pre-arrangement

pre-arrangement
   American
   the payment for a funeral before death
   Funeral jargon for selling burials and their trappings to the living, especially those who are morbid or lonely. Also as pre-need:
    The cemetery industry has found an answer to high cost through pre-arrangement. (J. Mitford, 1963)
    A 'pre-need memorial estate'; in other words, a grave for future occupancy, (ibid.)

How not to say what you mean: A dictionary of euphemisms. . 2014.

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