PORTABILITY
Your Pre-Need Accounts Should Move With You, Not Lock You In
Your assets are held in fully portable, individually custodied accounts, keeping you in control of your future without exit fees, waiting periods, or institutional lock-ins.
PNA was built to put funeral homes back in control, rather than locking them into legacy structures designed around institutional interests. With discrete Schwab accounts, your pre-need assets are portable so if your needs change, your accounts move with you.
Change is certain
Portability = Freedom
Without portability, the institution, not your funeral home, holds the control. A lack of choice limits your ability to make the right decision when circumstances change.
Many insurance-based products rely on irrevocable life insurance. That permanence primarily protects the institution’s position and can eliminate the funeral home’s ability to change providers, even if credited rates decline significantly over time.
Legacy structures may include exit waiting periods that limit flexibility. PNA does not impose exit waiting periods, keeping control with the funeral home.
Exit penalties, termination fees, and attorney-fee provisions in some arrangements can make it more costly to transition to a new provider. PNA does not charge exit fees, keeping flexibility with the funeral home.
Portability in practice
Portability Creates Flexibility. Flexibility = Control
FAQ
Learn More About PNA Portability
Simply notify the independent trustee that you wish to designate a substitute trustee. PNA handles all transition logistics from there. There are no exit fees, no minimum contract periods, and no waiting periods. The process is designed to be straightforward because we believe portability is a right, not a privilege.
No. Portability occurs at the account level and is invisible to pre-need customers. Their contracts remain intact and their funds remain protected throughout any transition. Families are not affected by a change in trustee or platform.
Pre-need life insurance contracts are generally irrevocable and non-transferable under the issuing carrier’s contractual terms and applicable state regulations. Once a policy is in force, the carrier controls the terms and the funds. That structure limits the funeral home’s flexibility to make changes. PNA was built around the opposite principle: every account is fully portable from day one, giving funeral homes the freedom to make the right decision as circumstances change.