Thinking about the inevitability of one’s death is a subject that few like to consider. For many, actually moving ahead with the pre-planning or pre-paying for their funeral is even more difficult to act on. When one begins to understand the financial and emotional pressure that a funeral can thrust on our loved ones, it becomes clear that planning in advance is a considerate and responsible thing to do.

Similar to the protection that life insurance provides for loved ones; planning a funeral in advance can protect loved ones from much more than just financial concerns. You have always been there to protect them throughout your life, why not after your death?

With the large number of options and considerations available to individuals today, it is important to speak with someone you can trust. 

We can guide you through the many options and considerations to help you determine the arrangements that best suit your needs.  We will help you find a balance between the emotional, spiritual and financial needs of your surviving loved ones after you have gone.

We also have a Certified Senior Advisor and Elder Law Attorney available to you and your family to assist with your Medicaid and Estate Planning.


The best time to begin making your pre-arrangements is now, while you’re thinking about it. While some people in their 40’s and 50’s may think it’s too early to pre-plan, people who do say that pre-arranging their funerals is smart financial planning and gives them added peace of mind knowing they are not leaving this burden to family members. By taking the time now to collect cost information and calmly making choices related to your own funeral arrangements, you’ll be protecting your family against the stress of having to make these decisions at a time of extreme emotional stress. This way you can carefully choose specific items you want and need, and pay for them now. 


Today, more individuals and families are making the decision to pre-arrange their funerals than ever before. Because of the factors such as inflation, and fewer extended family members living close by, planning your own funeral may be the right choice for you. In a recent survey, these were the most common reasons people gave for pre-arranging their own funerals:

  • Lets your wishes be known.
  • Reduces stress for friends and family at an already emotional time.
  • Saves money.
  • Offers peace of mind.
  • Allows you to pay for the funeral of your choice before assets are used up for medical care and before assets are reduced to SSI or Medicaid eligibility levels.  
  • Relieves your loved ones of the financial responsibility.


There are a growing number of options available to the public today when seeking to pre-plan and pre-pay their final wishes. We can tailor a plan that’s right for you. From single pay plans to automatic monthly bank withdrawals designed to meet anyone’s budget concerns, our staff would be pleased to outline the choices available. Pre-paying can protect you and your family from future inflationary trends while providing the piece of mind of knowing that they will be cared for after you are gone. We at Ludwick Funeral Homes and Cremation Care, Inc., represent National Guardian Life Insurance Company and SecurChoice Trust through the Pennsylvania Funeral Director’s Association, which we are proud members of.

Whatever your needs, Ludwick Funeral Homes and Cremation Care, Inc. is here to help you with planning your final wishes. If you would like to request an appointment to discuss our Advance Planning and/or Advance Funding Options, we would be pleased to have one of our funeral directors go over any additional questions you might have. Feel free to call us at 610-683-8111 today!