PreNeed/PrePaying Funeral Arrangements

When a loved one dies, there are many decisions to be made in a short amount of time. What kind of service did they want? Will there be music? Not to mention, who’s going to pay for it all? Prearranging and prefunding a funeral allows you to relieve worries placed on your loved ones during an already stressful and emotional time. It’s a final gift to those you love – and one they’ll appreciate in their time of grief.

Pre-need, pre-funding or Prepaying

Investors Heritage Life Insurance

Investor’s Heritage, a leader in life insurance products, makes prefunding your funeral a simple process.  Burial Insurance through Investor’s Heritage requires no medical exam, age limit, or complicated forms. And with Davis-Struempf’s pledge to guarantee contracts, you can rest assured that the money you put forth today will always cover the cost of your funeral. 

Click for Preneed Brochure

Burial or Cremation

Medicaid Planning 

As you may know, a person applying for Nursing Home Medicaid can have no more than $2,000 in assets. Not all assets count towards this limit though; a house, a car, retirement funds (if certain criteria are met), and a pre-paid funeral plan (valued up to $10,000) are exempt and do not count towards the $2,000 limit. Since $10,000 can be set aside for funeral expenses, It is recommended that families create a pre-paid fund or contract with a funeral home. In addition to the $10,000, there are “knockable” items that can be purchased without jeopardizing Medicaid eligibility. These items include a single burial plot, gravesite, crypt, mausoleum, casket, urn, niche or other containers used to hold the deceased body as well as vaults, headstones, markers or plaques, burial containers and the opening and closing of the gravesite.


We’ve made funding your funeral as convenient as possible. With a Investors Heritage life insurance policy, you only need to complete a simple application to prearrange your funeral.