After losing a loved one, grief isn’t the only stressor we have to deal with. Unfortunately, there are a lot of expenses and a lot of planning that go along with it. One of the many questions we've heard being in the funeral industry is, “Why are funerals so expensive?” We’re here to explain a few of the biggest reasons we face and how some of those expenses can be mitigated.
Use a Funeral Home
If you’re tasked with planning the arrangements on behalf of a loved one, utilizing the expertise and services provided through funeral homes will simplify the time spent planning. Your funeral director will be there as a point of contact so you are not overwhelmed by all of those involved, like clergy, doctors, attorneys, and florists. Investing in a funeral service covers more than the day itself. A funeral home is a 24-hour, labor-intensive business, with extensive facilities (viewing rooms, chapels, limousines, hearses, etc.), which must be factored into the cost of a funeral.
Funeral Home Fees
A majority of the expense is typically in the funeral home professional fees and merchandise for the funeral or memorial itself. Below is a list of a few funeral home costs that incur when a loved one passes:
Outside Funeral Costs
In addition to funeral home costs, planning for outside funeral home charges is also important. These are usually items needed to be paid for in advance and the price is normally incurred by the funeral home on your behalf. These outside costs may include:
Don’t Rush
The loss of a loved one is a vulnerable time for the family of the deceased, and it can seem like making decisions needs to be quick and efficient. In the haste of making the process less taxing, those organizing the funeral may agree to the first price they are given. Remind yourself that loss is not an emergency.
Coordinate with your funeral director as to what you need and what you don't. You may choose only the items you desire. If legal or other requirements mean you must buy any items you did not specifically ask for, your funeral director will explain the reason in writing on the statement they provide describing the funeral goods and services you selected.
Pre-Plan
Preplanning a funeral can help offset the costs, as it allows you to consider options, set aside or divert funds to services, and ensure that your loved ones do not need to worry about the cost.
You taking action in preplanning is partly in making your wishes known; however, most families who do this also choose to pre-fund their funeral. Doing so will relieve the financial burden on your family and offer peace of mind to you. Your funeral director may offer a guarantee of professional fees and merchandise costs when pre-planning. This preplan offer may help mitigate the costs of a funeral in the long run.
Not everyone likes to plan ahead, but pre-planning your funeral arrangements not only gives you peace of mind about your final wishes being honored but alleviates some of the stress and burden your loved ones are going through as they experience the grief associated with the loss.
The staff of Roupp Funeral Home is happy to assist you with your funeral pre-needs by helping you make decisions about your funeral service in advance and guiding you in helping eliminate some of the unnecessary stress brought on by a loved one’s death.
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