THE PNA DIFFERENCE
Portability, Transparency & True Independence
A pre-need system built entirely around funeral homes with independent fiduciaries, transparent custody, institutional investment management with a focus on inflation, and a unified platform that keeps contracts portable.
Traditional models—life insurance, pooled trusts, bank CDs, and bundled marketing programs—were built for institutional convenience, not for funeral home success.
Funeral homes are left with:
- Limited, to no, portability
- Little account-level transparency
- Limited, to no, technology for onboarding, reporting, and at-need conversions
- Poor alignment with inflation and rising at-need costs
PNA changes that and restructures pre-need around independence, transparency, and mobility so funeral homes aren’t trapped in a product, but supported by a fiduciary framework and unified platform.
Comparisons
How Common Pre-Need Funding Options Limit Funeral Homes
The policy is the insurer’s asset and is typically irrevocable. Crediting rates are set by the carrier who keeps much of the investment spread.
Assets are commingled, limiting transparency into underlying investments. Withdrawals are often subject to preset windows, with governance and oversight varying by sponsor.
Low yields that can lag inflation, limited flexibility due to auto-renewal and withdrawal restrictions, and customer IRS W-4 requirements that complicate portability.
Carry many of the same limitations as life-insurance funding, with restricted carrier options and limited visibility into how the marketer’s arrangement with the insurer is structured, leaving funeral homes exposed to potential at-need shortfalls.
Putting funeral homes first
Transparency, Portability, and Efficiency
A framework built to support their long-term success.
Combining institutional oversight, integrated technology, and modern marketing into a single platform to strengthen every part of a funeral home’s pre-need program.
Partner With Us
Built Different. By Design.
Let’s rethink your pre-need together.
Most pre-need platforms ask you to trust them. PNA gives you a reason to. Independent oversight, separate custody, and institutional investment management. Not because we have to, but because your families deserve nothing less.
FAQ
Learn More About PNA
For decades, funeral homes managed pre-need through disconnected systems: one process for contracts, another for trust deposits, another for compliance, another for reporting. PNA built an integrated platform because those fragments can create errors, delays, and blind spots. By connecting documentation, fiduciary oversight, account reporting, and at-need settlement in one place, funeral homes get a complete picture of their pre-need program without the administrative burden that comes with stitching together multiple providers. This structure supports better decision-making and reduces the operational effort that has historically burdened funeral homes.
Many pre-need programs are administered by local banks or insurance companies who handle investments, paperwork, and client relationships without a formal fiduciary structure. PNA took a different approach. We engaged dedicated institutional professionals to serve as trustee and investment manager, each operating within defined fiduciary obligations and regulatory frameworks. The trustee has sole authority to authorize all account activity and fund disbursements. The investment manager oversees portfolios under trustee-approved investment policies. PNA itself has no custody of or access to client funds at any point. That structure brings a level of institutional discipline and accountability that most pre-need programs simply do not have.
Without real-time reporting, funeral homes cannot see how individual accounts are performing relative to their inflation benchmarks, or how transactions flow through the trust. PNA’s platform creates a shared view for all parties involved: trustee, custodian, investment manager, PNA, and the funeral home. Everyone sees the same data. That level of visibility helps funeral homes make informed decisions and reduces the uncertainty that has historically made pre-need difficult to manage.
Most pre-need arrangements bundle investment management, custody, and administration under one provider. That structure limits accountability and gives funeral homes little visibility into how their money is actually working. PNA separates those functions across independent institutions, each with a distinct role and responsibility. No single party controls everything, and PNA itself never has custody of client funds at any point.