A letter is all that is required should you decide to use a different funeral home prior to death. Another method used in pre-financing funeral agreements in Kansas is insurance. The good news about insurance funded pre-need agreements is that they generally will guarantee the funeral for a set price, and you are not normally taxed on interest earned as it goes to the seller. Be sure and ask if all prices are guaranteed at the time you are making pre-arrangements and ask about any penalties imposed for transfer or withdrawal. If funeral prices are not guaranteed, then you may want to consider other options.
Cemeteries also have trusting requirements, although they are quite different from funeral homes.
The bottom line here is to be extremely careful before signing any kind of pre-finance funeral agreement. No, but consumer protection laws require all advertising to be factual and clear in content. Any misrepresentations should be reported to the Kansas State Board of Mortuary Arts. This is against the law and should be reported to the Kansas State Board of Mortuary Arts. It is often impossible for a company soliciting a pre-need product to know if such a situationexists.