A Pre-Planned Funeral is Your Final and Most Lasting Gift

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Give your loved ones the gift of space to grieve, remember, and celebrate you.

Pre-planning your own funeral frees them from the emotional and financial burden of arranging your funeral services after you’ve gone.

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Discover more pre-planning stories

Give your loved ones the gift of space to grieve, remember, and celebrate you.

Pre-planning your own funeral frees them from the emotional and financial burden of arranging your funeral services after you’ve gone.

Give your loved ones the gift of space to grieve, remember, and celebrate you.

Work with Prelude’s family advocates to create a personalized pre-plan your loved ones will cherish.

We help you build a legacy that’s a lasting expression of love and support because your final wishes shouldn’t be reduced to a transaction.

Meet with a Family Advocate

Step 1

Meet with a Family Advocate

During your appointment, you’ll meet with a family advocate to answer questions about your life and define your final wishes and budget.

Receive Your Personalized Plan

Step 2

Receive Your Personalized Plan

Your pre-planning guide will present you with a tailored cremation or burial plan with your urn or casket selections, and more.

Meet with a Family Advocate
Receive Your Personalized Plan

Step 3

Create a Letter That Serves as a Heartfelt Guide for Life After Loss

You’ll receive a personalized letter to share with loved ones that captures and relays your thoughtful, detailed plan.

Set Up a Custom Payment Plan

Step 4

Set Up a Custom Payment Plan

You’ll choose from flexible payment options to cement a plan that supports your budget.

Sign Your Plan Contract

Step 5

Sign Your Plan Contract

You will then meet with either a funeral home director or a Prelude family advocate to discuss and finalize your plan, along with your payment contract.

Set Up a Custom Payment Plan
Sign Your Plan Contract

Let’s Get Started

Meet Your Family Advocates

Charis
"I help people pre-plan because I value the profound gift it provides their loved ones."
Kris
"I help people pre-plan to alleviate future financial and emotional burdens."

Reach Out to Get Started

Frequently Asked Questions

Pre-planning vs. Pre-paying
When will the first payment be taken?

Once the policy application has been reviewed by underwriting (usually takes 0 to 5 business days), the policy will be issued and the first payment will be withdrawn. Applications cannot be submitted without payment. In the event the initial payment is within 4 weeks of their requested monthly payment day, the second payment will not be taken until the following month.

What creditor name will be reflected on the bank or credit card statement?

The creditor will read GWIC or Wellabe. By law, preneed funds must be held separately from other funeral home funds, in a third party trust or insurer. We use the Great Western Insurance Company, a Division of the Wellabe Company. Great Western Insurance Company has a Financial Strength Rating (FSR) of A- (Excellent) and a Long-Term Issuer Credit Rating (Long-term ICR) of A- (Excellent).

Will my family have to pay anything for my funeral when I die, since I have paid in advance?

The services and merchandise which are provided directly by the funeral home are price guaranteed. If all necessary & desired services and merchandise have been included in your preneed plan and your payments are kept current, all will be covered according to the terms of your qualified insurance coverage. The non-guaranteed items are outside the purview of the funeral home and are thus subject to inflation over time. We can estimate the effects of inflation and add buffers to your plan to help prevent shortfalls. Your family should be advised that additional items outside of the plan or shortfalls in non-guaranteed items will need to be paid in full at the time of passing.

What are the 3 tiers of insurance coverage and which have I qualified for?

First Day Coverage means that from the time of policy issue, in the case you should pass before completing payments, the full face amount will be paid out to the funeral home to cover your funeral expenses. This benefit is applied regardless of cause of death or what percentage of the face amount has already been covered by premiums.

Guaranteed Issue Coverage means that from the time of policy issue, in the case you should pass from accidental causes before completing payments, the full face amount will be paid to the funeral home to cover your funeral expenses. In the case you should pass from natural causes, you will receive a graded (partial) benefit as a gradually increasing percentage of your total face amount culminating in 100% coverage in the 25th month of payments.

In the event you select a one-year payment plan, no insurance coverage is provided, but in the event you should pass before completing payments, the full amount of premiums paid to date will be issued to the funeral home to cover your funeral expenses.

How often will I make payments and for how long?

For all insurance policies, you have a 30-day “look see period” during which you should review the details of your policy for any clarification you may need or alterations you’d like to make. Your insurance application (which will be emailed to you on the day you sign) will state your modal premium (monthly, quarterly, semi-annual, or annual) amount, as well as the payment term (single pay, 1-year, 3-year, 5-year, or 10-year). A packet will be mailed to the address provided on the application with complete terms of your insurance coverage, premium amounts, benefits, and policy limitations.

How much interest will I pay over the term?

There is no interest charged on the course product policies. However, the multi-pay policies do charge a fee for the required insurance. The longer the selected payment term, the longer the term of insurance coverage, thus the higher amount paid in insurance fees.

What if I pay off my policy early?

The options for early pay off are as follows:

  • The plan may be paid off within the first 60 days at no extra expense.
  • If the plan is paid off within 1 year of policy issue, the pay-off amount is calculated as the total face amount, less the premium payments made, plus 3% of the face amount.*
  • If the plan is paid off within the first two years from the date of policy issue, the pay-off amount is calculated as the total face amount, less the premium payments made, plus 6% of the face amount.*

*If the policy face amount is less than $3350, the minimum conversion fee is $100 for year 1 and another $100 for year 2.

What are the terms around non-payment?

There is a 90-day grace period before the policy is terminated. Once terminated, it cannot be re-issued and the majority of the financial investment is lost.

Reduced Paid Up (RPU) this is the status of a policy that has been terminated due to non-payment and in which the insured has elected not to withdraw the remaining funds. By not withdrawing the funds, the insured will receive a greater portion of the premiums paid, which can be applied to funeral expenses upon passing. At GWIC/Wellabe RPU funds continue to experience interest growth to help offset expenses.

Cashing out the remaining paid premium funds from a policy which has been terminated due to non-payment will refund only a small portion of the premiums paid and will not include interest gained.

Prelude FAQs on Policy Transfers
What if the funeral home at which I set up my preneed goes bankrupt or closes down?

Your preneed funds are held in a third-party insurance company, so if the funeral home goes out of business, your funds are still protected and able to be transferred to a different funeral home. The third-party insurance company carries reinsurance, so in the event the insurance company goes out of business, your preneed funds will be paid out to the funeral home by the Department of Insurance.

What if I relocate to another state or I want to use a different funeral home for my arrangements?

Your preneed plan can be transferred to the funeral home of your choice. The transfer should not be delayed until time of need and should be arranged at the time of your relocation. Reach out to Prelude or your selected funeral home to initiate the transfer process. Note that you may be responsible for paying a price differential even on guaranteed items, in the event the receiving funeral home has higher prices.

What happens if I have a preneed plan but die away from home?

If you have not purchased the supplemental repatriation protection, your family may be responsible for additional logistics and expenses to bring you home. If you have purchased repatriation protection through Prelude, the additional expense and logistics of bringing you home will be covered by APASI.

Interested in learning more?

Interested in learning more?

Together, we can create a personalized plan that reflects you, and guarantees a worry-free future for your loved ones. We're here for you every step of the way!

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