How to Choose the Right Funeral Package for Your Loved One

Losing a loved one is never easy, and planning a funeral can be overwhelming. One of the most important decisions you’ll make is choosing the right funeral package. Funeral packages can vary widely, and each type caters to different preferences and needs. Here are some tips to help you choose the right funeral package for your loved one:

  1. Determine Your Budget

Funeral costs can add up quickly, so it’s important to determine your budget before choosing a funeral package. The cheapest package offered by most funeral homes is that of a direct or burial, making it the right choice for those under financial duress. However, if you are seeking something more memorable, you can opt for a premium package instead. Keep in mind that the cost of a funeral package can vary depending on the services included.

  1. Consider Your Loved One’s Wishes

It’s important to consider your loved one’s wishes when choosing a funeral package. Did they express a preference for burial or cremation? Did they want a traditional funeral or something more unique? Take their wishes into account when choosing a funeral package.

  1. Understand the Types of Funeral Packages

There are several types of funeral packages to choose from, including:

  • Direct Cremation Package: This is usually the most affordable option among all funeral package options, and costs around $1,000 on average. It includes basic crematory services, but does not include embalming.
  • Cremation Package: Some funeral homes provide multiple package options depending on what services you would like to avail. For example, the most affordable cremation package after the direct cremation package would probably include a basic crematory service which could be witnessed by close friends and family. On the other hand, a higher priced package would also include a private viewing and a rental casket, and transport from the funeral home to the crematory of your choice. These packages can cost you upwards of $2,500 and $3,000 respectively.
  • Traditional Burial Package: This package includes a traditional funeral service, embalming, and burial. It can cost upwards of $10,000 depending on the services included.
  • Eco-Friendly Package: This package includes environmentally friendly options such as a biodegradable casket or urn, and can cost anywhere from $1,000 to $5,000.
  1. Understand Prepaid Funeral Plans

Prepaid funeral plans can be a good option for those who want to plan ahead and ensure that their funeral expenses are covered. Funeral Planning CHOICES is one such plan that provides a safe, well-managed trust earning competitive interest rates. Without Funeral Planning CHOICES, most funeral directors would have to deposit prepayments into individual trust accounts and manage each account separately. With Funeral Planning CHOICES, your funds are pooled with thousands of other accounts in secure, jumbo certificates of deposit to earn the highest possible rate of return. Interest earned over time can help offset any future price increases in funeral home prices. One hundred percent of the principal and interest accrues to the benefit of the intended funeral recipient, minus a management fee of 1 percent.

  1. Shop Around

It’s important to shop around and compare funeral packages from different funeral homes. Funeral costs can vary widely, so it’s important to get quotes from several funeral homes to compare costs. You can also ask for a general price list, which is required by law, to help you compare costs.

  1. Ask Questions

Don’t be afraid to ask questions when choosing a funeral package. Funeral directors are there to help you make informed decisions, and they can provide guidance on the different types of funeral packages available. Some questions you may want to ask include:

  • What services are included in the funeral package?
  • What is the total cost of the funeral package?
  • Are there any additional fees or charges?
  • What payment options are available?
  • Can I customize the funeral package to meet my needs?

Choosing the right funeral package for your loved one can be a difficult decision, but it’s an important one. By considering your budget, your loved one’s wishes, and the different types of funeral packages available, you can make an informed decision that honors your loved one’s memory.