Setting aside money to take care of any large expected expense is a smart thing to do, and a funeral is no different. The key is to understand how pre-paid funeral plans work. More and more people are pre-planning their funerals to save loved ones from the stress of having to do it during such an emotional time. And when you make your own arrangements, it can also save money because you can specify which type of service you want. Pre-paid funeral plans provide a way for people to pay for their funeral arrangements before they pass. It’s for people who want to spare their loved ones from having to make decisions and experience financial stress while grieving. But some experts say these types of plans may end up costing you more than you would pay for an average funeral after fees and other charges have been calculated.