You need to get your facts straight before printing misleading info. Preneed money is protected by the state boards of the state ( similar to FDIC for banks) A fee is charged for this reserve (filing fee). How are the bank deposits going to take care of inflation with the interest they pay. National have little space available. State cemetery will furnish plots and markers, the family will need to provide the liners. Get the FACTS FIRST then make an informed decision.