Frequently asked questions

No. Our guidance and the free guide cost you nothing. When a policy is the right fit, we’re compensated by the insurer, never by adding a fee to you.

It’s a small whole life policy, usually $5,000-$25,000, designed to cover funeral and end-of-life costs. It doesn’t expire while premiums are paid, the premium is fixed for life, and it pays a tax-free benefit to whoever you name.

Premiums depend mostly on your age, health, gender, and coverage amount. Many people in their 50s to 70s pay roughly $30-$100 per month for $10,000-$15,000 of coverage. Because it’s whole life, that premium never rises.

Usually not. Most policies are simplified issue (a few health questions, no exam) or guaranteed issue (no questions at all, with a two-year waiting period on natural-cause claims). We help you find the type you’ll actually qualify for at the best price.

Often thousands. Buying a casket independently can save $1,500+, comparing funeral homes can save $2,000-$4,000, and claiming veterans or Social Security benefits adds more. Our Learning Center covers each.

No, that’s the opposite of who we are. You control the pace. Request the guide, read at your leisure, and reach out only if and when you want to.

Yes. Submissions are transmitted securely and used only to send your guide and to help you if you ask us to. We never sell your information. See our Privacy Policy for details.

It is a federal consumer-protection regulation, in effect since 1984, that requires funeral homes to give you itemized pricing, lets you buy only the goods and services you want, and lets you use a casket you bought elsewhere with no added fee. It is your strongest tool for avoiding overpayment.

Yes. Under the Funeral Rule, a funeral home must accept a casket you purchased from any retailer and cannot charge a handling fee. Families often use online sellers such as BestPriceCaskets.com to compare prices, and it is one option among many.

Funeral homes commonly mark caskets up 200% to 500% over what they paid, and showrooms are arranged to steer families toward higher-priced models. Because you can legally buy a casket elsewhere, comparison shopping is where families save the most.

Often $1,500 or more. A casket a funeral home prices at $3,000 to $4,500 can frequently be found for $1,000 to $1,800 from a third-party retailer, delivered directly to the funeral home.

That is worth reviewing before you buy anything new. You may already have enough coverage, or your beneficiaries may need updating. We are glad to help you check, and if you are already well covered we will tell you honestly.

Yes, at no cost and with no obligation. We confirm your beneficiaries are current, right-size your coverage to real funeral costs, and compare your rate against A-rated carriers so you are not overpaying.

It is smart to review the terms. Prepaid plans lock in one provider and can carry risk if the home changes ownership or you move. We can help you understand what you bought and whether a more flexible option would serve your family better.

Only in a very limited way. Social Security pays a one-time lump-sum death benefit of $255 to an eligible surviving spouse or child. It was never designed to cover a funeral, which is why planning for the gap matters.

Yes. Eligible veterans may receive burial in a national cemetery at no cost, a government headstone or marker, a burial flag, and a VA burial allowance. These benefits can save a family thousands and can be combined with the Social Security death benefit.

Most families we help are. That is exactly why we lead with education and savings. Small whole life policies can fit modest budgets with premiums that never rise, and reducing funeral costs often matters just as much as the policy itself.

For identical services, two funeral homes in the same area often differ by $2,000 to $4,000. Collecting itemized price lists from a few providers is one of the highest-value hours a family can spend.

Funeral homes set their own prices, and larger corporate-owned homes are often pricier than family-run ones. The only way to know is to compare itemized General Price Lists, which the Funeral Rule gives you the right to request.