Neptune Society vs. Legacy of Love: Which is Right for Your Final Wishes?

Key Differences in Services, Flexibility, and Funding Options

Key Takeaways

What is Neptune Society?
What is Legacy of Love funeral planning?
When might you choose each service?
Legacy of Love can protect your financial health.

A supportive funeral counselor meeting with a family to discuss portable funeral planning and burial insurance options through Legacy of Love. When it comes to making funeral pre-arrangements, the options can feel overwhelming. We are often asked how Legacy of Love compares to large-scale providers like the Neptune Society. While both aim to simplify end-of-life planning, they serve very different roles in the process.

This guide outlines the key differences in service, flexibility, and financial protection to help you make an informed choice.

What Is Neptune Society?

The Neptune Society is a U.S.-based service provider that specializes primarily in direct cremation. They are a "bricks-and-mortar" vendor, meaning they physically carry out the cremation and memorial services.

They specialize in:

Direct Cremations: Simple services without a prior viewing or traditional funeral.
Prepaid Plans: Locking in a price for their specific cremation services in advance.
Logistical Support: Handling the physical remains, paperwork, and scattering services.

In short: Neptune Society is an end-of-life vendor. While they offer simplicity, you are generally "locked in" to their specific facilities and services. They are generally known for being lower-cost than traditional funeral homes that offer full burial services. It’s important to note that while some local branches are accredited, Neptune Society’s national profile currently shows they are not BBB-accredited.

What is Legacy of Love Funeral Planning?

Legacy of Love is a nationwide, independent funeral planning service that also offers options to fund your funeral plan. Legacy of Love is not a funeral home or crematorium. We act as an independent advocate for the family, helping you coordinate with any provider you choose—whether you want a traditional burial, direct cremation, or a green funeral.

Legacy of Love specializes in:

Portability & Flexibility: Our plans aren't tied to one building. You can use your plan at any funeral home in the country.
Pre-Funding Excellence: We offer burial insurance and pre-need insurance options that grow over time to fight inflation, with benefits paid to your family, not a vendor.
Medicaid Spend-Down: Expert guidance on protecting your assets with pre-paid trusts or irrevocable funeral trusts while qualifying for assistance.
Concierge Advocacy: At-need support to manage logistics and ensure your family isn't overcharged or pressured during their time of grief.
Travel Protection: Logistics and full coverage if a death occurs more than 75 miles from home.

In short: Legacy of Love is your funeral planning and financial protection partner. We provide an A+ BBB-rated experience designed to give you total control over how and where your life is celebrated.

Protecting Your Legacy: The Medicaid Spend-Down Advantage

One of the most significant differences between a service provider and a funeral planning service involves financial eligibility for long-term care. If you or a loved one are applying for Medicaid, navigating "asset limits" is critical.

Legacy of Love specializes in these complex requirements through Irrevocable Funeral Trusts (IFTs):

Asset Exclusion: Unlike standard savings or some prepaid contracts, an IFT allows you to set aside funds that are typically considered "exempt" assets by Medicaid.
Family Protection: By "spending down" into a funeral trust, you preserve money specifically for final expenses rather than exhausting it on nursing home costs.
Total Portability: While vendor plans are often restricted to their own facilities, our trusts move with you. If you change your mind or relocate, your protection remains intact.

Legacy of Love focuses on the financial health of your estate, ensuring your final wishes are funded and your family’s future is secure.

Feature	Neptune Society	Legacy of Love
Service Type	Cremation Provider	Funeral Planning & Funeral Funding Service
Flexibility	Limited to Neptune facilities	Use at ANY funeral home
Burial Options	Primarily Cremation	Cremation, Burial, Green Burial, etc.
Funding	Prepaid Service Contract	Portable Burial / Pre-need Insurance
BBB Rating	Not Accredited (National)	A+ Accredited
Family Advocacy	Internal Sales Staff	Independent Concierge-Like Advocate

When You Might Choose Each Vendor

Choose Neptune Society if:

You are certain you only want a simple, direct cremation. You are comfortable being restricted to a specific service provider's locations.
You prefer a "one-and-done" purchase with a physical crematorium.

Choose Legacy of Love if:

You want the freedom to choose ANY funeral home or change your mind later.
You want to ensure your family has a professional advocate to handle the "business side" of the funeral.
You need financial strategies like Medicaid spend-down or inflation-protected insurance.
You want a comprehensive plan that covers travel, logistics, and legal documentation in one place.

Plan with Flexibility, Not Restrictions

Don't get locked into a single provider. Discover how our A+ Rated, concierge-like planning service gives your family total freedom and financial protection.

Request Your Free Consultation

Final Thoughts

If you’re unsure which option is right for you, speaking with a funeral planning professional like Scott Asselin for FREE can help clarify your choices before a crisis occurs. Scott Asselin from Legacy of Love is here to educate, guide, and advocate so that you and your family can feel prepared, protected, and at peace.

Start your free funeral plan now, call Scott Asselin at 540-597-5715 or fill out our online form and we'll reach out to guide you through this process.

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