A pre-need plan is an arrangement with a funeral home that lets you secure services at today’s prices.
Whether you prefer a simple cremation or a more detailed traditional service, you can plan everything in advance. Simple planning today can ease the burden on your loved ones tomorrow.
Choose from a range of services—from simple cremation to traditional funeral arrangements—based on your personal wishes and cultural or family preferences.
Pre-need plans can be paid in a lump sum or through affordable monthly payments over 3, 5, or 10 years, making planning ahead more manageable.
Planning ahead may help protect against rising funeral and cremation costs by securing today’s prices through participating local funeral homes.
Planning ahead doesn’t have to be complicated. Here’s how pre-need plans typically work, step by step.
Select the type of service that fits your wishes — from simple cremation to a traditional funeral — through participating local funeral homes.
Choose a payment option that works for you, including a one-time payment or affordable monthly plans over 3, 5, or 10 years.
Your plan is arranged in advance and held safely until needed, helping protect against rising costs and giving your family peace of mind.
A Traditional Funeral Service includes viewing, funeral ceremony, transportation, professional services, coordination with clergy and cemetery burial. Pre-need plans lock in these services at today’s prices and relieve your family from making emotional and financial decisions later.
A Traditional Service has two main components, the funeral home services and the cemetery plot
A Traditional With Cremation Service offers families the full experience of a traditional funeral — including a viewing, ceremony, and family gathering — followed by cremation instead of burial.
It allows friends and relatives to come together, honor a loved one, and share memories in a meaningful and familiar way, while still choosing cremation as the final disposition.
Allows a respectful viewing
A Cremation With Memorial Service is a meaningful way for family and friends to gather, honor, and celebrate a loved one’s life — without the need for a viewing or rental casket. The cremation occurs first, and the memorial service is held afterward with the urn present.
This option provides the emotional comfort of a ceremony while keeping costs more affordable than a traditional cremation with viewing.
Direct Cremation is the simplest and most economical option for families choosing cremation. It includes the essential services needed for cremation without a viewing, ceremony, or memorial at the funeral home.
Families can choose to hold a private gathering later at home, at a church, or at a meaningful place.
A Traditional Ship-Out Service (also called “International Forwarding of Remains”) is a specialized service for families who wish to return their loved one to their home country for burial — including Mexico, Central America, and South America.
Many families choose this option to honor cultural traditions and ensure their loved one is laid to rest close to home.
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Bonanza Insurance Services is an independent insurance agency. We work with multiple top-rated mortuaries all across California. Quotes provided are for informational purposes only and are not a contract, binder, or guarantee of service We respect your privacy and will never sell your personal information.
Serving families across California including Los Angeles, San Bernardino, Riverside, Orange County, Kern County, Fresno, Sacramento, and surrounding areas.
A pre-need plan is an agreement made in advance with a funeral home that allows you to plan and pay for funeral or cremation services ahead of time, often at today’s prices.
Pre-need plans may include cremation or burial services, memorial or viewing arrangements, transportation, use of facilities, and other selected funeral services depending on the provider.
Yes. Many pre-need plans offer flexible payment options, including one-time payments or affordable monthly plans over 3, 5, or even 10 years.
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Some pre-need plans are transferable or refundable, while others are tied to a specific funeral home. It’s important to review portability options before enrolling.
No. A pre-need plan is arranged directly with a funeral home for specific services. Funeral or final expense insurance provides a cash benefit that can be used more flexibly.
Funds are typically held in a trust or insurance-backed arrangement regulated by state law until the services are needed.
Many plans allow you to specify your preferences upfront, and some offer flexibility to adjust service choices over time depending on the agreement.
Availability depends on local funeral homes and providers. Plans may vary by location, services offered, and payment options.
No. Reviewing pre-need options is free and comes with no obligation. You can compare services and payment plans before making a decision.