Good to see you again, friends. Here is a common misconception I hear all the time: “I made pre-arrangements with a funeral home years ago, but we moved across town (or bought a place down south, or simply prefer a different provider now). I guess I’m stuck with where I originally signed.”
I have great news for you: You are never stuck.
The Law is on Your Side: The Right to Transfer
Under state law, your pre-arranged funeral contract is 100% portable. Because your funds are held in an independent trust or insurance policy (and not owned by the funeral home), you hold the absolute legal right to transfer your policy to any licensed provider at any time.
It doesn’t matter if:
You bought the policy 20 years ago or 2 weeks ago.
The original funeral home changed ownership or closed down.
The original contract was marked as “irrevocable” for Medicaid spend-down purposes. (An irrevocable contract means you can’t cash it out for personal money, but you CAN still transfer the servicing funeral home!)
How Easy Is a Transfer?
People often assume transferring a policy involves awkward conversations, endless red tape, or heavy transfer fees.
In reality, transferring a pre-need plan usually takes a quick 10-minute meeting and a single signature.
You don’t even have to call the old funeral home if you don’t want to. We handle all the paperwork and coordinate the transfer directly with the trust or insurance company on your behalf. Your guaranteed wishes, locked-in protections, and funds simply move over smoothly.
Until next time, remember that your choices always belong to you.
