There is something in Washington State called the People's Memorial Association. My parents there both were signed up and they prepaid their cremation and all of the stuff ahead of time. I think we were out of pocket only a couple hundred dollars for some of the legal documents involved. They offered to write the obituary - I worked for a newspaper writing obituaries, and have seen the crap ones funeral homes write. You'd think they'd be better at it. Anyway, I don't think they do out-of-state folks (never did) but if I end up back up there, I'll sign up. Plan prices for members. This doesn't cover a funeral, and no one in our family has wanted or had a funeral in decades. We rent the local hall in a park nearby and do a huge friends and family potluck "celebration of life" with time for people to speak. It works for us. (When dad died it was all of that plus a song circle.)