How Do You Pre-pay For A Funeral?

As members of the New Jersey State Funeral Directors Association, we exclusively use Funeral Planning Choices for the families we serve.

When preplanning a funeral it is equally important to consider prepaying the funeral expenses that you select. Prearranging and prepaying does not guarantee a specific price. Funeral prices are never fixed in time, the prevailing prices on the current General Price List in effect at the time of death determine the cost of the funeral services provided. Prepayment of the total amount of the funeral expenses selected gains interest, compounded monthly, that accumulates with the beginning balance in an effort to assure that the total funeral will be paid at the time of death.

Since 1981, Funeral Planning CHOICES has provided funeral funding mechanisms that meet all federal and state consumer protection laws. They are an innovator in the preneed funding field and a steadfast proponent of 100% trusting and portability laws to protect consumers to the fullest.

Funeral Planning CHOICES consists of the New Jersey Prepaid Funeral Trust Fund and Sure Trust. Roughly 50,000 people have their funerals prepaid with deposits in the New Jersey Prepaid Funeral Trust Fund and an additional 1,400 have assigned their insurance policies through Sure Trust.

Prepaying is especially important when qualifying for SSI / Medicaid eligibility. Irrevocable trust accounts and irrevocably assigned insurance policies are exempt assets when determining eligibility for SSI / Medicaid purposes. The case worker will encourage you to prearrange and prepay the funeral you wish, using their assets, as part of the spend down process. An irrevocable trust account or irrevocably assigned, fully paid, insurance policy or policies will accomplish this for you.

Our professional, specially trained, staff will gladly assist and council you through the prearrangement and prepayment process.


Walter J. Johnson Funeral Home • 803 Raritan Road • Clark, New Jersey 07066 • 732-382-6262 •
Sullivan Funeral Home • 146 East Second Avenue • Roselle, New Jersey 07203 • 908-241-2345 •

Steven N. Perlmutter
Matthew S. Perlmutter
Funeral Director, Manager, NJ Lic. No. 3539  
Funeral Director, NJ Lic. No. 4785 
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