Pre-need · Price lock

Lock today's price for tomorrow's funeral.

Funeral home services and casket prices rise 3–5% every year. A pre-need contract freezes today's number against tomorrow's increase. The cheapest direct cremation today ($895) beats the same-spec service in 2031 ($1,180+).

Today

$895

Cheapest direct cremation

5 yr from now

$1,066

Without lock-in (3.6% / yr)

Locked today

$895

Save $171 — pre-need contract

Step 1 — Planning horizon

Step 2 — Service type (today's price)

Step 3 — Payment plan (lock-in)

Step 4 — Reach you

First nameLast nameEmail *Phone (optional)ZIP code *Beneficiary age (optional)Anything else? (special requests, religion, alkaline-hydrolysis preference, etc.)

We never charge a referral fee. We share your ZIP only with the cheapest qualified providers and licensed pre-need brokers in your state.

Why pre-pay (the math)

·Price lock. Funeral CPI runs 3.6% / yr (BLS 2014–2024). Today's $895 direct cremation costs $1,180 in 2031 without a contract.
·Funeral trust transparency. Single-pay funds go into a state-regulated funeral trust. You get an annual statement; the principal + growth pay the contract at need.
·Medicaid spend-down. A pre-paid irrevocable funeral trust is excluded from Medicaid asset limits in most states. Worth $10k+ for Medicaid-bound seniors.
·No 72-hour rush. Decisions get made now, not under grief. Family doesn't pick add-ons that double the cheapest published price.
·Portable. Most pre-need contracts are transferable across state lines. Move to a cheaper state — keep the locked price.

FTC Funeral Rule reminder

You are not required to buy any funeral merchandise from the home selling you the pre-need contract. You can buy a casket from a third-party retailer (Costco, Walmart, Trappist Caskets) and the home cannot charge a handling fee under 16 CFR 453.4.

FTC funeral-rule guidance →

After the funeral

Estate settlement saves money on probate.

An average uncontested probate costs $1,500–$5,000 in attorney fees alone. EverSettled walks families through the document checklist, asset titling, and beneficiary claims — for free. No funeral-home upcharge.

Save on estate settlement