What does a pre-need contract in funeral services allow an individual to do?

A pre-need contract in funeral services allows individuals to plan and pay for funeral services in advance. This type of contract gives individuals the opportunity to make specific arrangements regarding their funeral, such as selecting the type of services, the funeral home, and any other preferences they may have, all before the time of need arises.

By choosing to pre-plan and pre-pay, individuals can alleviate the burden on their loved ones during a difficult time, ensuring that their wishes are carried out as they envisioned. Additionally, pre-need contracts often lock in current prices for funeral services, which can shield individuals from potential inflation in costs in the future.

While the other options mention aspects related to funeral services, they do not accurately reflect the primary function of a pre-need contract. Planning a funeral after death occurs refers to after-the-fact arrangements, and receiving discounts or paying through insurance may not necessarily be covered under a pre-need contract, since the focus is primarily on advance planning and payment.