My father recently passed away. It has been stressful and expensive trying to deal with all the details. This lead me to start thinking about a prepaid plan for myself. I read all the reviews/ complaints here and still ended up buying a the full Neptune package incl. the shipping anywhere in the world. I attended the meeting with the rep and she answered every question I had. I feel confident with my purchase. I agree with what some others have said, there are going to be complaints, especially when Neptune has cut into the other guys profits! I can’t bear the thought of leaving these details and costs to my children. They’ll have enough to worry about. Neptune has an online memorial site, as a member I’ll be able to leave messages, upload audio/video and I can begin building in just a few weeks. I think it’s a great idea. If anything changes, I’ll post here.