Pre-Need vs. At-Need vs. Pre-Arranged - What Do These Terms Actually Mean?

If you’ve done even a little research into funeral planning, you’ve probably seen the terms pre-need, at-need, and pre-arranged used interchangeably. They sound similar, but they don’t mean the same thing - and the differences matter.

Let’s break them down in plain language.

At-Need Planning

At-Need planning happens after a death has occurred. Families must make decisions quickly, often under emotional and financial pressure. Costs are based on today’s prices, and choices may be rushed.

Pre-Arranged (But Not Funded)

Pre-Arranging means you’ve discussed or documented your wishes, but no funding is in place. While this helps guide your family, it doesn’t protect against rising costs or financial burden.

Pre-Need Planning

Pre-Need planning means both arranging and funding your funeral in advance. This may involve a trust, insurance, or a combination of options.

Pre-Need Planning Allows You To:

• Lock-in or hedge against rising costs

• Choose services at your own pace

• Reduce emotional and financial stress for loved ones

• Create a legally documented plan

Think of it this way: pre-arranging is helpful, but pre-need planning is complete.

There’s no “right” choice for everyone - but understanding the differences helps you make an informed choice.