My husband (age 55) is disabled. I currently have a term life insurance policy on him where I work for a nominal cost. We will be retiring to Florida within the year and that policy ends when I retire and with him being disabled I will not be able to get him affordable life insurance coverage. I am considering starting a pre-paid funeral fund to use instead. What are the advantages and disadvantages of such a fund? Or would it be better to just put money into a savings account every month and transfer it to a prepaid funeral fund at a later date?