Prearrange your service
Your money is kept in the community at UMB
The Speaks Trust-funded Preneed Plan has been in place since the 1970s. Your money is held in trust for you at UMB bank, right here in the Kansas City area. Most people consider it important to know that their funds are not sent off to some out-of-state corporate office. It is administered locally, right here in the community. And our Preneed Trust is regulated and audited by the State of Missouri on a regular basis, as well as by the bank auditors.
Not an insurance product, so you save money
With an insurance-funded preneed plan, you pay for the so-called “cost of insurance.” That means that if you had an $8,000 funeral plan you might pay the insurance company an additional amount, perhaps up to $4,000 in some cases, to “insure” you. So your plan might actually cost you a total of around $12,000, if you use the typical insurance product to fund your service. With Speaks, you use a Trust-funded preneed plan and there is no “cost of insurance” that ends up in the pocket of the insurance company.
No health questions, so anyone can qualify
Our preneed plans do not require you to answer any awkward health questions. We don’t ask if you have been diagnosed, if you are sick, or if you have any major health conditions. Instead, our preneed plan is open and available to anyone that wants to put a plan in place. We find that having this easy qualification process makes it easier for you and your family.
Flexible payments on your preneed plan
We are able to adjust your monthly payment amount to fit your budget. An insurance company won’t do that. You can pay in one lump sum, make 12 monthly payments, 36 months, 60 months, or even 120 months….or any number in between. By doing it this way, your plan can be affordable and work within your existing financial situation.
We offer a money-back guarantee. If you move out of state, need to provide financial assistance to a relative, or just decide that you want your money back for any reason, we will cut you a check. In full. An insurance company will never provide a total refund. With our Preneed Plan, you can rest assured that if something happens and you need a refund, you will not be penalized.