New Jersey Mortuary Science Practice Exam

What criteria must be met for a prepaid funeral agreement to be irrevocable?

1. The recipient must be under 18 years old

2. The recipient must be aged, blind, or disabled

3. There must be a designated beneficiary

4. A legal representative must be appointed

The correct answer is: The recipient must be aged, blind, or disabled

A prepaid funeral agreement becomes irrevocable when the conditions are specifically established by law to protect vulnerable populations, such as individuals who are aged, blind, or disabled. This protection ensures that those who may not be able to advocate for their interests due to their circumstances have their prepaid agreements secured and honored, preventing any changes or cancellations that could arise due to coercion or lack of understanding. This requirement serves an important purpose in the context of estate planning and financial security, ensuring that the arrangements made for funeral services cannot be easily undone, which is crucial for safeguarding the wishes of individuals who might be less capable of making such decisions later due to their health or situational vulnerabilities. Hence, this criterion is directly linked to safeguarding the interests of individuals in a vulnerable position. The other options, while they may pertain to different aspects of funeral agreements or the legal process, do not specifically address the irrevocability of prepaid funeral agreements and their purpose in protecting certain groups from potential exploitation.