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She has $27,000 in the bank, 2 whole life insurance policy's totaling $7500 and 1 $15,000 universal life insurance policy that I just purchased for her 2 yrs ago. What should I use to pre pay the funeral?

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I'm not sure that it would matter in the end, but I'd use her savings. No matter where you take the money from, she won't qualify for Medicaid until her assets are spent down. This seems simplest to me, but you may want to talk with a Medicaid specialist.
Take care,
Carol
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donnan,

Here is an article written by our AgingCare.com editors that I thought might help you answer your funeral question:

Funeral Planning Pointers
https://www.agingcare.com/articles/funeral-planning-151788.htm

Best of Luck :)
Karie H.
AgingCare.com Team
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