Prearranged and prepaid cremation plans can be a great thing.  However, some of the people who are offering these plans are simply commissioned insurance salespeople.  They know a little about the funeral business, alot about the insurance business, and the result can be a salesjob on the consumer that benefits no one except the insurance company and the person who receives the commission.  The specific problem comes in when the salesperson offers travel protection.  This is typically an additional benefit for an additional premium paid by the consumer.  It is presented as an offer that if the person dies while more than a certain number of miles (usually 250 miles) from their home address at the time of death.  This benefit covers the cost of shipping a body back home if the death occurs beyond this established mileage point.  The smart question is:  Who would ever arrange to have a body shipped back home only for cremation?  Possible, but highly unlikely.  I have been serving a high cremation clientele for 32 years and have never seen this done.  Arranging to have the cremation performed right away and the ashes shipped back home for under $65 is what your family will probably opt for.  These travel protection plans usually cost around $300 and it is simply $300 wasted.  For burial plans it makes some sense, but if you are pitched this product for a cremation plan, you might as well question anything else you are being told.  With the gaining popularity of cremation, even arranging for a cremation arrangement in a rural area of the country is getting easy to do, and will only get even easier in the future.  Don't let an insurance company, posing as a legitimate funeral professional, sell you travel protection on a cremation plan. I expect alot of people in the insurance business to vote this article as "not helpful" so don't let that concern you.  Be smart enough to decide for yourself if these thoughts make sense to you.  Good luck.  I love to help consumers.  If you have taken the time to read this guide, please take one more second to participate in the helpfullness vote below.  I would appreciate it very much.