Your Guide to Funeral Planning | 06.21.2023

Funeral Pre-Planning vs. Funeral Insurance: Making the More Practical Choice

Funeral Pre-Planning vs. Funeral Insurance: Making the More Practical Choice

Reviewed By: Scott Ginsberg

Cross Checked By: William Prout

Pre-Planned Funerals Vs Funeral Insurance - Making The More Practical Choice 

If you are in the process of planning for your future and securing the end of your loved ones, your funeral is one of the most critical aspects that you need to make arrangements for. There are two different ways to do this in advance — with a pre-planned funeral or with funeral insurance. 

Funeral insurance or burial insurance is a type of protection plan that covers the funeral cost and other end-of-life expenses. You can purchase this type of policy during your life, so your loved ones are financially protected in case of your demise. The payouts from the funeral insurance plan will allow them to pay for the various funeral costs involved. 

A pre-planned funeral, on the other hand, is a type of funeral that is planned and arranged in advance. You will be able to make all the critical decisions related to your funeral, like the location for burial or cremation, the type of casket or urn, the kind of memorial service you want, and the people you wish to invite. 

With many funeral homes now offering this option, easy funeral planning in advance is very much possible. Furthermore, it is also more practical than simply relying on a funeral insurance plan. 

5 Reasons Funeral Pre-Planning Is More Practical Than Funeral Insurance

Both funeral insurance and pre-planned funerals have their own unique advantages. However, if you are intent on choosing the more practical option, it may be ideal to take care of your funeral planning in advance. This option gives you a chance at practical funeral planning, and it is often considered more beneficial than relying solely on funeral insurance for several reasons, as outlined below. 


Pre-planning allows you to make informed decisions and compare prices from various funeral service providers. By researching and choosing options in advance, you have a better chance of finding affordable options and avoiding potentially high premiums associated with funeral insurance.

Financial control: 

With funeral pre-planning, you have the opportunity to allocate funds and budget according to your preferences. You can set aside money or make arrangements for specific funeral services, ensuring that your wishes are met while having complete control over the funeral costs. Funeral insurance, on the other hand, may have limitations or restrictions on coverage, and the payout may not align with the actual expenses.

Customization of the funeral arrangements: 

You can personalize your funeral arrangements according to your desires. You can outline specific requests, such as the type of service, burial or cremation, casket or urn selection, music, readings, and other elements that reflect your values and preferences. Funeral insurance typically covers only certain aspects and may not provide the flexibility for customization.

Reduced emotional burden: 

Pre-planning a funeral relieves your loved ones of the responsibility of making difficult decisions during a time of grief. By clearly outlining your wishes in advance, you alleviate the stress and potential conflicts that can arise when family members have differing opinions on how to proceed. Funeral insurance, while providing financial coverage, may still leave your family members with the emotional burden of arranging the funeral.

The flexibility of various aspects of your funeral: 

If you pre-plan a funeral and later decide to change certain aspects, you can easily update your arrangements. Pre-planning allows for flexibility, and you can make adjustments as needed. Funeral insurance, on the other hand, often comes with specific terms and conditions that may restrict changes or limit coverage if you decide to make alterations.

Choose The More Practical Option And Pre-Plan Your Funeral Easily

While funeral insurance can provide financial assistance, pre-planning a funeral offers more comprehensive control, customization, and flexibility over the entire process. By pre-arranging your funeral, you can alleviate financial and emotional burdens on your loved ones, ensuring that your final wishes are respected and implemented.

If you are not sure about how to get started with funeral pre-planning, you can begin by deciding whether you want a burial or a cremation. You can then make further plans accordingly. In case you choose a burial, you may want to pre-plan a casket today to counter the effect of inflation. We at Titan Casket can help you here, with 1,000+ options on our website to choose from. Take your pick, pay for it upfront or in installments, and plan ahead without any hassle.