Many "funeral plans" that are described as insurance aren't actually insurance in the strictest sense (you can't, technically speaking, insure against a 100% certainty), they're pre-payment plans. This is why their marketing blurb usually highlights *No Medical Required* among the exciting Unique Selling Points. Look for one of those, but add up the money and go through the fine print VERY carefully to make sure that what is being offered really is good value and really will pay out when the time comes.
You can get a trust for an imminent / or non-insurable ailment. It's not complicated as it may sound. In our state it's a one page document the funeral home completes. That combined with the funeral goods and services form from the funeral home constitutes the contract. At least that's the way it is in my state.
Contact the funeral home you are planning to use. Let them know you would like to plan for their expenses. When you call, you need to let them know it's imminent, as that may make a difference with who they will have you meet with.
Definitely talk to the funeral director. He/She may agree to take installments to cover the costs. Find out the costs for every single part of the funeral and explore cheaper ways. For example you may be able to rent a fancy coffin for the viewing but have the burial at a later date privately with something much cheaper. If you agree with cremation consider that and just display the urn at the visitation. Donating to science is another option. that needs to be prearranged but there could be costs associated with transporting the body. Many instutions will take care of the transportation at no cost. When the institution has done all they wish they usually cremate and return the ashes to the family. At that time you could have aservice of remembrance if you choose. My FIL was cremated and the ashes stored by the funeral home till MIL died then he was also placed in her grave.
You can get a trust for an imminent / or non-insurable ailment. It's not complicated as it may sound. In our state it's a one page document the funeral home completes. That combined with the funeral goods and services form from the funeral home constitutes the contract. At least that's the way it is in my state.
Contact the funeral home you are planning to use. Let them know you would like to plan for their expenses. When you call, you need to let them know it's imminent, as that may make a difference with who they will have you meet with.
My FIL was cremated and the ashes stored by the funeral home till MIL died then he was also placed in her grave.