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Purchasing Funeral Services, Things to Know

5 Things to Note before Purchasing Funeral Services

Planning a funeral service is an intricate process that is made even more challenging by the mental stress that accompanies the death of a loved one. Thanks to funeral homes, survivors can mourn in peace while funeral directors handle most of the funeral preparations. Pre-planning funeral can also help to decrease the burden for survivors. Whether or not you choose to make funeral plans with a funeral home, there are a few things that you should know to help you make more informed decisions:

1. Embalming is not mandatory

Funeral homes offer a variety of services that contribute to the high total cost of a funeral, including embalming. However, embalming is neither mandatory nor necessary, except in special situations, such as those involving a body viewing, or moving the body over a long distance for burial. Embalming is mostly used when the family requests an open casket for viewing, in order to slow down the natural decomposition process. For families that prefer to cremate, the body can be stored in a dignified manner with proper refrigeration until it is time for cremation.

2. Funeral packages are flexible

Funeral homes provide an invaluable service to families, but you don’t have to pay for a fixed package. Typical packages comprise the costs of taking care of the body, transport, hiring escorts, and preparing funeral programs, mandated fees for death certificates and permits, and other charges. To make it more convenient for families, these items are usually bundled together into packages that make it hard to isolate the cost of each item. If you feel that some of the items in a package can be handled by the family, like placing the obituary or buying a casket/urn, or that you need other items to be included (like in a personalised burial ceremony), you can request a tailor-made package so you only pay for what you want.

3. Spending more money on Funerals does not necessarily equate to more love

Some families feel the need to spend a lot of money to have a funeral, as a way to demonstrate their love for the deceased loved one. Funeral packages are designed to meet the financial needs of nearly all families, so the funeral can cost as much or as little as you want without feeling pressured to reach a certain target. To avoid emotional spending, it is important that you decide the services you need, and those you don’t, before approaching the funeral home.

4. Insurance many not be sufficient

Life insurance and any other final expense insurance typically provide a single lump sum benefit after death has occurred. However, the funds may be consumed by a serious accident or long-term illness. Even when there were no complications to a death, insurance cover cannot be relied upon to meet any immediate needs, and pursuing insurance benefits can be complicated at a time of loss and grief. In addition, insurance policies do not take inflation into consideration, so the amount offered may not fully address the costs. In some cases, your funeral provider can combine the benefits of insurance with a guaranteed cremation or funeral service and price, so the survivors can use the life insurance for themselves.

Finally, always do your homework. Like any other major item you purchase, be it a car, holiday, or wedding, you need to conduct thorough research and decide what you want, and how much you are willing to pay for it. Don’t be afraid to ask about the costs.

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