I have not compared the two offerings technically, financially. But I will say this, having buried my own father and other family members: It will be a real gift to your family members if you already have thought through the details of your burial. I don't think that means you have to technically purchase the funeral in advance. But, taking the time to make the selections and provide the instructions, that would be a great thing to do for your family. I guess what I am saying is that even if you choose to just buy a life insurance policy to provide the liquidity to pay for final expenses, you should still take the time to shop for what you want, ahead of time, and provide that list of selections to someone. Or perhaps just slip them inside the front cover of your life insurance policy, if you choose to buy one. Good luck!