How to Plan a Funeral Quickly
There are times when planning a funeral is something that needs to happen quickly and with a minimal hassle. Whether you are dealing with a busy schedule of your own, you have family coming in from out of town and can’t commit to a lengthy funeral planning process, or you simply cannot handle the idea of lingering over the details, there are ways to cut back on the time required—and to still enjoy a beautiful, memorable goodbye. (more…)
Burial Planning Series Part 1 of 3
Funeral insurance, burial insurance, final expense insurance, preneed funeral insurance—these terms are often used interchangeably to talk about the same thing. With any of these types of insurance, money is paid out to a beneficiary to cover part or all of your funeral costs, including everything from traditional burial to cremation.
Unlike other types of insurance, which are designed around a “what-if” scenario (what if I crash my car, what if I need to go to the doctor, what if my home catches on fire), burial insurance is a guaranteed pay out. As long as you keep current on your premiums or pay the amount required up front, this money will be available upon your eventual death. (more…)
Funeral planning is never an easy task, especially since it’s something few people are trained for (and because it’s something you hopefully don’t have to practice very often). Being caught unaware of the correct protocol is one of the easiest ways to overpay or get taken advantage of, which is why it’s a good idea to become familiar with the biggest funeral planning pitfalls ahead of time. (more…)
Spring is a time of renewal and rebirth, when the melting snow gives way to new life and people start reorganizing their closets for the warm season to come. Financial experts also suggest you use this time to consider pulling out your estate and funeral planning to ensure that everything is in order and up-to-date.
Where to Start?
When we talk about making advance estate and funeral plans, we mean much more than putting money in a 401(k) or taking out a life insurance policy. While both these things are great first steps, they don’t encompass the breadth of options available to you as you organize your end-of-life plans. (more…)
Funeral pre-plans, preplanning a funeral, pre-need cremation…there are so many different terms out there related to the funeral planning industry it can be hard to keep track. Although many of the phrases are used interchangeably, there may be subtle differences that provide different financial and personal options. (more…)
In all the hassle of planning funerals and choosing caskets and selecting the perfect spray of sympathy flowers to demonstrate your loss, it’s not uncommon for families to lose sight of the bigger picture of death. A funeral, no matter how or when or why it occurs, is your final chance to say goodbye, and the most important thing is that your focus remains on the deceased. If your goal is to get rid of the elaborate trappings of death and put your attention where it matters most, a simple funeral might be right for you.
Basic Funeral Options
Direct Cremation/Direct Burial: The fastest and easiest way to plan a simple funeral is to opt for direct burial or direct cremation. These options, which take care of the body without a ceremony or any elaborate details, are low in cost and provide much the same results as a more elaborate ceremony—you either end up with a box of ashes or a place to visit the deceased in a cemetery. It’s merely the process of getting there that is pared down.
When making funeral plans for a loved one, around 60 percent of families who opt for burial choose metal caskets. These sleek-looking designs are hailed as the best choice if you are hoping to preserve the integrity of the casket for as long as possible. Although your loved one’s remains will decay no matter what, the metal caskets will stay intact for hundreds of years.
Of course, “metal” is an all-encompassing term, and you have several types of caskets to choose from. Here’s a brief overview of what you can expect.
When it comes to funeral planning, some people prefer to have everything taken care of ahead of time. In addition to setting aside money for a funeral, this includes choosing things like caskets and headstones ahead of time. And if you really don’t want to leave anything to chance, you can also write your own obituary.
After all, no one can sum up your life quite as well as you can. Awards and achievements—those things that look good on paper—might make for a nice newspaper article, but they rarely capture who you are as a person and what kind of message you want to leave behind. If writing your own obituary and placing it with your estate plans is something that appeals to you, here’s how you can best go about it. (more…)
One of the easiest ways to pre-pay for a funeral is to buy burial insurance (also known as funeral insurance). Instead of picking out details like caskets or cemeteries now, you simply set aside a lump sum that is payable out to your beneficiary upon your death. They can then use the money to fund your funeral in a way that fits with your wishes and their grieving needs.
Because burial insurance is a “guaranteed” payout (unlike car insurance, which will only pay out in the event of an accident, everyone will eventually die and collect on their burial policy), most of the costs are fixed. Your policy provider will take into account your age, your desired method of payment, and how large your payout is. From there, you will choose a policy that fits with your needs. This means that while one person (say, a 50-year-old in good health) might pay a fairly small monthly charge, another person (someone in their 70s who is a smoker) can expect larger monthly fees and even big upfront costs.
If the idea of calling funeral homes and meeting with estate planners to make advance funeral arrangements isn’t one you cherish, you may be able to find online options to save you time and money. Although unheard of just a few years ago, online funeral planning is now a viable option that allows you to plan and even pay for your funeral from the comfort of your own home.
How Online Funeral Planning Works
There are two ways you can pre-plan a funeral online. The first option requires nothing more from you than to make decisions regarding your wishes. For example, you can:
Print out a funeral planning worksheet, which you can then fill out regarding your specific wishes.
Find a funeral planning app or other online option that allows you to make decisions and email your answers to family members.
Coordinate funeral pre-plan options with a specific funeral home, which will use the information provided to contact you at a later date.
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