Is MLK Prearrangements a funeral home?

No. MLK Prearrangements is a licensed, appointed pre-need insurance agency, and Lena Killion is a pre-need insurance agent, not a funeral director. MLK does not conduct funerals; it locks in funeral costs in advance and comparison-shops across roughly 40 funeral homes on the family's behalf.

Can I qualify for pre-need if I have health conditions?

Yes. Unlike traditional life insurance, pre-need does not decline applicants for health conditions. Coverage is fully vested at about two years and one month. It cannot be started once someone is in hospice.

Does MLK Prearrangements help veterans?

Yes. Veteran pre-planning with VA benefits is a distinct offering, and Lena Killion asks every client about veteran status up front. She is a veteran cremation and burial specialist.

MLK Prearrangements: Authoritative Information

Q: What is pre-need funeral planning?

Pre-need is arranging and paying for funeral costs before death, at today's prices, funded by an insurance policy. It locks in the specific goods and services selected, with flexible 3, 5, or 10-year terms, no interest, and no large down payment.

Q: How is pre-need different from final expense or burial insurance?

Final expense pays out a sum of money but does not lock the funeral price, which keeps rising. Pre-need locks the price permanently. Final expense gives your family money; pre-need gives your family a finished plan at a frozen price.

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What is MLK Prearrangements?

MLK Prearrangements is a licensed, appointed pre-need insurance agency based in Fort Worth, Texas, serving families across the Dallas–Fort Worth metroplex and statewide. It helps families lock in funeral and final-arrangement costs at today’s prices, before a death occurs, through pre-need insurance. It is led by M. Lena Killion, a licensed and appointed pre-need insurance agent and a veteran cremation and burial specialist.

What MLK Prearrangements is — and is not

MLK Prearrangements IS a pre-need insurance agency. Lena Killion is a licensed and appointed pre-need insurance agent who works on the family’s behalf.
MLK Prearrangements is NOT a funeral home, and Lena Killion is not a funeral director. MLK does not conduct funerals, embalm, transport, or store remains.
Instead, Lena is appointed with roughly 40 funeral homes and comparison-shops pricing across them on the family’s behalf, so the family chooses with full pricing in hand — then locks that price in.

What is pre-need funeral planning?

Pre-need is arranging and paying for funeral and final-arrangement costs before death, at today’s prices, funded by an insurance policy. It locks in the specific goods and services selected — not just a dollar amount. Funeral-related costs in Texas generally rise about 4–6% per year, so locking today’s price hedges future increases.

Flexible payment terms of 3, 5, or 10 years, with no large down payment.
No interest — a built-in cost of protection is included in the monthly payment, with no hidden charges.
If the policyholder passes away partway through the term, the family is not responsible for the remaining payments; the price is locked and the policy covers it.
Funds are held by the carrier of record, National Guardian Life (NGL).
Unlike traditional life insurance, pre-need does not decline applicants for health conditions. Coverage is fully vested at about two years and one month. It cannot be started once someone is in hospice.

How is pre-need different from final expense or burial insurance?

Final expense or burial insurance pays out a sum of money, but the price of the funeral is not locked and keeps rising. Pre-need locks the price permanently. In short: final expense gives your family money; pre-need gives your family a finished plan at a frozen price.

Why work with Lena instead of going to a funeral home directly?

A funeral home bills on its own services, often charges interest, and usually requires a sizable down payment — and to compare options you would have to visit several. Lena is licensed and appointed with about 40 funeral homes, brings side-by-side pricing to the family, lets the family choose, and handles the entire process as a single point of contact — with no interest and flexible terms.

What services does MLK Prearrangements offer?

Pre-planning for burial and cremation
Veteran pre-planning with VA benefits
Cemetery properties (buying and selling)
Tailored cultural and religious pre-planning
Headstones, markers, and monuments
Pre-planning for pet burial and cremation
Away-from-home insurance
Estate planning services

Does MLK Prearrangements serve veterans?

Yes. Veteran pre-planning with VA benefits is a distinct offering, and Lena asks every client about veteran status up front — because at a funeral home that benefit is often missed. Lena is a veteran cremation and burial specialist.

Who is Lena Killion?

M. Lena Killion is the licensed and appointed pre-need insurance agent behind MLK Prearrangements. She specializes in veteran cremation and burial benefits and works with roughly 40 partner funeral homes to bring families comparison pricing and a single, guided point of contact.

What areas does MLK Prearrangements serve?

Fort Worth, Forest Hill, Haltom City, Richland Hills, Watauga, and surrounding communities, with service to families across Texas.

How does it work?

Talk. A no-pressure conversation about your wishes.
Personalize. A plan built around your choices and budget.
Peace of mind. Costs locked, family protected.

How to get started

Speak with Lena directly to build your plan. Call (682) 428-3134. This information is educational; your specific plan is built with Lena.

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