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Pre-Need Planning

A pre-need funeral contract is a means for you to pre-plan and pre-pay for your funeral services prior to death.


United Funeral Directors Benefit Life Insurance Company and United Funeral Benefit Life Insurance Company has been offering the pre-need funeral contract plans through sponsoring funeral homes in Texas and Oklahoma since the mid-1980s.

A pre-need funeral plan allows you to pre-plan and pre-fund your funeral expenses with your funeral home of choice and an insurance or annuity plan with UFDBLIC or UFBLIC. 


With this plan you can do the following:


  • You can pre-plan and choose for yourself the exact funeral you would want including the merchandise, the type of service, the vehicles you wish to use, the place of service, the music, the verses, and the many other details that normally would be decided by others at the time of service.

  • You can spend the exact amount that you feel is reasonable, and the price will be guaranteed.

  • You can place the plans on file with the funeral home knowing that your wishes will be honored.


And you will relieve your family from making many difficult decisions during a very emotional time.


Funeral arrangements are one of the realities of life…and yet is one of the most neglected areas in a person’s future planning. Experience tells us that survivors that have no guidelines from their deceased family member are often confused about what to do and how much to spend. A pre-need funeral contract may be the solution.

Final Expense Insurance

Final Expense Insurance also known as Whole Life is available to those applicants who are in average to excellent health. Also referred to as a Cash Burial Plan this is level benefit coverage with optional premium paying periods of Single Premium, 1, 3, 5, 7, 10, 20 and Lifetime (Paid-Up at 98). There is no pre-need funeral contract associated with the WL Plan. The minimum face amount is $1,000; the maximum is $25,000.


The Graded Whole Life plan is available for many applicants that have some serious health issues. However, the applicant must not have had any cancer, treatments for cancer or major surgeries within the last year, have serious illnesses with no treatment or cure, and death is not imminent. This is a graded benefit policy with a limited benefit period for the first two years and a level benefit thereafter. The benefit during the Limited Benefit Period will be (1) the refund of premium paid plus 10% interest if death occurs due to natural causes, or (2) the face amount if death occurs due to accidental causes. This policy is not available to persons in hospitals, nursing homes or similar institutions, or to persons requiring continued acute medical care. It is available with optional premium paying periods of 3, 5, 7, 10, 20, and Lifetime (Paid-Up at 98).


Death benefit is paid out to your beneficiaries. These benefits are usually used to fund the funeral, cemetery, or other financial needs.

There are two types of services:

Traditional Burial Service and Cremation.


Over time cremation has gained a lot of popularity, the main reason being more cost effective, but it doesn’t have to be this way if you plan your funeral before you need it.


Planning a funeral consists of getting all information of your vital statistics like place of birth, names, citizenships, dates, etc.


Most importantly when you plan a funeral you must decide on what funeral arrangements you want and need. This starts with selecting Traditional or Cremation service.


Another handful of decisions to be made are the arrangements with eulogy, managing phone calls, clothing, letting family and friends know, making thank you cards, ordering death certificates, etc.


This is just a summarized version of over 100 decisions to be made by the family, when someone passes away.


Getting your funeral pre-arranged is a great way to give your loved ones a head start, that will alleviate a lot of the financial and emotional burden caused by your departure.


Traditional Service

The average cost of a traditional funeral in Texas is around $8,500, this does not include cemetery related charges.



On the other hand, cremation can vary greatly, anywhere from $1,000 to $10,000. The least expensive type of cremation is the direct cremation which doesn’t include any type of service.



Then comes the Cemetery arrangements, like selecting a cemetery space, to taking care of vault, opening and closing of grave, and headstone, or a cremation niche if applicable.


Whichever service you select, it can be tailored to your specific needs, desires, lifestyle, and budget.


However, keep in mind that anything that is strategically planned out, will have a better outcome. This also includes getting a better deal. By having the time to plan and shop around you can find the best deal.

Click “Learn More” to get your personalized plan

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