For consumers who need installments to pay for their preneed arrangement, funeral directors report that the $100 monthly payment is the comfort threshold for most individuals.   For a widow planning her own funeral, the $100 monthly payment will require an installment term of six years or longer.  If the widow needs to also cover an

In prior posts, we discussed the impact that investment return and performance cost increases have on preneed shortfalls.  In this post we will look at how installment payment options impact the funeral and cemetery operator.

Many funeral homes do not offer installment payment options because those monthly payments cut directly into the trust earnings that

The conventional guaranteed preneed transaction is premised upon investment returns offsetting performance cost increases to the funeral home.  Many funeral homes restrict consumers to single payment preneed contracts to limit their exposure to funding short falls.  If the funeral home allows the consumer to pay the preneed purchase price over 60 months, the preneed trust