When individuals are confronted with the difficulty and pain of arranging a funeral for the first time, the reality of exactly how expensive funeral bills maybe can make it feel like the system is kicking you when you’re down, which is frequently the case. But with the help of a loving family, a little understanding of the areas where funeral bills tend to accumulate, and a little imagination, you may bring funeral expenses down to a much more reasonable amount. Here are 9 more ideas you can use to reduce your funeral expenses.
- 1. Avoid purchasing a funeral package
- 2. Organize the funeral service yourself
- 3. Don’t embalm the body
- 4. Make your hair and makeup arrangements
- 5. Prepare your musical compositions (optional)
- 6. Pick an open coffin rather than a closed one
- 7. Spread the ashes on the ground
- 8. Make your extras from scratch
- 9. If at all feasible, try to avoid probate
- What Are the Benefits of Having a Funeral Insurance Policy?
1. Avoid purchasing a funeral package
Many funeral houses provide pre-arranged ‘packages’ at predetermined fees. If you don’t have the mental stamina or family resources to organize your funeral, one method to save money is to customize your funeral arrangements rather than purchasing a pre-packaged funeral service, which typically includes items you may not find essential in the first place.
2. Organize the funeral service yourself
Although it is preferable, having the funeral in a ‘neutral’ place is not required. If you are planning a funeral for a close family member, why not have the service in your place of residence? Seating may be available for loan from a neighboring school or community hall. If you don’t want to host the funeral in your house, why not assemble the mourners in a public place instead?
3. Don’t embalm the body
Embalming is a complex and often costly operation, and if you’re able to conduct the funeral as soon as possible after the death, you may not need to go through with it at all. You may also decide to opt for a cremation service to avoid the costs associated with embalming as well. For more details, check Eternal Cremations .
4. Make your hair and makeup arrangements
The cost of ‘dressing up’ the departed is sometimes a significant portion of a person’s funeral costs.
5. Prepare your musical compositions (optional)
The cost of hiring a sound system may be included in your funeral fees with certain funeral homes. Asking any musically talented family member to perform at the funeral will help you save money.
6. Pick an open coffin rather than a closed one
An urban legend is spreading that a sealed coffin would keep the corpse in better condition longer. This is entirely false; sealed caskets add hundreds of dollars to your funeral bills while doing nothing to prevent the deterioration process. If you do not want to cremate the corpse, purchasing an open casket will at the very least allow you to save money.
7. Spread the ashes on the ground
It is a less expensive option if you want to spread a loved one’s ashes, but it does not have to be a second-rate one! The scattering of ashes may be included in the funeral service if the remains of your loved ones are cremated before the service.
8. Make your extras from scratch
You don’t have to forego the small things like thank-you cards, memorial cards, and decorations because you want to keep funeral costs down-just. Enlist the assistance of family and friends in creating these items for you.
9. If at all feasible, try to avoid probate
If you’ve been designated as the executor of a will, you’re undoubtedly feeling both honored and burdened at the same time. If the estate is valued at less than a particular amount, you may not need to go through the formal filing procedure for estate administration. The execution should make every attempt to choose this route since it may save you hundreds of dollars in legal bills in the long run.
What Are the Benefits of Having a Funeral Insurance Policy?
The majority of individuals believe that their loved ones will cover the expense of their funeral. Even though your loved ones will always want the best for you, funeral insurance coverage may go a long way toward assisting them in covering the costs of your burial expenditures after you pass away. Some individuals tend to depend on life insurance to cover their funeral costs. However, this has not always been the case since most funerals are paid for after death. Some may even be compensated for some time after the death. This makes it difficult for life insurance policies to have enough time to pay out their benefits. This is made considerably more complicated if there are complications that cause the process to take many months or even years.
As a result, having a funeral insurance policy is crucial as part of the funeral preparation process. This is because it gives a payment to your loved ones in the event of your death. This payment will be used only to cover your funeral costs, with no other purpose. A funeral insurance coverage might include a variety of different components. There are single-person insurance plans and family insurance plans; the savings offered vary based on the number of people covered under each plan. For example, specific funeral insurance plans provide reductions if more than one family member is a member of the policy’s membership group.
It is pretty important to make arrangements for your funeral in advance. As a result, the corporation will cover all of the costs associated with your funeral. A few examples of charges that the insurance company will reimburse include: floral arrangements, casket purchase, pay for the hearse, and other related costs. This lessens the likelihood that your family would face financial difficulties after your death. As part of the process of purchasing a funeral insurance policy, you will be able to communicate with the insurance provider about the style of coffin you choose to use as well as other items that will be necessary during your burial.
Many individuals opt for funeral insurance coverage to help their loved ones get through this difficult time as painlessly as possible. The coverage is quite reasonable and readily available to anybody who wants to purchase it. The premiums for funeral insurance coverage are calculated based on the current cost of a funeral service. Consequently, your family will not be forced to make any financial contributions when you die away. This gives them a sense of relief, which is crucial during such challenging times. If you have lived a decent life, it does not make sense to leave problems to those left behind as they attempt to raise finances to cover your burial costs after you pass away.
Your obligations under the insurance are minimal, and all that is expected of you is to make your premium payments on time. The foundation on which rates are calculated will differ from insurance company to insurance company. You have the option of paying premiums on a monthly, half-yearly, or annual basis. The application process is also not complicated. Some insurance firms provide clients with the opportunity to apply online, eliminating the need to interact with sales representatives or divulge personal information to someone you don’t know. If you decide to get a funeral insurance policy, you must obtain information on the insurance provider before signing the policy. Examining internet reviews can assist you in determining which insurance business is the most excellent fit for your funeral insurance requirements.