Insurance plans are for a defined amount. They do no protect against rising costs. If you stop the premiums, you lose the whole policy. Once fully paid, our plans guarantee all funeral director costs no matter how far into the future they're required. In addition, a lump sum set aside as a contribution towards third party costs over which we have no control. In summary, your money grows, and when the time comes we receive the payment, including growth, to provide the services you selected.