EGP

Preneed Funding Analyzer

Equity Growth Partners

A guaranteed preneed contract is a bet that your trust grows faster than your price list. This tool prices that bet: contract by contract and across the whole book, so the unfunded liability shows up on your terms instead of a buyer's.

The Contract

What this arrangement would cost at today's General Price List.

On a guaranteed contract the firm absorbs any shortfall between the funding and the cost at need.

Funding Assumptions

Set by state law. Illinois and Michigan both require a high trusting percentage on guaranteed contracts. Verify your current statute.

The face amount growth rider on a preneed policy. Ignore if trust funded.

Your own GPL increases, not CPI. Most firms raise prices faster than general inflation.

Portfolio Exposure

This Contract at Need

Position at Maturity
$0
Funding at Need
$0
Cost at Need
$0
Breakeven Net Return
0.0%
to fully fund the contract
Net Return vs Inflation
0.0%
the number that decides it

Portfolio Exposure

Guaranteed Contracts
0
Aggregate Exposure
$0
at average maturity

Full Funding Analysis Pro

Unlock the year-by-year funding table to maturity, the return versus inflation sensitivity grid showing shortfall per contract across twenty-five scenarios, a prioritized action list, and a printable board and lender report.

Included with the EGP Funeral Professional plan.

Year by Year to Maturity

YearFunding ValueCost of ArrangementSurplus / (Shortfall)

Sensitivity: Net Return vs Cost Inflation

Shortfall per guaranteed contract at maturity. Green is funded, red is absorbed by the firm.

What to Do About It

We underwrite funeral homes for a living.

Equity Growth Partners owns and operates funeral homes and crematories, and acquires independent firms directly. If you are weighing a sale, a succession, or a partner, we are a direct buyer, not a broker.

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