This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. When you pass away, the policy’s pay out goes directly to the funeral home to pay for the arrangements you’ve selected. The funeral director can sell you a pre-need insurance policy when they are also a licensed life insurance agent. You contract with the funeral home for the services you want. Pre-need insurance is sometimes available from the funeral home where you plan to have your services.
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