Preplanning and prefunding your cemetery and funeral expenses is one of the wisest and most thoughtful things you can do for yourself and your family.  We all know that someone, whether it will be a spouse, other family member, or friend, will be in charge of our final arrangements when we pass. Preplanning can take the emotional and financial burden off a loved one at one of the most difficult times in his or her life.  We fund our funeral expenses through a life insurance product that not only guarantees the price at the time of death, but also offers convenient payment options that can pay in full in the event of a premature death. It also removes funds that may be claimed by Medicaid if you go into a nursing home.