When must the Declaration of Preneed Disclosure be presented?

• A. Prior to drafting only at-need contracts for funeral goods and services wherein a funded preneed agreement is on file at the funeral establishment
• B. Prior to drafting any at-need contract for funeral goods or services
• C. Prior to drafting only at-need contracts for funeral goods and services wherein an un-funded preneed agreement is on file at the funeral establishment
• D. Prior to drafting any preneed contract for funeral goods or services

Answer: (B)

The key idea is when the consumer must receive the Preneed Disclosure declaration in relation to at-need planning. It must be presented before the funeral director begins drafting any at-need contract for funeral goods or services. This timing ensures the consumer is informed about preneed rights and options before committing to the actual purchase that will be used at need, regardless of whether a funded or unfunded preneed agreement already exists on file. Presenting it only when a preneed agreement is on file would skip the moment of informed decision-making, and requiring it before any at-need contract is drafted aligns with giving the consumer essential information at the point of entering into an at-need arrangement.