Contact Us

Our Network

Find a Funeral Home

Pre-planning your final wishes provides peace of mind for you and your loved ones. At Kinship, we partner with over 100 funeral homes across Canada to offer compassionate and professional pre-planning services.

Why Pre-Plan with a Funeral Home?

Protect your loved ones from unexpected costs by locking in today’s prices with secure, regulated funding and flexible payment options that that provide reassurance and security.

Rest easy knowing you’ve documented your wishes clearly and thoughtfully, ensuring your family experiences no added stress or confusion while making the choices that matter most.

Your family isn’t generic, and your final wishes shouldn’t be either. We help people avoid generic send offs, and plan services ahead that are personally meaningful and powerfully resonant with their friends, family and loved ones.

Frequently Asked Questions

Why should I connect my final expense policy to a specific funeral home?

Connecting your final expense policy with a funeral home through a pre-planned arrangement ensures your final wishes are clearly documented and can be carried out exactly as you envisioned. This thoughtful step relieves your loved ones of the stress of making difficult decisions during a time of grief. It also guarantees the funeral home receives the funds directly and promptly, so your family won't have to pay for services out-of-pocket and wait for reimbursement.

Can I name a funeral home as the beneficiary of my final expense policy?

Yes, you can. By assigning the benefits of your policy to a funeral home, you ensure the death benefit is paid directly to them to cover the costs of your pre-arranged final wishes. This legally directs the funds to be used as you intended. With preneed insurance, this "assignment of benefits" takes precedence, but it may also allow for any excess funds to be returned to a secondary beneficiary you have named, such as a family member.

What if I have a pre-existing health condition?

Many final expense insurance providers we partner with offer "Guaranteed Issue" plans. These policies are designed to provide coverage without requiring a medical exam or detailed health questions, making them a practical and accessible solution for individuals who may not qualify for other types of life insurance due to age or health.

What happens if the funeral home I choose goes out of business?

Funding your final arrangements with an insurance policy is one of the safest ways to pre-plan. The policy is in your name and is a secure asset that you own and control. If your chosen funeral establishment were to close, the full value of your investment is safe. You have the flexibility to simply reassign your policy to another funeral home using an Assignment of Benefits form, or you can leave the policy unassigned to be paid out to your beneficiary at the time of need.

How does a final expense policy help with rising funeral costs?

When you formalize your pre-planned arrangements with a funeral home and fund them with a final expense policy, you can secure the costs of goods and services at today's prices. This agreement with the funeral provider protects your family from the financial impact of inflation. The insurance policy is designed to grow over time to ensure that your pre-planned wishes will be fully funded, no matter when they are needed. If the growth of the policy does not meet the rise in funeral prices, then you are still fully covered.

What if I move to a different city or province?

The peace of mind from your pre-planned arrangement travels with you. If you relocate, your policy can be easily reassigned to a new funeral home in your new community. With a network of over 100 funeral home partners across Canada, we can help facilitate a smooth transition to ensure your wishes are honoured, wherever you call home.

What happens if there are funds left over from my policy after all final expenses have been paid?

Any remaining funds from the policy's death benefit will be paid to the beneficiary you have designated. When you set up your policy, you can name a person, multiple people, or your estate as the beneficiary to receive any excess proceeds after the funeral establishment's costs have been covered.

Find a Funeral Home

New Brunswick

Newfoundland

Nova Scotia

Ontario

Get Started