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# Lincoln Heritage Funeral Advantage

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## Posts
- [Funeral Assist: Complete Guide to Planning a Funeral](https://funeraladvantage.com/consumer-resources/funeral-assist-complete-guide-to-planning-a-funeral/): A funeral is any kind of final arrangement (burial or cremation) made by a family after the death of a loved one. The average cost of a funeral is almost $9,000 according to the National Funeral Directors Association depending on the location of the service, the funeral home, and the items used. Funeral planning is for anyone who wishes to take the stress and uncertainty off of their loved ones by making arrangements in advance.
- [Checklist for Who to Call & What to do When Someone Dies](https://funeraladvantage.com/consumer-resources/checklist-for-who-to-call-what-to-do-when-someone-dies/): Losing a loved one is never easy, but losing your husband or wife is one of the most devastating experiences you’ll ever go through. In addition to saying goodbye to your life partner, there are many things you need to do when your spouse dies. Our checklists explain what you need to do, who you need to call, and which documents you need when your spouse dies.
- [What to do When a Spouse or Loved One Dies](https://funeraladvantage.com/consumer-resources/what-to-do-when-a-spouse-or-loved-one-dies/): When someone you love has died, the process of getting all of the paperwork together and planning the service can be overwhelming.
- [What Kind of Life Insurance Should I Get?](https://funeraladvantage.com/consumer-resources/what-kind-of-life-insurance-should-i-get/): You’ve settled down. You and your significant other left the apartment life behind and bought your first house. You both have careers, but maybe one of you wants to stay home now that there’s a baby in the house. And your old compact car wouldn’t accommodate a proper child seat, so there’s a new, safer SUV in the driveway.
- [What is Guaranteed Life Insurability?](https://funeraladvantage.com/consumer-resources/what-is-guaranteed-life-insurability/): While most experts agree that the best time to take out a life insurance policy is when you’re young, that doesn’t always happen. When you’re young and in good health, you can take out an affordable life insurance policy and add an insurability rider – and then never worry about not being covered, no matter how your health changes, as long as you paid the premiums.
- [What Are Beneficiaries?](https://funeraladvantage.com/consumer-resources/what-are-beneficiaries/): There are many questions that come with buying a life insurance policy. One of the most common — and one of the most important — is, “What are beneficiaries?” Our guide explains what beneficiaries are, the different types of beneficiaries, and how to choose one for your life insurance policy.
- [Final Expense & Burial Insurance in Washington DC](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-washington-dc/): Washington, DC, burial insurance (also known as final expense life insurance or funeral insurance) is a type of whole life policy that protects your family from common end-of-life expenses like funeral costs, medical bills, final utility bills, and anything else left behind by the deceased. A funeral insurance policy in Washington, DC, can also help family members pay down mortgages, make car payments, and cover any other debt.
- [Final Expense & Burial Insurance in Texas](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-texas/): Texas burial insurance (also known as final expense life insurance or funeral insurance) is a type of whole life policy that protects your family from common end-of-life expenses like funeral costs, medical bills, and anything else left behind by the deceased. A funeral insurance policy in the state of Texas can also help family members pay down mortgages, make car payments, and cover any other expected debt.
- [Term vs Whole Life Insurance: Pros and Cons](https://funeraladvantage.com/consumer-resources/term-vs-whole-life-insurance-pros-and-cons/): Term life and whole life insurance are both insurance policies that allow you to leave a cash benefit for your beneficiaries after you pass. Term life is a temporary insurance policy that is less expensive but has an expiration date. Whole life insurance builds cash value and costs a little more, stays in force for the life of the insured as long as the premiums are paid
- [Final Expense & Burial Insurance in Tennessee](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-tennessee/): Death is a sure condition for all of us. Though it’s not fun to consider, there will come a time when you are no longer here to enjoy life with your loved ones. Sadly, it’s the people you leave behind that suffer. One way to ensure they are not loaded with financial worries after your death is to invest in burial insurance now.
- [Survey Results 2023](https://funeraladvantage.com/consumer-resources/survey-results-2023/)
- [Final Expense & Burial Insurance in South Carolina](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-south-carolina/): South Carolina funerals can cost $7,800 or more, depending on the style of service you select, the range of memorial expenses, your transportation selection, where you hold the service, and a number of other variables. But unless you prearrange to cover the costs of your final expenses, your loved ones will be responsible for shouldering the payment. That can put a financial burden on them, which can be avoided if you preplan.
- [How Does Permanent Life Insurance Work? Costs, Types, FAQs](https://funeraladvantage.com/consumer-resources/how-does-permanent-life-insurance-work-costs-types-faqs/): Life insurance is an important tool that provides peace of mind for those who don’t want to leave a financial burden for their loved ones after they pass away. It provides a safety net that can pay off your debts, replace your missing income, cover your funeral costs, and pay for any other final expenses you leave behind.
- [Final Expense & Burial Insurance in Pennsylvania](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-pennsylvania/): Nobody wants to think about their own death. However, whether you’re 30 with young children or 75 and retired, you have a responsibility to your family to see to it that your debts are settled. They will also need money to pay for your final expenses. If you were to die today without warning, your death might cause a financial burden on your family.
- [Final Expense & Burial Insurance in Ohio](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-ohio/): When you are planning a funeral or preparing your own final arrangements, understanding the various costs and life insurance options can be difficult. The National Association of Funeral Directors (NFDA) has says the average cost of a funeral is roughly $9,000. But a burial can cost much more than this depending on the style of service, the casket used, the funeral home you choose, and transportation of friends and family. Burial insurance – otherwise known as funeral insurance – can help cover some of these costs.
- [Final Expense & Burial Insurance in North Carolina](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-north-carolina/): When you plan a funeral in North Carolina, you can expect to pay between $895 for a direct cremation to $20,000 or more for a full funeral, including a casket, burial vault, and memorial service. There are many factors that go into these costs, including where the deceased pass away, the type of service held, the funeral home used, and what service items are chosen by the family (memorial cards, videos, flowers, transportation, etc.). Those left behind after the passing of a loved one are often the ones left with the expenses.
- [Final Expense & Burial Insurance in New Jersey](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-new-jersey/): Burying a loved one in New Jersey is expensive. Depending on the type of casket and how elaborate the service will be, it will cost between $4,397 and $13,243. And if you pass suddenly without having a financial plan in place, your beneficiaries will have to come to terms with these staggering figures.
- [Your Complete Guide to Getting Help With Funeral Costs](https://funeraladvantage.com/consumer-resources/your-complete-guide-to-getting-help-with-funeral-costs/): When a loved one dies, grieving family members are left with countless decisions to make about the funeral – all of which need to be made quickly.
- [Final Expense & Burial Insurance in Missouri](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-missouri/): For each year that passes, funeral expenses get more expensive. In fact, you can pay upwards of $10,000 for a funeral today. Missouri prices can be slightly less, depending on the style of service you choose, the means of transportation you use, where you decide to hold the funeral, and which memorial expenses you include. But even funerals in Missouri can reach that amount, and these high prices can cause your loved ones to struggle if they’re left to pay your funeral costs.
- [Final Expense & Burial Insurance in Michigan](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-michigan/): In Michigan, it can cost $10,000 or more for a funeral, depending on the style of service, memorial expenses, transportation, and where you hold the service. And if you pass unexpectedly, your loved ones may struggle to pay for your funeral’s expenses.
- [Final Expense & Burial Insurance in Massachusetts](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-massachusetts/): Funeral expenses are going up all around the country, and in Massachusetts a funeral can cost more than $10,000 depending on the style of service, the means of transportation, memorial expenses, and where you hold the service. And those left behind may struggle to pay your final expenses unless you’ve planned for them.
- [Final Expense & Burial Insurance in Maryland](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-maryland/): Federal law dictates basic laws surrounding burial services. Known as the Funeral Rule, these rules apply to every state and are enforced by the Federal Trade Commission (FTC).
- [Funeral Planning from Afar: A Guide for Long-Distance Caregivers](https://funeraladvantage.com/consumer-resources/funeral-planning-from-afar-a-guide-for-long-distance-caregivers/): Planning a funeral for a loved one will be one of the hardest experiences you will ever have to face. This challenge can be made more complex, and more emotionally and physically exhausting, if you are making arrangements from afar.
- [Guide to Life Insurance for Seniors Over 80](https://funeraladvantage.com/consumer-resources/guide-to-life-insurance-for-seniors-over-80/): When you’re 80 and older, there are fewer senior life insurance options available than when you were younger, and you won’t be able to buy a large policy. The good news is that at this stage in your life, you don’t need as much coverage as you used to. Most adults in their 80s have paid off large debts like mortgages, have grown children who no longer depend on them, and don’t need a safety net to replace lost income. Plus, they usually have savings and assets that will cover the debt they leave behind.
- [Life Insurance for Seniors Over 70](https://funeraladvantage.com/consumer-resources/guide-to-life-insurance-for-seniors-over-70-or-75/): Life insurance for seniors over 70 can help provide money for final expenses, outstanding debts, and other costs your loved ones may face after you pass away. While coverage can become more expensive as you age, seniors in their 70s still have several life insurance options to consider, including final expense, term, whole, and universal life insurance.
- [Guide to Life Insurance for Seniors Over 60](https://funeraladvantage.com/consumer-resources/guide-to-life-insurance-for-seniors-over-60/): Life insurance is a useful tool for helping your loved ones pay your final expenses. Although many people buy a policy in their younger years, there are many senior life insurance options for people over 60. Comparing different plans is a great way to find affordable life insurance for seniors.
- [Complete Guide to the Best Life Insurance for Seniors](https://funeraladvantage.com/consumer-resources/complete-guide-to-the-best-life-insurance-for-seniors-2/): Life insurance is one of the most trusted ways to provide for loved ones after you’ve passed. But deciding which policy is right for you can be challenging.
- [Can You Buy Life Insurance for Your Parents?](https://funeraladvantage.com/consumer-resources/can-you-buy-life-insurance-for-your-parents/): Yes, you can purchase life insurance for your parents to help cover their final expenses. It offers some peace for your family during this difficult time. In order to buy a policy on a parent, you will need their consent along with proof of insurable interest. The type of policy you buy will depend on their age, financial situation, and their overall health. Having life insurance is essential when it comes to preparing for the passing of a loved one (learn what to do when a loved one dies). It’s imperative to purchase life insurance for parents that will offer the most support for you on one of the worst days of your life.
- [Life Insurance for Military Members](https://funeraladvantage.com/consumer-resources/life-insurance-for-military-members/): Many people are surprised to learn there are several options when it comes to life insurance for military members. Depending on where you buy your policy and the type you choose, your rates can vary widely. Our guide breaks down what active military personnel and veterans need to know about finding the coverage that meets their needs
- [No Medical Exam Life Insurance: Questions and Answers](https://funeraladvantage.com/consumer-resources/no-medical-exam-life-insurance-questions-and-answers/): Not all life insurance policies require a medical exam. Smaller policies – like final expense insurance (also known as “burial insurance” or “funeral insurance”) – typically only require answers to health questions.  These no medical exam life insurance policies are a great tool for those with health concerns who want to give their loved ones support in paying the bills they leave behind.
- [Final Expense & Burial Insurance in Kentucky](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-kentucky/): As the cost of funerals continues to rise across the nation, people are looking into products like funeral insurance, also known as final expense insurance, to help pay for their end-of-life expenses. They know that if they pass without making arrangements for their final expenses, their loved ones will have to shoulder the burden. And funeral insurance pays for more than just funerals: It can also cover final medical bills, car payments, outstanding utility bills, and more. And if you purchase a policy with a higher payout, you may even be able to leave a cash benefit for your beneficiaries.
- [Final Expense & Burial Insurance in Indiana](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-indiana/): In Indiana, the average cost for a burial and funeral is $8,800. This price tag doesn’t include the casket, flowers, and other miscellaneous things typically involved in a funeral. When you add up all the extras, final arrangements can easily top $10,000. And if you pass unexpectedly without an insurance policy, your family may struggle to pay those expenses.
- [Final Expense & Burial Insurance in Illinois](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-illinois/): The cost of a funeral in Illinois can range from $2,770 to $10,000 or more depending on the service you are provided. Your family may struggle trying to pay for your funeral if you pass away without savings or a life insurance policy.
- [How to Select a Life Insurance Agent](https://funeraladvantage.com/consumer-resources/how-to-select-a-life-insurance-agent/): Selecting the right life insurance agent is an important first step in ensuring you have someone on your side as you go through the world of insurance. Treat the search for an insurance agent as you would treat a search for a doctor or lawyer: seek multiple opinions and don’t settle for someone you’re not comfortable working with. There are two main types of insurance agents: independent agents who represent multiple insurance companies and those that work exclusively for a single insurance company.
- [How to Pay for a Funeral: Your Complete Guide](https://funeraladvantage.com/consumer-resources/how-to-pay-for-a-funeral-your-complete-guide/): It’s easy to put off thinking about paying for something that seems so far in the future. After all, there always seem to be competing needs– perhaps retirement funds, college tuition, home renovation, or paying off debt. But thinking ahead about how you’re going to pay for your funeral one day can be a smart investment. Chances are you aren’t quite sure how much it will cost, and you aren’t quite sure how it will be paid for.
- [How to Move Forward After Becoming a Widow](https://funeraladvantage.com/consumer-resources/how-to-move-forward-after-becoming-a-widow/): Everyone deals differently with grief when losing a spouse, just as everyone deals differently with how to move forward when facing life as a widow. There’s no structured process, no 12-step program, and no numbered checklist to get your life moving again. And that’s not necessarily a bad thing, because everyone must go at the pace they feel most comfortable keeping.
- [How To Find Out If Someone Has Life Insurance](https://funeraladvantage.com/consumer-resources/how-to-find-out-if-someone-has-life-insurance/): Our guide explains everything you need to know about how to find out if someone has life insurance. If you’re unsure if someone has or had a policy, there are ways to find out, including looking at personal belongings, doing an online search, and contacting the Insurance Commissioner’s office in your state.
- [How to Cope with Death](https://funeraladvantage.com/consumer-resources/how-to-cope-with-death/): Trying to navigate how to cope with death is never easy, even if it’s not the first time you’ve mourned the loss of a loved one. It’s important to understand that no one’s path to healing is the same. Turning to your support system and practicing the coping techniques that bring you comfort are critical during this time.
- [How to Compare Life Insurance Policies and Quotes](https://funeraladvantage.com/consumer-resources/how-to-compare-life-insurance-quotes/): Life insurance is one of the most trusted ways to provide for loved ones after you’ve passed. But deciding which policy is right for you can be challenging. What kind of  senior life insurance should you have? How much is enough? What’s the best life insurance to have at your age?
- [How to Choose the Best Senior Life Insurance Company](https://funeraladvantage.com/consumer-resources/how-to-choose-the-best-senior-life-insurance-company/): Seniors who have worked a lifetime to build their financial assets often don’t need a large amount of life insurance. In many cases, they no longer have loved ones who are financially dependent on them, so they don’t need to replace lost income. But many older adults still want an added layer of protection to help ensure their loved ones aren’t left with a heavy financial burden to cover their final expenses.
- [Complete Guide to Prepaid Funerals: Plan, Costs, Pros & Cons](https://funeraladvantage.com/consumer-resources/complete-guide-to-prepaid-funerals-plan-costs-pros-cons/): Setting aside money to take care of any large expected expense is a smart thing to do, and a funeral is no different. The key is to understand how pre-paid funeral plans work.
- [How Much Life Insurance Do I Need?](https://funeraladvantage.com/consumer-resources/how-much-life-insurance-do-i-need/): No one likes to think about what will happen when they pass, but ensuring that your loved ones are taken care of and your obligations are met is an important part of financial planning. After all, our loved ones will likely be responsible for covering final expenses.
- [How does whole life insurance work?](https://funeraladvantage.com/consumer-resources/how-does-whole-life-insurance-work/): Whole life insurance is a type of permanent life insurance that provides lifelong coverage as long as premiums are paid. It also builds cash value over time, which may be available through policy loans or other options.
- [How Does Cremation Work? A Step-by-Step Guide](https://funeraladvantage.com/consumer-resources/how-does-cremation-work-exploring-the-process-from-start-to-finish/): Cremation works by using intense heat to reduce the body to bone fragments, which are then cooled, processed and placed in a container for the family. For most flame-based cremations, the process involves six main steps, from identifying the deceased and completing authorization paperwork to preparing the body, cremating it, processing the remains and returning them to the family.
- [How Can I Get a Life Insurance Quote?](https://funeraladvantage.com/consumer-resources/how-can-i-get-a-life-insurance-quote/): When shopping for life insurance, you’ll find that some insurance providers ask you to take an extensive medical exam – while others simply ask a few health questions. Regardless of the approach they take, insurance providers are simply trying to determine how much risk you’d present if you took out a policy with them.
- [A Complete Guide to Guaranteed Life Insurance](https://funeraladvantage.com/consumer-resources/a-complete-guide-to-guaranteed-life-insurance/): Typically, applying for a life insurance policy has a lot of unknowns because you never know if the insurer is going to approve your application. But with a guaranteed issue life insurance policy, also called a guaranteed acceptance policy, you can have confidence your application will be approved.
- [Guide to Green Burial – A Natural Approach to Funerals](https://funeraladvantage.com/consumer-resources/guide-to-green-burial-a-natural-approach-to-funerals/): Environmental stewardship doesn’t need to stop at the end of life. Many people have begun viewing their final wishes through a green lens, taking the opportunity to help protect the environment when they pass away. This natural approach to funerals has led to an increase in green burial cemeteries, green burial caskets, and even green funeral ceremonies like a tree burial. In fact, a 2017 survey by the National Funeral Directors Association found that more than half of respondents (53.8 percent) expressed their intent for eco-friendly burial options.
- [Final Expense & Burial Insurance in Georgia](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-georgia/): The average lifespan in Georgia is about 75 years, but even if you are nowhere near this age there’s never a wrong time to begin thinking about your final wishes. Not doing so can make the pain of your loss even greater for your family as they struggle to pay your final expenses.
- [Funeral Planning Checklist: Pre-Plan Your Funeral Service Arrangements](https://funeraladvantage.com/consumer-resources/funeral-planning-checklist-pre-plan-your-funeral-service-arrangements/): Preparing for a funeral may seem intimidating, but making your plans and wishes in advance allows you to decide on the specific items you want and need. Because funeral expenses can place a financial burden on families, comparing prices for services and products ahead of time can significantly reduce the burden on your loved ones.
- [The Funeral Planning Guide for Veterans](https://funeraladvantage.com/consumer-resources/the-funeral-planning-guide-for-veterans/): Veterans have made many sacrifices for a cause that requires an immense amount of perseverance and dedication. Whether they pass away in combat or in old age, family and friends often want to plan a burial that’s as dignified as they were. Creating a memorial that commemorates their life, while also celebrating their service, is a distinguished way to honor a veteran.
- [Funeral Planning Checklist from Funeral Advantage](https://funeraladvantage.com/consumer-resources/funeral-planning-checklist-from-funeral-advantage/): Planning a funeral can seem complicated and feel overwhelming, and it usually happens during a very emotional time. A good checklist can help get you over the rough spots and make the process a little easier.
- [Final Expense & Burial Insurance in Florida](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-florida/): In Florida, the average funeral costs about $8,000, and that price is rising. If you or your loved one passes away with no plans to pay for final expenses, family members may be left figuring out how to cover rising funeral costs.
- [How to Help a Loved One with Alzheimer’s Plan Final Arrangements: A Guide for Caregivers](https://funeraladvantage.com/consumer-resources/how-to-help-a-loved-one-with-alzheimers-plan-final-arrangements-a-guide-for-caregivers/): Everyone handles grief differently. There is no right or wrong way to work through the pain of coming to the end of one’s life. This is especially true for someone suffering with Alzheimer’s disease, a neurological disorder where the death of brain cells results in memory loss and impaired cognitive functioning. You must have a great deal of compassion, respect and patience when handling emotional topics, like end-of-life care and funeral arrangements, for someone with Alzheimer’s.
- [Paying for a Disabled Dependent’s Funeral: 3 Supportive Resources](https://funeraladvantage.com/consumer-resources/paying-for-a-disabled-dependents-funeral-3-supportive-resources/): When a loved one passes away, the last thing on your mind should be how you’re going to pay for the funeral. Unfortunately, that’s not the case for many families. Fees vary based on geography and individual choices, but when you add it all up, the average funeral costs between $7,000 and $10,000. Some examples of individual components you will pay for include:
- [What’s the Difference Between a Pre-Need Plan and Final Expense Insurance?](https://funeraladvantage.com/consumer-resources/whats-the-difference-between-a-pre-need-plan-and-final-expense-insurance/): If you’re considering planning for your funeral ahead of time, you’re making a smart choice; doing so can save your family both money and decision-making during an emotional period.
- [Cremation vs Burial: Costs, Pros & Cons](https://funeraladvantage.com/consumer-resources/cremation-vs-burial-which-is-best-for-you/): The decision between cremation vs burial is a very personal one, often involving faith, family tradition, and personal beliefs. Cost can also be a consideration because there is a substantial difference between cremation costs and burial costs.
- [A Complete Guide to Cremation Insurance](https://funeraladvantage.com/consumer-resources/a-complete-guide-to-cremation-insurance/): Cremation insurance is a type of final expense life insurance specifically earmarked to cover the costs of cremation and other final wishes. In the past, cremation has cost less than traditional burial, but with more people choosing to be cremated every year, funeral homes have started adjusting their prices. Today, the cost of cremation can rival the cost of a traditional burial depending on the options chosen, the facility used, and whether or not the funeral home is used for a service beforehand. Purchasing cremation insurance today can help cover the costs of your final arrangements, so you can avoid burdening your loved ones with expenses when you’re gone.
- [How Much Does Cremation Cost?](https://funeraladvantage.com/consumer-resources/how-much-does-cremation-cost/): The cost of cremation can vary depending on the type of service, location, funeral home, and additional arrangements. A basic or direct cremation generally costs less than a cremation with a traditional funeral or memorial service. The average cremation cost is between $4,000 and $7,000 depending on the type of cremation. Direct cremation costs between $2,000 and $5,000. Funeral costs are rising and more people are turning to cremation instead of burials to save money. But many don’t realize a cremation can cost as much as a burial once all of the service fees are calculated. For those looking to save as much money as possible, direct cremation is a good option, and families can save even more money by providing their own urn and cremation container. Funeral homes will often provide cremation packages that include a memorial service and viewing casket. Cremation package prices depend on the funeral home and location, but typically range between $2,000 and $10,000. According to the NFDA Cremation & Burial Report, the cremation rate is projected to reach 70% by 2030. As more consumers choose cremation, prices will continue to increase.
- [How Much Does an Urn Cost?](https://funeraladvantage.com/consumer-resources/how-much-does-an-urn-cost/): The average cost of cremation today is $4,000 to $7,000, and the urn is often a huge part of this final expense. The container’s size, style, and material are all important factors in its overall cost. Most people pay $70 to $2,250 for a full sized, permanent urn and $50 to $350 for green burial containers. If cremation is right for you, you can save money on the cost of an urn by buying one from a discount retailer rather than a funeral home or crematorium and using your burial or funeral insurance policy to cover the cost.
- [Final Expense & Burial Insurance in Colorado](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-colorado/): If you’re researching funeral options in Colorado, you’ve likely noticed that they are certainly expensive. Fortunately, final expense life insurance (also known as funeral insurance) can help protect your family from the high cost of end-of-life expenses. This type of life insurance covers things like the costs associated with a funeral, medical bills, final car payments, utility bills, and other debt left behind by the deceased. You can also instruct your family members to keep the extra cash for themselves after your expenses are paid.
- [Guide to Casket Prices: How Much Do Caskets Cost?](https://funeraladvantage.com/consumer-resources/guide-to-casket-prices-how-much-do-caskets-cost/): A casket is a huge funeral expense. With an average cost of $2,000 to $5,000, it’s often the most expensive aspect of a funeral. Getting a casket price list from the funeral home you work with, comparison shopping online, and choosing the right burial or funeral insurance policy are all helpful ways to save money when buying a casket.
- [Final Expense & Burial Insurance in California](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-california/): Life insurance is one of the most trusted ways to provide for loved ones after you’ve passed. But deciding which policy is right for you can be challenging.
- [How Much Does a Burial Plot Cost?](https://funeraladvantage.com/consumer-resources/how-much-does-a-burial-plot-cost/): The cost of a burial plot depends on several factors. The kind of space, type of cemetery, and where you live all play a role in how much you’ll pay. On average, burial plots for caskets range from $1,000 to $5,000 and $350 to $3,000 for cremated remains in urns.
- [End-of-Life Insurance – What’s the Difference Between Burial Insurance, Life Insurance, and Funeral Insurance?](https://funeraladvantage.com/consumer-resources/end-of-life-insurance-whats-the-difference-between-burial-insurance-life-insurance-and-funeral-insurance/): Burial insurance is also known as “funeral insurance” and is an easy-to-qualify for, low coverage, whole life insurance policy designed to cover end of life expenses like medical bills, funeral expenses, and other debts that are left behind when you pass. Most burial insurance plans are affordable, have fixed premiums, and can be issued quickly.
- [What is Burial or Funeral Insurance for Seniors?](https://funeraladvantage.com/consumer-resources/what-is-burial-or-funeral-insurance-for-seniors/): Burial insurance, also known as funeral or final expense insurance, is a great life insurance option for seniors. It helps pay for funeral related costs to help ease financial and planning burdens for loved ones. Plans range in price from about $18 to $286 per month for seniors depending on the senior’s age, sex, overall health, and how much coverage they want.
- [Complete Guide to the Best Life Insurance for Seniors](https://funeraladvantage.com/consumer-resources/complete-guide-to-the-best-life-insurance-for-seniors/): Life insurance is one of the most trusted ways to provide for loved ones after you’ve passed. But deciding which policy is right for you can be challenging.
- [How Much Does a Funeral Cost?](https://funeraladvantage.com/consumer-resources/how-much-does-a-funeral-cost/): What does the average funeral cost in 2026? See a breakdown of average funeral costs and services, including cremation, burial, embalming, and more, plus FAQs.
- [Final Expense & Burial Insurance in Arizona](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-arizona/): While Arizona remains one of the least expensive places to hold a funeral, the cost is still high. It can easily cost upwards of $6,590 — not including a casket and memorial tributes — to carry out final wishes. Burial insurance can help to lower these expenses, so your family is not left with a huge financial burden should you pass without making plans for your own funeral.
- [Are Funeral Expenses Tax Deductible?](https://funeraladvantage.com/consumer-resources/are-funeral-expenses-tax-deductible/): Funeral expenses aren’t tax deductible for individuals, and they’re only tax exempt for some estates. Estates worth $11.58 million or more need to file federal tax returns, and only 13 states require them. For this reason, most can’t claim tax deductions. Plus, the values of estates that have to pay federal or state taxes are very high, so claiming funeral expenses is fairly uncommon. As always, it's best to consult a tax professional when making tax-related decisions.
- [Final Expense & Burial Insurance in Alabama](https://funeraladvantage.com/consumer-resources/final-expense-burial-insurance-in-alabama/): If you’re just starting to plan for your final arrangements, you might not know the scope of the costs. You might be surprised to realize that all across the country, funerals can be quite costly. And Alabama is no exception. Depending on what particular details you want included in your final arrangement, the costs can be staggering. In fact, after buying a house and car, funeral goods and services are the most expensive things many people buy.
- [Affordable Life Insurance For People Over 50](https://funeraladvantage.com/consumer-resources/affordable-life-insurance-for-people-over-50/): If you don’t know your options, it can be discouraging to look for life insurance when you’re older than 50. It’s a commonly held belief that insurance over 50 is expensive and difficult to get. But the truth is, it is possible to find an affordable insurance policy, even when you have health concerns, that will help take care of your loved ones after you’re gone—and make sure they don’t incur any unnecessary expenses.
- [Funeral Myths: 10 Questions to Ask When Choosing a Funeral Home](https://funeraladvantage.com/consumer-resources/funeral-myths-10-questions-to-ask-when-choosing-a-funeral-home/): Finding a funeral home is difficult, regardless of whether you’ve just lost a loved one or are working on pre-planning. The details surrounding death can make us uneasy, and we often avoid thinking about the topic until absolutely necessary.
- [What is the Funeral Consumer Guardian Society®?](https://funeraladvantage.com/consumer-resources/what-is-the-funeral-consumer-guardian-society/): Every Lincoln Heritage Funeral Advantage® policy comes with a free membership to the Funeral Consumer Guardian Society®, an independent consumer advocate organization founded in 2000 to provide professional guidance to member families during the funeral planning process. The FCGS ensures families have the information they need to make informed decisions by reviewing funeral contracts and price-shopping local funeral homes on behalf of the family.
- [Burial Insurance for Seniors: Costs, Rates & Coverage](https://funeraladvantage.com/consumer-resources/burial-insurance-for-seniors/): Burial insurance for seniors, also known as funeral or final expense insurance, is a great life insurance option for seniors. It helps pay for funeral related costs to help ease financial and planning burdens for loved ones. Plans range in price from about $18 to $286 per month for seniors depending on the senior’s age, sex, overall health, and how much coverage they want.
- [What is Burial or Funeral Insurance & How Does it Work?](https://funeraladvantage.com/consumer-resources/what-is-burial-or-funeral-insurance-how-does-it-work/): Burial insurance, also called final expense or funeral insurance, is a helpful tool for loved ones paying for a departed family member or friend’s funeral, memorial service, headstone, urn, and other final expenses. It is essentially a life insurance policy, but with a much smaller benefit amount than traditional life insurance. It’s usually purchased to cover final arrangements, but can also be used to pay the deceased’s debts, including medical bills, credit card bills, mortgage loans, and personal loans. If you think you and your family may benefit from burial insurance, it’s easy and quick to get a free quote for a final expense life insurance policy.
- [What Is the Difference Between Life Insurance and Funeral Insurance?](https://funeraladvantage.com/consumer-resources/what-is-the-difference-between-life-insurance-and-funeral-insurance/): Life insurance is a necessity that most people purchase to leave behind a legacy for those they love. But some types of life insurance are designed to address specific things. That’s why it’s important that you understand what is the difference between life insurance and funeral insurance before you decide on your policy.
- [What Is Insurable Interest in Life Insurance?](https://funeraladvantage.com/consumer-resources/what-is-insurable-interest-in-life-insurance-2/): If you watch Hollywood films, you might think you can take out an insurance policy on just about anyone and benefit from it when they pass. But the truth is that insurance companies are picky when it comes to who can insure another person’s life.
- [What Is a Scattering Ashes Ceremony?](https://funeraladvantage.com/consumer-resources/what-is-a-scattering-ashes-ceremony/): Whether you are planning a loved one’s final disposition or want to plan your own, an ash scattering ceremony is something you might want to consider. The cost of funerals continues to rise, and a scattering ashes ceremony is one way to keep down the costs. In this article, we will look at ash-scattering ceremony ideas and provide tips on how to plan one that will best honor the deceased.
- [What Is a Funeral Procession?](https://funeraladvantage.com/consumer-resources/what-is-a-funeral-procession/): Planning a funeral for yourself or a loved one involves many intricate details that you may have never considered. For instance, the funeral procession is one detail that many people don’t think about until the time has come to plan a funeral. Follow along as we discuss this important aspect of a funeral.
- [Celebration of Life vs. Funeral](https://funeraladvantage.com/consumer-resources/celebration-of-life-vs-funeral/): In Western culture, somber traditional funerals have typically been the most popular way to say goodbye to loved ones. Recent trends show that some people are choosing to say goodbye with a celebration of life service instead. If you are looking for a more personal way to say goodbye – or to plan your own final disposition – here’s what you need to know about organizing a celebration of life.
- [Donating Your Body to Science: Things to Consider](https://funeraladvantage.com/consumer-resources/donating-your-body-to-science-things-to-consider/): Many people elect to be organ donors – that is, they pre-select the option of donating their organs to a living person upon their death. But there is another program that enables you to donate your entire body to medical study at the time of your passing. Donating your body to science is a non-transplant option that has become an important way to expand and enhance the teaching and practice of medicine. Donating a body to science after death – also known as whole body donation or anatomical donation – makes this critical education possible. But there are several important considerations when contemplating this step, including the actual process of how to donate your body to science, the financial ramifications of your donation, and the disadvantages of donating your body to science.
- [Can You Have More Than One Life Insurance Policy?](https://funeraladvantage.com/consumer-resources/can-you-have-more-than-one-life-insurance-policy/): Many people purchase life insurance policies to make sure their loved ones are taken care of after they pass. But that brings up the question, “Can you have more than one life insurance policy?” The answer is yes, but there are some things you should understand before you buy more than one insurance policy.
- [How To Pay for a Funeral With a Life Insurance Policy](https://funeraladvantage.com/consumer-resources/how-to-pay-for-a-funeral-with-a-life-insurance-policy/): One of the reasons people take out life insurance policies is to ensure that their loved ones don’t have to worry about paying for their funeral. And as funeral and burial prices continue to go up, life insurance policies to cover the costs are becoming essential.
- [Whole Life Insurance Cash Value: How to Determine It](https://funeraladvantage.com/consumer-resources/how-do-i-determine-my-final-expense-whole-life-insurance-cash-value/): Whole life insurance cash value is the portion of a permanent life insurance policy that can accumulate over time as you pay premiums. Unlike term life insurance, whole life insurance can build cash value that you may be able to access while the policy is active.
- [Can You Borrow Against Life Insurance?](https://funeraladvantage.com/consumer-resources/can-you-borrow-against-life-insurance/): Borrowing against a life insurance policy is a great way to get the cash you need without having to jump through a lot of hoops. But if you’re thinking about borrowing against your life insurance policy, there are some things you should know about how the process works. For instance, if you’re asking, “Can I borrow against term life insurance?” the answer is no. But if you’re asking, “Can I borrow against a whole life policy?” the answer is probably yes.
- [Burial Insurance With No Waiting Period: FAQs](https://funeraladvantage.com/consumer-resources/burial-insurance-with-no-waiting-period-faqs/): When you purchase guaranteed issue burial life insurance, you will have to wait 2 to 3 years before your beneficiaries will be eligible to receive a payout when you pass. States dictate how long waiting periods are, so yours will depend on the state where you reside.
- [Can I Get Life Insurance on My Partner?](https://funeraladvantage.com/consumer-resources/can-i-get-life-insurance-on-my-partner/): When you first hear the question, “Can I get life insurance on my partner?” you may wonder why someone would want life insurance for partners. The truth is today’s social climate makes it a necessity for some.
- [Borrowing Against Whole Life Insurance](https://funeraladvantage.com/consumer-resources/borrowing-against-whole-life-insurance/): Are you looking for information about borrowing against a whole-life policy? After all, you’ve spent years paying premiums and building that cash value, right? It’s only natural that, after building up your cash value, you want to know: “Can you borrow against a whole life insurance policy?”
- [Final Expense and Burial Insurance in Nevada](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-nevada/): In 2021, the national median cost of a funeral with a burial was $9,420, including the price of a vault. The cost of cremation was $6,971. The figures come from a study conducted by the National Funeral Directors Association (NFDA). While funeral costs are not matching inflation rates, they are nonetheless increasing. Over the last five years, the price for a funeral with burial has risen by 6.6%, while the price for a funeral with cremation has risen by 11.3%.
- [Final Expense and Burial Insurance in Oklahoma](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-oklahoma/): The price of funerals is going up. In fact, the price of a funeral with a burial has risen by 6.6% in the past five years. The price of a funeral with cremation has risen by 11.3%. In 2021, the median price of a funeral with a burial, including a vault, was $9,420. The average cost of cremation that same year was $6,971, according to the National Funeral Directors Association.
- [Final Expense and Burial Insurance in Mississippi](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-mississippi/): In 2021, the national median cost of a funeral with a burial was $9,420, including the price of a vault. The cost of cremation was $6,971. The figures come from a study conducted by the National Funeral Directors Association (NFDA). While funeral costs are not matching inflation rates, they are nonetheless increasing: Over the last five years, the price for a funeral with burial has risen by 6.6%, while the price for a funeral with cremation has risen by 11.3%.
- [Final Expense and Burial Insurance in West Virginia](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-west-virginia/): In 2021, the national median cost of a funeral with a burial was $9,420, including the price of a vault. The cost of cremation was $6,971. The figures come from a study conducted by the National Funeral Directors Association (NFDA). While funeral costs are not matching inflation rates, they are nonetheless increasing: Over the last five years, the price for a funeral with burial has risen by 6.6%, while the price for a funeral with cremation has risen by 11.3%.
- [Final Expense and Burial Insurance in Arkansas](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-arkansas/): In 2021, the national median cost of a funeral with a burial was $9,420, including the price of a vault. The cost of cremation was $6,971. The figures come from a study conducted by the National Funeral Directors Association (NFDA). While funeral costs are not matching inflation rates, they are nonetheless increasing: Over the last five years, the price for a funeral with burial has risen by 6.6%, while the price for a funeral with cremation has risen by 11.3%.
- [Final Expense and Burial Insurance in Delaware](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-delaware/): Every year, the National Funeral Directors Association conducts a study to determine the current cost of funerals as a national average and for each state. The latest study, which was conducted in 2021, shows that the median price of a funeral with burial and a vault is $9,420. The average cost of a funeral with cremation is $6,971. Overall, the cost of final expenses has risen by 6.6% over the past five years.
- [Final Expense and Burial Insurance in Hawaii](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-hawaii/): In 2021, you would have paid an average of $9,420 for a funeral with a burial or $6,971 for a funeral with a cremation. Those figures, representing a 6.6% increase in the cost of funerals in the past five years, come from a survey conducted regularly by the National Association of Funeral Directors.
- [Final Expense and Burial Insurance in Montana](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-montana/): In the past five years, the price of final expenses has risen by 6.6%. In 2021, the median price of a funeral with burial and a vault was $9,420, and the median price of a funeral with cremation was $6,971. This is according to data compiled by the National Funeral Directors Association.
- [Final Expense and Burial Insurance in Oregon](https://funeraladvantage.com/consumer-resources/final-expense-and-burial-insurance-in-oregon/): In 2021, the national median cost of a funeral with a burial was $9,420, including the price of a vault. The cost of cremation was $6,971. The figures come from a study conducted by the National Funeral Directors Association (NFDA). While funeral costs are not matching inflation rates, they are nonetheless increasing: Over the last five years, the price for a funeral with burial has risen by 6.6%, while the price for a funeral with cremation has risen by 11.3%.
- [Life Insurance Tips](https://funeraladvantage.com/consumer-resources/life-insurance-tips/): Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
- [State Specific Example](https://funeraladvantage.com/consumer-resources/state-specific-example/): Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
- [What Is Insurable Interest in Life Insurance?](https://funeraladvantage.com/consumer-resources/what-is-insurable-interest-in-life-insurance/): Insurable interest is a term used by life insurance companies to define who is eligible to take out a life insurance policy on another person. Here is how the government answers the question, “What is insurable interest?”

## Pages
- [TIB APP](https://funeraladvantage.com/tib-app/): Terminal Illness Benefit Disclosure
- [Customer Service](https://funeraladvantage.com/customer-service/): Policy owners with Lincoln Heritage can manage or register their policy here. By registering, you can view your policy online, make payments and digitally sign service forms.
- [Portal de Pólizas](https://funeraladvantage.com/portal-de-polizas/): Inicie sesión en Lincoln Heritage para continuar a su Portal de Póliza
- [Policyholder Portal](https://funeraladvantage.com/policyholder-portal/): Login to Lincoln Heritage to continue toYour Policy Portal
- [Home Office Careers](https://funeraladvantage.com/home-office-careers/)
- [Gracias](https://funeraladvantage.com/gracias/): Su decisión de comenzar a planificar hoy puede marcar toda la diferencia para quienes ama en el futuro.
- [Thank you](https://funeraladvantage.com/thank-you/): Your decision to begin planning today can make all the difference to those you love later on.
- [Success](https://funeraladvantage.com/success/): We received your request for more information about the Funeral Advantage program- the #1 Final Expense program in the nation.
- [Reviews](https://funeraladvantage.com/reviews/): Lincoln Heritage Funeral Advantage is a one-stop final expense solution for seniors and their families. There’s no medical exam to qualify - just answer a few health questions on our one-page application. We offer up to $35,000 cash to your loved ones to help with funeral costs and other final arrangements such as medical expenses and any unpaid bills. All approved claims are paid in 24 hours, ensuring your family has the money they need as soon as possible.
- [Determine Your Coverage Needs](https://funeraladvantage.com/determine-your-coverage-needs/): Determine Your Coverage Needs
- [Let’s Plan Together](https://funeraladvantage.com/lets-plan-together/): Let's Plan Together
- [Program Details B](https://funeraladvantage.com/program-details-b/): Get state-specific facts on funeral costs, funeral planning, and more by filling out the form below.
- [Program Details](https://funeraladvantage.com/program-details/): Funeral Advantage Program Saves Families Money
- [personal information promise](https://funeraladvantage.com/personal-information-promise/): We will not sell personal information to third parties.We will collect only information necessary or relevant to our business.We will use only legitimate means to collect information.We will only make personal information available:
- [lincoln heritage lawsuit](https://funeraladvantage.com/lincoln-heritage-lawsuit/): As the leading final expense company in the nation, we’re no stranger to negativity. When you’ve been in business as long as we have, it comes with the territory. While lawsuits do happen, we believe in doing things the right way and we pride ourselves on keeping our promises. In some cases, a dissatisfied customer or field agent feels the need to threaten legal action hoping we’ll agree to their terms. While we always regret someone feels the need to take such action, we are always prepared to defend our reputation to protect the millions of families that trust us with their final expense planning.
- [final expense insurance jobs](https://funeraladvantage.com/final-expense-insurance-jobs/): We are the Leading Final Expense Company specializing in Whole Life Insurance & Funeral Assistance Services.
- [Thanks for Participating](https://funeraladvantage.com/thanks-for-participating/): My Final Wishes OrganizerThis step-by-step Final Wishes Organizer will help make many difficult end-of-life decisions easier and un-complicated.
- [Recruiting thanks zip](https://funeraladvantage.com/recruiting-thanks-zip/): Thank you for your interest in Lincoln Heritage and the Funeral Advantage program — the leading final expense plan in the nation.
- [recruiting thanks](https://funeraladvantage.com/recruiting-thanks/): Thank you for your interest in Lincoln Heritage and the Funeral Advantage program — the leading final expense plan in the nation.
- [How to make changes](https://funeraladvantage.com/how-to-make-changes/): Print and complete the appropriate form below and return it to our office by fax, mail, or email.
- [Home Office](https://funeraladvantage.com/home-office/): Strategically placing the right person in the right place creates a strong foundation that has kept us the leading final expense company in America. Our home office team stands out as being one of the best in the industry because we encourage and reward individuals for utilizing their natural talents and gifts.
- [Funeral Cost Information](https://funeraladvantage.com/funeral-cost-information/): Families save an average of $1,800 on funerals because we understand the Iowa funeral industry and the various costs involved.
- [File a Claim](https://funeraladvantage.com/file-a-claim/): MAIL to: Lincoln Heritage Life Insurance Company, PO Box 29045, Phoenix, AZ 85038FAX to: (602) 808-8845E-MAIL to: claims@londen-insurance.com
- [Feedback](https://funeraladvantage.com/feedback/): Lincoln Heritage Life Insurance Company® is constantly striving to deliver the best possible service to our policyholders, their families, and our trusted field agents.
- [Facebook Scam Alert](https://funeraladvantage.com/facebook-scam-alert/): Please think twice.  Don’t become a victim.  If in doubt, please call us at 1-800-433-8181.
- [Cremation Cost Information](https://funeraladvantage.com/cremation-cost-information/): Get state-specific facts on funeral costs, funeral planning, and more by filling out the form below.
- [Browser Support Policy](https://funeraladvantage.com/browser-support-policy/): Microsoft Edge: https://www.microsoft.com/en-us/edgeGoogle Chrome: https://www.google.com/chromeApple Safari: https://www.apple.com/support/mac-apps/safariMozilla Firefox: https://www.mozilla.org/en-us/firefox/new
- [Reinstate a Lapsed Policy](https://funeraladvantage.com/how-to-make-a-change/reinstate-a-lapsed-policy/): Not available in New York.
- [How to Make a Change](https://funeraladvantage.com/how-to-make-a-change/): Print and complete the appropriate form below and return it to our office by fax, mail, or email.
- [Elements](https://funeraladvantage.com/elements/): Fast Cash to Cover Final Expenses
- [Final Expense Insurance](https://funeraladvantage.com/final-expense-insurance/): Final expense insurance is a whole life policy that pays medical bills and funeral expenses when you die. It’s also known as burial or funeral insurance. It’s a popular choice among seniors.
- [Become an agent](https://funeraladvantage.com/become-an-agent/): 
Join the the millions of families who have placed their futures into our care.
- [Consumer Resources](https://funeraladvantage.com/consumer-resources/)
- [Privacy Policy](https://funeraladvantage.com/privacy-policy/): Revised 08-18-2025
- [About Lincoln Heritage’s Founders](https://funeraladvantage.com/about-lincoln-heritages-founders/): Jack Winston Londen will be remembered for his energy in business, his passions for politics, faith and philanthropy, as well as his steadfast friendship to so many.
- [Free Quote](https://funeraladvantage.com/get-a-free-quote/): Getting a quote is an excellent step towards securing your future end-of-life needs.
- [Agent Careers](https://funeraladvantage.com/agent-careers/): Call 888-713-6020 to begin.
- [Contact Us](https://funeraladvantage.com/contact-us/): You've got questions? Great! We've got the right people to help guide you. Click or call to be connected with one of our incredible teams here to assist you.
- [Services](https://funeraladvantage.com/services/): Whether you envision cremation, a traditional burial, or a celebration of life when you pass, your family will need funds set aside to cover the costs of those goods and services. Funeral Advantage offers up to $35,000 designed to cover end-of-life needs and any other final expenses that may remain.
- [FAQs](https://funeraladvantage.com/faqs/): Unlike many other life insurance plans, you do not need to worry about taking a medical exam to qualify – there are a few health questions within the application that help determine qualification.
- [About Us](https://funeraladvantage.com/about-us/): For over 60 years, Lincoln Heritage Life Insurance Company® has understood the importance of preparing for the end of life’s journey and the need to safeguard the ones who matter most to you. Our commitment to offering an affordable and comprehensive policy has helped us become the leader in the end of life insurance space, but we’ve made our name by standing behind our policyholders and helping guide them through the uncertainty that comes with death.
- [Home](https://funeraladvantage.com/): The end is a part of every journey. We make planning for it easier.