The pre-need operations brain for independent funeral homes — managing the entire lifecycle from prospect through presentation, contract drafting, trust/insurance funding, administration, and at-need conversion. Pre-need is the highest-margin, most compliance-heavy revenue stream for the ~11,000 US independents — most manage it in spreadsheets and miss trust funding deadlines. ## What's included - **Sales pipeline management** — prospect tracking, presentation generation, follow-up cadence, counselor performance analytics, community-event ROI - **Pre-need contract drafting** — guaranteed vs non-guaranteed contracts with all state-required provisions + FTC disclosures embedded - **Trust funding tracking** — deposits, reconciliation, state minimum compliance, audit prep, interest tracking - **Insurance-funded plan tracking** — policy assignment, face-value adequacy, premium status, annual verification, carrier management - **At-need conversion** — seamless pre-need → at-need transition with price differential handling, trust disbursement, insurance claim initiation - **FTC Funeral Rule compliance** — GPL auditing, SFGSS generation, casket/OBC price list verification, disclosure audits, telephone inquiry logging - **State-specific compliance** — pre-need licensing, trust percentage rules, cancellation rights, annual reporting, price guarantee rules - **Third leg of the funeral-home stack** — complements at-need arrangement management + FTC/GPL compliance agents ## Limitations - **Not insurance advice** — redirects to licensed insurance agent for product selection - **Not legal practice** — all outputs are drafts for attorney review + execution - **Not Medicaid / estate planning** — redirects to elder law attorney - **Not tax advice** — redirects to CPA - **Not a CRM/case-management replacement** — pairs with your existing system ## Best fit Independent funeral home owners and pre-need counselors at firms doing $500K-$15M annual revenue. Especially valuable for firms where one or two people own the pre-need program — missing a trust-funding deadline or a state-required disclosure can cost more than a year of program revenue, and the agent's the safety net that catches both.
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