Home Funeral Planning Pre-Planning vs. Immediate Need Funerals: Pros and Cons

Pre-Planning vs. Immediate Need Funerals: Pros and Cons

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When it comes to arranging a funeral, there are two primary options to consider: pre-planning or immediate need arrangements. Pre-planning involves making funeral arrangements in advance, often years before they are needed, while immediate need funerals are organized soon after a person’s passing. Both approaches have their own set of advantages and disadvantages, and it is essential to understand them in order to make an informed decision. In this article, we will explore the pros and cons of pre-planning funerals and immediate need funerals, and then compare the two options.

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Pre-Planning Funerals: Advantages and Disadvantages


  1. Peace of mind: Pre-planning allows individuals to have control over their own funeral arrangements, giving them peace of mind knowing their wishes will be carried out exactly as they desire.
  2. Financial benefits: Pre-planning enables individuals to lock in funeral costs at today’s prices, protecting against future inflation. This can potentially save their family a significant amount of money.
  3. Reduced burden on loved ones: By pre-planning their funeral, individuals alleviate the emotional and logistical burden on their loved ones during an already difficult time.
  4. Personalization: Pre-planning allows individuals to personalize their funeral, ensuring it reflects their unique personality, values, and beliefs.
  5. Time for consideration: Pre-planning offers ample time to carefully consider all options and make informed decisions without the pressure and stress that immediate need arrangements may bring.


  1. Changing circumstances: Preferences and circumstances can change over time, and what may have been appropriate at the time of pre-planning may no longer be suitable when the funeral actually takes place.
  2. Emotional detachment: Some people may find it difficult to emotionally detach themselves from the funeral planning process, as it forces them to confront their own mortality.
  3. Limited flexibility: Pre-planning may restrict the ability to adapt to new funeral trends or incorporate new technologies that may become available in the future.
  4. Potential out-of-date information: If pre-planning is done many years in advance, important personal and financial information may become outdated, potentially causing confusion and complications for loved ones.

Immediate Need Funerals: Pros and Cons


  1. Immediate closure: Immediate need funerals allow for a quick and timely farewell, providing closure and support for grieving family and friends.
  2. Flexibility: Immediate need arrangements provide the flexibility to adapt to changing circumstances, allowing the funeral to reflect the current preferences and needs of the deceased and their loved ones.
  3. Emotional connection: For some individuals, making immediate need arrangements can be seen as a final act of love and respect for the deceased, allowing them to actively participate in the process.
  4. Current information: Immediate need funerals ensure that all personal and financial information is up to date, minimizing potential confusion or complications.


  1. Emotional stress: Planning a funeral under immediate need circumstances can be emotionally overwhelming for grieving loved ones, as they have limited time to make decisions and may be in a heightened state of grief.
  2. Financial pressure: The cost of immediate need funerals can sometimes be higher compared to pre-planned funerals, as there may be limited time to shop around for the best deals.
  3. Lack of personalization: Immediate need arrangements may result in a less personalized funeral, as there may be insufficient time to consider all the unique aspects that would have been possible with pre-planning.
  4. Burden on loved ones: Immediate need arrangements place the responsibility of planning and organizing the funeral on the shoulders of grieving family and friends, adding to their emotional and logistical burden.

Comparing Pre-Planning and Immediate Need Funerals

When comparing pre-planning and immediate need funerals, it is important to consider personal preferences, financial circumstances, and the emotional well-being of both the deceased and their loved ones. Pre-planning offers peace of mind, cost-saving potential, and reduced burden on loved ones, while immediate need arrangements provide closure, flexibility, and the opportunity for emotional connection. Ultimately, the choice between pre-planning and immediate need funerals should be based on individual circumstances and priorities, with careful consideration of the advantages and disadvantages associated with each option.

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Our chart breaks it down Final expense insurance aka burial insurance or funeral insurance Prepaid funeral plan Amount Typically 500025000 You decide The average funeral in 2019 was around 9000 according to the National Funeral Directors Association but can be as simple or elaborate as you wishThe national median cost of a funeral hovers between 51509135 depending on type of burial 1 But the price could be much higher depending on where you live and what you know about the funeral industryWhat Is Burial Insurance Burial insurance is typically a whole life insurance policy with a small death benefit such as 5000 to 25000 thats meant to take care of final expenses andThe goal of using this Pre Need Planning strategy whether using an insurance policy or a Funeral Trust is to fully prearrange

your end of life plan through both funeral preplanning and also prepaying your funeral expenses This allows you the peaceofmind to know that your loved ones are left with your special gift of knowing that they do Funeral trusts are legal agreements between a trustor trustee and one or more beneficiaries that establishes prepayment of funeral plans and expenses Funeral trusts can either be revocableIt saves the family or legal representative the cost and anxiety of lastminute decisionmaking in the midst of grief Prepayments offer builtin inflation protection as providers assure the cost of the funeral will not increase whether death occurs in three months or 30 years Basic ways to pay for a funeral are with a life insurance policy AtNeed vs Preneed Funeral Planning AtNeed funeral

arrangements are made at the time of death usually by surviving family members or by a trusted friend on behalf of the deceased Making funeral plans at the time of death is particularly difficult because the time frame is short and emotions are high as survivors are dealing with their Preneed plans are a way to make sure your funeral is paid for Some are insurance policies and some are contracts with funeral homes that use a trust for funds Preneed plans outline the specific funeral arrangements of your choice such as the casket flowers and funeral services

Choosing between pre-planning and immediate need funerals is a personal decision that requires careful consideration. By understanding the pros and cons of both approaches, individuals can make an informed choice that aligns with their wishes, values, and circumstances. Whether it is pre-planning for peace of mind or arranging an immediate need funeral for timely closure, both options aim to provide a meaningful and respectful way to honor and remember loved ones.

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