I am a former sales agent for the Trident Society in northern Calif. Unfortuneately, all of the allocations in this report are true. Trident, aka Neptune(they’re all the same company, just different names as a cover) Their charges for merchandice, ie, booklets, boxes, urns etc. are insanely priced to avoid the amount of money they must place in trust. Simply put, if you are required by law to place 75% of the sale of the service in trust, then you simply inflate that portion of the sale of the merchandise to 90% of the sale and then you only have to place 75% of the remaining 10% in to a trust account. In other words, if you pay $2500 for the total plan and $2250 for the merchandise, you must place only 10% of the remaining $250 or $25 into the trust account. That is the amount you would be refunded if you elected to cancel . My numbers are exaggerated to make the point clear, but I think you see the foolishness in the Neptune/Trident plans.