A prepaid cremation plan allows you to pay for cremation services in advance at today’s prices, locking in costs and protecting against inflation. Average savings range from $2,100 to $7,300+ depending on when services are needed. Online prepaid cremation planning is now easier than ever. Compare transparent pricing, avoid sales pressure, and arrange everything from…
Prepaid Cremation
Planning for the future isn’t just about retirement savings and estate planning—it’s also about ensuring your final arrangements reflect your wishes while protecting your loved ones from unnecessary stress. A prepaid cremation plan offers a practical solution that combines financial planning with peace of mind, allowing you to make important decisions on your own terms.
Start planning your prepaid cremation online today: It’s easier than you think, and your family will thank you for it. Plan ahead with Everis >
What Is a Prepaid Cremation Plan?
A prepaid cremation plan is a financial arrangement that allows you to pay for cremation services in advance, locking in current prices and ensuring your final wishes are honored. This forward-thinking approach relieves your family of financial and logistical burdens during an already difficult time.
When you establish a prepaid cremation plan, you purchase cremation services at today’s prices, resulting in significant savings given the rising costs of end-of-life services. More importantly, you provide clear instructions about your preferences, eliminating guesswork and potential disagreements that can arise when families must make these decisions under emotional stress.
Why Consider Prepaid Cremation?
When you establish a prepaid cremation plan, you’re providing clear instructions about your personal preferences, eliminating the guesswork and potential disagreements that can arise when families must make these decisions under emotional stress. Here are the key benefits:
- Pay today’s prices, not tomorrow’s
One of the most compelling financial benefits of prepaid cremation plans is price protection. Funeral and cremation costs have consistently risen faster than general inflation—approximately 3.1% annually. By purchasing your prepaid cremation plan now, you freeze today’s prices for services you’ll need in the future, potentially saving thousands of dollars, especially when planning many years ahead.
- Your wishes, your way
Selecting a prepaid cremation plan gives you complete control over your final arrangements. You can choose exactly how you want to be remembered, from the type of service to the final disposition of your remains. This level of control ensures your personal values and preferences are respected, whether you prefer a simple, private ceremony or a more elaborate celebration of life.
- Remove the burden from your family
Perhaps the greatest gift of a prepaid cremation plan is the relief it provides your loved ones. During grief, making dozens of decisions about services, products, and arrangements can be overwhelming. Your prepaid cremation plan eliminates this stress by documenting your choices in advance. Your family won’t wonder what you would have wanted or worry about making the wrong decisions—you’ve already made them.
Who Should Consider Prepaid Cremation Planning?
While cremation planning benefits everyone, it becomes increasingly important as we age. The demographic shift is striking: by 2035, Americans aged 65 and older will outnumber children for the first time in our nation’s history—78 million seniors compared to 76.7 million youth under 18, according to the U.S. Census Bureau.
This growing senior population represents millions of families who can benefit from the peace of mind that comes with planning in advance. Whether you’re approaching retirement, caring for aging parents, or simply want to spare your loved ones from difficult decisions, prepaid cremation planning offers a practical solution.
Pro tip: For those who value convenience, privacy, and control over the planning process, Everis’ digital complete cremation planning offers an ideal solution. Plan ahead with Everis>
The Reality of Cremation Planning in the U.S.
Despite our aging population, pre-planning remains surprisingly uncommon. According to the National Funeral Directors Association only 17% of Americans age 40 and older have taken steps to preplan their funeral arrangements, leaving 83% of families unprepared.
The consequences of not planning ahead are significant:
- Grieving families must make irreversible decisions within hours or days
- Most people have never planned a funeral and don’t know where to start
- Emotional stress can lead to overspending or choices that don’t reflect the deceased’s wishes
- Family disagreements may arise when preferences aren’t documented
Digital Cremation Planning: The Modern Solution
The funeral industry is experiencing a digital revolution that’s making cremation planning more accessible, transparent, and affordable than ever before. According to the National Funeral Directors Association 2024 Cremation and Burial Report:
67% Research funeral options online
37% Complete all arrangements digitally
41% Start the process online
20% Prefer online-only arrangements
This digital shift represents a fundamental change in how families approach end-of-life planning. Online platforms eliminate geographical barriers, provide transparent pricing, and offer 24/7 access to information—empowering consumers to make informed decisions without the emotional pressure of in-person sales meetings.
Did you know? Everis empowers you to research, compare, and complete preplanned cremation arrangements from the comfort of their homes—on their own timeline and without sales pressure. Start preplanning with Everis>
Types of Prepaid Cremation Plans
Understanding the different types of prepaid cremation plans helps you choose the option that best fits your needs and budget.
Simple Prepaid Cremation Plan
A simple prepaid cremation plan focuses on basic cremation only. Costs are $1,500-$3,000 and typically cover basic cremation services, transportation, and crematory fees, making this the most budget-friendly option. However, don’t be fooled by price, there are frequent add-on costs for memorial services, urns, and final resting arrangements that must be handled separately.
Full Service Cremation at a Funeral Home
Full-service prepaid cremation plans on average costs $6,280 and offers a blend of a traditional funeral experience with the choice of cremation, providing families with a structured and dignified way to say goodbye. This comprehensive option may include transportation, cremation and memorial service.
Complete Cremation Plan
Modern online cremation providers like Everis offer comprehensive prepaid cremation plans with everything included, eliminating surprises and additional costs. This includes transportation cremation, documents, obituary, memorial, resting place in nature and ongoing support for practical matters, account closures, and grief counseling. Clear, all-inclusive pricing at $4,150 with no hidden fees or missed steps. Complete peace of mind with all services bundled.
Read more: Cremations costs explained
Why Online Prepaid Cremation Plans Are More Affordable
Online prepaid cremation plan providers have revolutionized the industry by significantly reducing overhead costs and passing savings to consumers. What could cost you $15,000 is $4,150 with Everis.
| Everis | Traditional Funeral Homes | Direct Cremation | |
| Price | $4,150 | $7,000-$15,000 | $1500-$3000 + add-ons |
| Memorials Included | ✓ Protected forest with a ceremony & marker | Extra cost | Not included |
| Support | ✓ Real human guides | Often sales-based | Minimal or scripted |
| Eco-Friendly Cremation Options | ✓ Carbon-neutral cremation: flame, water, soil | Burial focused | Flame only |
| Transparent pricing | ✓ No hidden fees, no surprises | Hidden costs common | Hidden costs common |
| Arrange online | ✓ Fully online | Requires funeral home visit | Limited support |
Prepaid Cremation Savings Calculator
Prepaying for complete cremation and memorial services not only saves your family from having to take on the expenses during an already difficult time, but it also saves you money today. Instead of paying higher prices that inflation incurs in five, ten, twenty years, you are guaranteed to only pay current prices.
Prepaying locks in all of your funeral expenses at today’s costs,
so the earlier you prepay, the more you will save overall.
| Today | In 5 years | In 10 years | In 15 years | In 20 years |
| $2,100 Savings with Everis | $4,150 Everis Complete Cremation | $6,250 Average Market Full Service Cremation Cost in 1 Year |
| $2,100 Savings with Everis | $4,150 Everis Complete Cremation | $7,280.70 Average Market Full Service Cremation Cost in 5 Years |
| $3,130.70 Savings with Everis | $4,150 Everis Complete Cremation | $8,481.38 Average Market Full Service Cremation Cost in 10 Years |
| $5,730.07 Savings with Everis | $4,150 Everis Complete Cremation | $9,880.07 Average Market Full Service Cremation Cost in 15 Years |
| $7,359.42 Savings with Everis | $4,150 Everis Complete Cremation | $11,509.42 Average Market Full Service Cremation Cost in 20 Years |
Based on average annual inflation rate of 3.1%
Prepaid Cremation vs. Life Insurance
While both options can help cover final expenses, prepaid cremation plans and life insurance function very differently. Understanding the distinction helps you make the right choice for your situation.
| Feature | Prepaid Cremation Plan | Life Insurance |
| Price Protection | Locked-in prices | Pay market rate at time of need |
| Service Guarantee | Services documented | Cash benefit only |
| Family Burden | No decisions needed, everything pre-arranged | Family must arrange & coordinate everything |
| Speed | Services provided immediately | Can take weeks or months for payout |
Consider a Prepaid Cremation Plan If:
• You want to lock in today’s prices
• You have specific wishes for your services
• You want to remove decision burden from family
• You prefer everything arranged in advance
How to Choose the Right Prepaid Cremation Plan
Selecting a prepaid cremation plan is a personal decision that reflects your values, preferences, and concern for your loved ones.
Take time to research providers, compare plans, and ask questions about anything unclear. Look for providers with strong reputations, transparent pricing, and clear contracts. Consider whether you want the flexibility to transfer your plan if you move, and understand any cancellation or refund policies.
The Value of Planning Ahead with Prepaid Cremation
A prepaid cremation plan represents more than just a financial transaction—it’s a practical way to protect the people you care about most. By making these important decisions now, you provide your family with a roadmap during one of life’s most difficult moments while ensuring your final arrangements reflect your personal values.
Take action today: Take the first step toward securing your prepaid cremation plan today with Everis. Lock in today’s prices, provide emotional relief for your loved ones, and give your family the gift of clarity. Plan ahead with Everis>
