Pre-planning a funeral is also known as “preneed” planning. Preneed refers to prearranging and pre-funding your own funeral. A preneed insurance policy covers the cost of the funeral at the time of death.

Every year, millions of Americans arrange their funerals in advance. They explore their options for a ceremony, they discuss costs, and they set up a plan with the professionals in their community to ensure they’ll have the funeral they choose.

Heartland Funeral Home can assist you with this important process and provide the policy you need to cover the costs of your funeral plan.



The loss of a loved one is a challenging time for family and friends. Emotions run high, plus there are so many details to handle. Funeral homes are invariably staffed by empathetic professionals who can guide you through the process and explain your options. Good funeral homes explain the costs in as gentle a manner as possible. But the fact remains, funerals can be quite expensive.

Financing a Funeral

There is no doubt that advance planning is the best and most cost-efficient way to arrange a funeral. Pre-planning allows you to calmly comparison shop and select the options you desire before a person’s death, rather than at a time when you are likely to be grief stricken and distracted. By giving some advance thought to funeral arrangements, you can control expenses and, if desired, make arrangements for financing when the time comes.

Folks of modest (and not so modest) means are often shell-shocked when they first confront funeral expenses. Thankfully, several financing alternatives are available which don’t require you to lay out $7,000 or more in cash.

Here is a resource that provides information on funeral loans and the staff at Heartland Funeral Home is always willing to discuss your financial options with you.

What to Consider With Funeral Loans