When you pre-plan a funeral through a funeral trust, you can set money aside in a trust that is regulated by the State of Utah. Prices of goods and services are guaranteed to protect against inflation. Typically a funeral trust costs less than funeral insurance. Oftentimes a minimal down payment (10% of the goods and services) can be paid upfront with the balance paid over 3-5 years. If done properly in an irrevocable trust, the money can be protected against nursing home costs and is an exempt assets when qualifying for Medicaid. Call our office for a recommendation of a pre-need funeral planning agent.