No. There is great benefit in pre-planning your funeral, even if you do not pay for it in advance, which is called "pre-funding." When you pre-plan, you can still make your wishes known to your loved ones, alleviating them from the burden of making tough decisions when the time comes. However, if you pay for ("pre-fund") your pre-planned funeral in advance, you can lock in today's prices for services and merchandise which may be more expensive in the future.