Benefits of Planning Ahead

When is an appropriate time to plan your funeral? Any time, but not at the time of the funeral. Planning a funeral ahead will be a wise choice for yourself and for your loved ones. Learn how to make it easy in the steps below…

If your desires are unknown when you pass on, family members could be confronted with settling on troublesome choices at a challenging time. Will they know whether you wish to be buried or cremated? Will they concur on an open or shut coffin? Will they concede to the amount to spend? Disarray and differences are regular events when there is no arrangement to take after. Planning ahead gives a clear directive, as you wish.

Preparing empowers you to make money-related game plans to take care of your burial service costs. Will your survivors be burdened financially? Planning ahead is a sound monetary arrangement you can consider early.

A burial service is an important occasion for a grieving family. Mentally, it gives a feeling of conclusion and empowers the family to start the recuperating process. Planning ahead shows you’re honoring the lives of you´re family and friends with a fitting function that is already planned by you on their behalf. It is hard to make the funeral the best it can be when planning it in a brief period.

Your funeral plan will convey your preferences. You may prefer burial or cremation, the commemoration on your gravestone, or the music and readings at your memorial service. Or, on the other hand you may not want a funeral ceremony. Whatever your desires, they should be put forward in your funeral plan.

Dealing with your burial service is thoughtful and caring thing to do for your family. It is comforting to realize that you have done whatever you can do to ease their burden. Also, you can be guaranteed that they will appreciate that you’re caring for them and continued after you are gone.


How Pamana Works

Everyone Qualifies

Plans begin at birth all the way up to age 85.

No Medical Exam Required

Because we are NOT insurance, we will not ask you any health or medically-related questions or physical tests. The only information required in determining your quote for your desired plan will be your age and gender.

2-Yr Qualifying Period

During the first 2 years of the benefit issue date, the participant will not be covered. If the participant passes away during the qualifying period only 50% of contributions paid will be refunded. We cannot deny any claim for death occurring more than two (2) years after the date of issue of this benefit during the lifetime of the covered participant unless contributions were not paid or death occurs due to illegal or terrorist activities.


We pay your chosen funeral home, cemetery or mortuary shipping company directly. If any left-over funds remain from the full face value of your benefit coverage, we will direct those funds to the participant’s legal and/or probate fees, unpaid medical expenses and/or outstanding debts, as you direct us.

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Contact your certified PAMANA Associate!