For end-of-life planning.
You have numerous choices in your end-of-life planning journey, and we’re here to guide you through the best options — bringing you clarity and peace of mind about your plans as you prepare to leave a thoughtful legacy and gift for your loved ones.
Where do I start?

Funeral planning.
Start with funeral planning if you’re ready to preplan your funeral — or help your loved one preplan. This step is important to providing peace of mind and lifting the burdens of planning and paying for arrangements when your loved ones are grieving.

Estate planning.
Start with estate planning if you don’t have a full estate plan in place, including a will or trust as well as funeral arrangements and other final decisions. If you have funeral arrangements in place, estate planning is a helpful next step to securing your end-of-life plans.
Why you should plan ahead.
of Americans haven’t documented their end-of-life wishes.*
of Americans don’t have a will.**
of adults have gone into debt to pay for a loved one’s funeral expenses.***
*This statistic is based on data from Hospice News.
**This statistic is based on data from a survey conducted by Caring.
***This statistic is based on data from a study in the UK commissioned by Farewill.
About funeral planning.
Your life story is special and deserves to be told and celebrated according to your wishes. Prearranging your funeral allows you to tell your story and eases the financial and emotional burdens from your loved ones.

About estate planning.
Estate planning offers numerous benefits, including clarity and peace of mind for you and your loved ones. Products like a Homesteaders Beneficiary Liquidity Plan® provide quick access to funds, ensuring your loved ones won’t have to cover any unexpected costs — a necessary component of any estate plan.

Why choose Homesteaders.

Financial stability.
Homesteaders maintains a strong record of financial stability and an unwavering commitment to the families we serve. Our A- (Excellent) rating* from AM Best Company means you can feel confident entrusting us with your funeral arrangement funds.
*AM Best Company, a global rating agency focused on the insurance industry, has affirmed Homesteaders Life Company’s financial strength rating of A- (Excellent) with a stable outlook. Effective May 2025. For up-to-date ratings, visit ambest.com.

Expert partnerships.
We know that end-of-life planning may be unfamiliar or intimidating. That’s why we partner with experts in the funeral profession who will guide you every step of the way — making your planning experience manageable and meaningful.

Exceptional customer service.
Our customer service team’s commitment to exceptional customer experiences makes it easy for you to reach us when you need support. Our team provides fast, efficient service to connect you with the solutions you need, when you need them.
FAQs for end-of-life planning.
How do I start an end-of-life planning conversation with my loved one?
Talking to your loved one about funeral and end-of-life planning might be difficult, but it’s also one of the most crucial conversations. This discussion can provide peace of mind that, when the time comes, you’re honoring your loved one's wishes in the way they would have wanted. Homesteaders offers resources to start these conversations, including Tips for Discussing Funeral Arrangements with Loved Ones.
Why should I plan ahead instead of leaving it to my family?
Planning ahead ensures your wishes are honored, helps prevent emotional and financial burdens on your family and allows them space to focus on grieving and healing instead of planning the details of your funeral or the closing of your estate.
Is end-of-life planning expensive or time-consuming?
With the right support, end-of-life planning can be simple and affordable. Homesteaders partners with funeral professionals who make the process smooth, clear and manageable.
Can I personalize my end-of-life plans?
Absolutely. You can tailor your choices to reflect your values, personal preferences and specific wishes — from funeral service details to financial arrangements and more.
Explore end-of-life resources.
Ready to start planning?
Now’s the time to start your end-of-life planning journey. We’re here to help you through your next steps, when you’re ready.