Fully Transferable Pre-Planning

In today’s uncertain world, planning ahead for your final arrangements brings comfort not just to you, but to your loved ones. At Midtown, we believe that funeral pre-planning should go far beyond just locking-in today’s prices. That’s why our prepaid plans are fully transferable, meaning your investment travels with you through life changes.

Whether you relocate across the country, decide to adjust your wishes, or face the unexpected closure of a funeral home, your plan remains protected and ready to serve exactly as intended. A variety of vehicles can be utilized to safeguard prepaid funds, and they all work a little bit differently. The three most popular ways are life insurance policies guaranteeing a funeral home’s services, trust accounts, and final-expense policies.

In each instance, whether it’s a whole-life policy, a trust account, or a final-expense product, you are the policyowner and you control which funeral home is designated to receive the payment and handle the services. The contract and all funds follow you seamlessly to any licensed funeral home in the country. There are no penalties, no lost payments, and no need to start over. The plan simply moves with you, ensuring your loved ones never face extra financial stress or complicated transfers during an already difficult time.

Your funds are never held by the funeral home, and the funeral home is only paid at the time of the funeral. In fact, in most states it is illegal for funeral homes to hold prepaid funds, and they are required by law to use a third-party such as a trust or insurance policy. In Illinois that is the case and the state of Illinois audits funeral homes every year to ensure they are complying. 

If you’re ready to explore a plan that truly moves with you through every possible change, we invite you to call us and start the conversation. Let us show you how simple it can be to give your family peace of mind.