Occasionally, the annuity, life insurance policy, bank trust or other investment is more than enough to pay for the cost of your funeral.
If funding your contract through an annuity or life insurance policy, the excess would go to the beneficiary named in the annuity or life insurance policy.
If funding through a trust, the excess will usually go to your estate.
Some state laws specify who is entitled to excess funds which are not used for your funeral. You should ask about these, and make sure that the preneed funeral contract states who is entitled to any excess.