The funds are held by an licensed escrow agent that is licensed in your state. It is a combination of Irrevocable funeral trust and the strength of an 110 year old insurance company. There is no cost for the Trust!
Your final expense trust can be transferred or directed to any other funeral home of your choice. In town, out of town, out of state. It's portable. It goes with you. You own it, and you have control of these funds.