The cost of funerals are rising year by year. Many funeral homes will not tell you that you can have a perfectly good funeral service for half their typical costs. Unfortunately and for obvious reasons, most people are not in the 'save money' frame of mind when they visit a funeral home. If you have ever had to make arrangements for a loved one, you understand.
Many funeral homes may try to sell you on a traditional service running in the neighborhood of $10k-$15k. If your loved one did not have insurance nor preplanned for his or her passing, a close family member will be left with the bill not to mention copping with a devastating loss.
What can you do? Shop around. I know this may sound odd but it's a prudent approach to the future state for the person left paying the bills. Typically, the person left paying the bills is not in a proper state of mind to shop around nor has the desire to do so. Preplaning can go a long way in this area but many do not want to think of the their own demise for obvious reasons.
Funeral insurance is another possibility. Insurance plans vary depending on the provider but most will cover any costs directly related to your funeral. Where can you purchase funeral insurance? Check with your local insurance agent or local funeral homes. You should insure your funeral for at least $7k. Keep in mind that many policies will accure interest which will help to combat inflation. Be sure to check the fine print.
If you do not have insurance nor any immediate funds to pay for a funeral, consider contacting your local county officials. Some counties offer compensated services if you qualify. In addition, consider all the avenues such as the local coronor, Social Security, Goodwill and the Salvation Army. If the person was a veteran, consider checking for the local VA for assistance.
If you want to benefit science, you may consider the Anatomy Gifts Registry (AGR). The AGR is a non-profit whole body donation program and provides a no-cost alternative to traditional funeral services. Visit their site for more information - www.anatomicgift.com.
As funerals become more and more expensive, consider shopping online to save costs. The Casket Place has assisted many individuals in time of need. We created our services to specifically combat the high cost of traditional services. The Casket Place offers deeply discounted caskets and urns to fit your budget.
We found the following article a good source of information as well:
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