This looks to be more an issue of an unscrupulous and over zealous sales person, rather than the value of Neptune and it’s benefits and services. As far as what’s not included in the Neptune plan, it’s because they are a direct, no frills cremation service covering the important necessities, and now do offer an online memorial/obituary. If Neptune was so bad why is it that they have maintained such high ratings with the BBB, have been in business for over 40 years and have some very respectable affiliate organizations? Also, even though Neptune is now part of SCI, we are still a separate company and call our own shots. Much of what is stated by Lamar is based more on his opinion and experience, someone who is comfortable in dealing with this circumstance, However, most of us are NOT and would not know how to conduct ourselves in such a way as to not make emotional purchasing decisions at the time of need, often spending MUCH more than a pre need plan from Neptune.