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Comparing providers and financial considerations before you commit Shop multiple providers—funeral homes, cremation societies, and licensed pre-need companies—and compare the Thinking about your own funeral isn’t easy. Discover the pros and cons of prepaid funeral plans in 2025. A Funeral Trust Plan allows you to set money aside, in trust, for your final farewell or for that of a loved one. Also, discover the costs, benefits, and risks involved in getting one. You can either prepay the funeral director or buy a funeral bond and assign the benefit to the funeral director. Pre-paid funerals with Simplicity are made possible by Guardian Plan, proudly part of InvoCare. But they don't cover all funeral costs, so check what's What Is a Prepaid Funeral? A prepaid funeral lets you pay ahead for funeral services, so your family doesn’t face sudden costs or decisions later. 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