEN PRE-NEED AND FINAL EXPENSE?

Final expense policies leave your beneficiary with a certain amount of money to use at the time of your death and sometimes the cost of the funeral exceeds the amount of the policy and your choices are not preselected. Pre-need policies also leave your beneficiary (typically the funeral home of your choice) with a certain amount of money but the arrangements are pre-planned exactly as you want them and the cost of the funeral is locked in so inflation is not a factor.

Pre-planning your final arrangements can save your loved ones time and money in a period of grief. Here are some things you should consider in the process:

  • Pre-planning relieves your family of significant stress and uncertainty over your final wishes and arrangements
  • You choose which funeral home you would like to use and the costs are locked in at the time of planning
  • The money can go straight to the funeral home so your loved ones do not have to worry about a thing

DO I NEED TO PASS A MEDICAL EXAM?

No, our Pre-Need policies do not require a medical exam – just a three-point questionnaire.

If something tragic were to happen to you tomorrow, your loved ones would be responsible for paying for your funeral costs and any other final expenses. This can make an already difficult situation a lot worse. Don’t wait any longer to get the protection that they need. Our agents can make the process as quick and simple as possible. Call today 504-398-0777 and you will be connected to one of our local agents.

WHEN SHOULD I PURCHASE A PRE-NEED POLICY?

As soon as possible. Unfortunately, the one thing that you can never tell is the future. If you pass away before you have the chance to purchase this type of coverage, you will not be able to give your family the money that they will require. They will then have to pay for all of your funeral and final expenses when you pass away on their own. Our experienced agents can make the process as quick and simple as possible. Call today 504-398-0777 and you will be connected to one of our local agents.