Planning ahead doesn’t have to mean buying the most expensive policy or making decisions in a rush. It means asking clear questions, understanding what your options actually cover, and making sure your loved ones won’t be left guessing — or burdened — later on.

A good agent will help you:

• Understand the difference between term, whole life, and pre-need plans
• Review beneficiary designations and payout timelines
• Clarify what’s covered (and what isn’t) in your existing policy

We recommend working with someone who explains things simply, honors your budget and values, and is transparent about fees and exclusions.