About Homesteaders Funding

“Why do funeral homes choose Homesteaders?”
Funeral home owners and managers look for secure funding products, affordable payment options, and superior customer service. Today more than 3,000 funeral homes across America trust Homesteaders to provide what they need to keep an important promise to you -- that your prearrangement funds will be there when you need them.

"Why Prearrange?
Take it from our policy owners. Many prearranged following the death of someone close, which, they say, is among the worst times to plan a funeral. More than 90 percent say they wanted to relieve their survivors of the emotional burden and financial responsibility. And 96 percent are "very" to "completely" satisfied with their decision to prearrange. Please click here for a free document that might help you decide advance funeral planning is the right choice for you, too.

“Why fund with an insurance product?”
Homesteaders provides funding products that can grow over time, offering protection against inflation. Unlike other funding plans such as a bank trust, growth on Homesteaders policies is not taxable. Plus, you enjoy payment options that are flexible to meet your financial needs.

“But I already have insurance!”
Homesteaders’ products are designed specifically to cover the cost of a prearranged funeral. It can grow in death benefit for the rest of your life. The growth paid on your policy offers protection against inflation and, in most cases, surviving family members will not have to pay additional money for your funeral. Typical life insurance is excellent protection to cover your family’s living expenses after you die. An advance funeral plan funded with Homesteaders leaves your life insurance proceeds intact, to be used as intended.

“What if I move?”
Your Homesteaders policy is fully transferable. Although prices for funeral services and merchandise may vary between funeral homes, your coverage can continue to grow to offset inflation regardless of where you live.

“How secure is my plan?”
We are a mutual company that invests in a conservative manner to maintain long-term financial security. Our portfolio includes investments such as U.S. government securities, bonds, and mortgages. Our financial management practices have resulted in Homesteaders receiving a “Secure” rating from A.M. Best Company. Please click here to view our current Financial Assurance document.

"I am interested in prearranging and pre-funding my funeral. How do I do this?"
Homesteaders works with thousands of funeral homes across the country. The owners, managers and pre-need associates are uniquely qualified to guide you through this important process. You've made a great decision -- one for which your family will be grateful! Please click the Funeral Home Locator on our Home page or call Customer Service at 800-477-3633 to find a Homesteaders-affiliated funeral home near you.

Homesteaders’ leadership remains firm in its commitment to the long-term security of our policyowners, the funeral homes that place their trust in us, and our employees. It is the way we have done business for over a century.