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About funeral planning.

Advance funeral planning is a key piece in your end-of-life planning journey. We are here to guide you through the process and connect you with resources to make planning as smooth as possible.

What is advance funeral planning?

Advance funeral planning simply means planning your funeral in advance. Before your death, you can secure end-of-life decisions such as details about your funeral and burial or cremation options. These may seem like relatively simple steps, but did you know that your loved ones will likely need to complete at least 125 tasks at the time of your death? You can take care of many of these tasks beforehand, which relieves a heavy burden from your loved ones.

An older couple and two younger grandchildren sitting together on a sofa in a living room. The grandmother is holding open a photo album and the grandfather talking about the contents.

What are the benefits of advance funeral planning?

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Gift to your loved ones.

Planning your funeral ahead of time relieves the emotional and financial burden from your loved ones so they can support one another instead of planning your funeral. It’s a beautiful final gift to leave those you love.

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Peace of mind.

You choose how you want to be remembered, and can take comfort in knowing plans for your final wishes are in place for your loved ones.

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Financial security.

By making payment arrangements when you plan your funeral, you have the peace of mind of knowing your funds are protected. This helps ease the financial burden on your loved ones by ensuring key expenses are covered.

Average funeral costs.

Explore these average costs in the United States so you can plan your funeral with clarity and confidence. These costs can differ depending on your location and when you plan. Planning ahead can often help avoid higher costs in the future as overall prices for goods and services increase over time.
$8,300

the median cost of a funeral in 2023

$6,280

the median cost of cremation in 2023

54%

increase in the average cost of a funeral with burial from 2003 to 2023

These statistics are based on data from NFDA.

Why choose Homesteaders.

With more than 119 years of consistent claim payment, Homesteaders is the secure choice for your funeral funds. We are here to support you as you choose your end-of-life options and connect you with the resources you need to make your decisions as easy as possible.
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Financial stability.
Homesteaders maintains a strong record of financial stability and an unwavering commitment to the families we serve. Our A- (Excellent) financial strength rating* with a stable outlook from AM Best 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.

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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.
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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 funeral planning.

I’m helping my loved one plan their funeral. Where do we start?

If you aren’t sure how to start the conversation with your loved one about prearranging their funeral, we offer various tips about broaching this topic in our blog post. 97% of our policy owners are “completely” or “very” satisfied with their decision to prearrange.* If you and your loved one are ready to start planning, talk to your local funeral provider about next steps and discover Homesteaders’ estate planning resources

*According to the Homesteaders 2025 Customer Satisfaction Survey

Why should I even have a funeral?

While prearranging your funeral allows you to share your final wishes and be remembered how you want, your funeral is a gift for the people you leave behind. Your funeral will be immensely helpful for your loved ones who will grieve your death. It’s a chance for them to say goodbye — a crucial step in any grieving journey. The details of the service, burial or cremation are up to you, but your loved ones can benefit greatly from that opportunity to support one another as they grieve.

When should I start planning my funeral?

Although the average age range for people who preplan a funeral is 70 to 84, it’s never too early to start planning. To learn more, read our blog post about the “right” age to plan.

What funeral planning options are available?

You have countless options when planning your funeral. From the format of the services, such as a religious ceremony or a personalized celebration of life service, to burial or cremation options (including casket, vault and urn types and even environmentally-friendly options), you can choose the type of service that best reflects your values and wishes. Your funeral provider will walk you through your available options.

What if I change my mind later — can I update my funeral plan?

Yes, you can update your plan if your preferences or circumstances change. These decisions are yours, and you can adjust them at any time.

Want to learn more?

When you’re ready, contact your local funeral home to start planning or follow the link below to keep exploring.