Funeral Planning should be your decision prior to your death.

Society has come a long way with talking and sharing thoughts on many subjects, but death, funerals, and funeral planning is still not a common discussion topic! It is part of the circle of life and you should have a say in the end (pun intended).

As I mentioned in my post on giving up driving, there are many topics of conversation with your parents that are difficult to discuss, but, in my opinion, death and funerals are number one on the list! Let’s make it a little easier for all.

Planning a funeral: What, how, and why?

Funeral homes offer many wonderful services, not only to the deceased, but family and friends as well. I recently met with a friend who works in the funeral industry to gain some knowledge on funeral planning.

First, it is good to know that funeral homes are regulated by the FTC on their pricing structure. The two main aspects they profit from are the service charge and the casket or urn.

Secondly, did you know that pre-paying for funeral costs could be an investment and future income for your family or benefactor(s)?

I had no idea! When you meet with a pre-planning specialist, you will go over all available services. (Be careful, there are some funeral homes that offer “package deals” with add-ons you may not need causing a higher cost.)

Once you make a decision on your funeral plan you can pay the full amount up front or through a payment plan. Some funeral homes will invest your payment, and whatever profit is made from the investment is then given to your benefactor(s) after your death.

Finding the right funeral home can be overwhelming.

I strongly urge you to shop around and get pricing before sitting down to write your wishes and that check. Funeralocity is a great resource that lists funeral homes in your area, along with detailed information regarding costs and reviews. The site also contains other frequently asked questions, and questions you might not even think of to ask!

Are you aware that there is an extensive process, so that all are your wishes are met?

No detail is left undone when planning with a specialist. Pre-arranging your funeral is done by creating a “file” at the funeral home of your choice. Once completed it is filed away until your death, and cannot be altered by others- your wishes are binding! Your personal file contains everything from family history and current life statistics, to funeral service details, obituary notices, estate planning guidance, and grief counseling for loved ones.

If anything, planning your own funeral prior to your death takes the weight off of loved ones’ shoulders.

Please consider you, your family, friends, attorney, financial advisor, what have you in making this decision while you are healthy. Not knowing what your wishes are makes it difficult for someone else, especially during the grieving process. In fact, do it with a friend or adult child, and then go out for a celebratory lunch or dinner! It does not have to be daunting.

“…in this world, nothing is certain, except for death and taxes”.

Benjamin Franklin

When my father passed away, my older brothers were given the task of picking out his casket, thank goodness; I would have been an emotional mess trying to make such a decision. Since then, my mother has already written her obituary, knows where she is going to be buried, has her estate plan, and has made it clear that she wants a celebration at the end of her funeral! (Got it mom!)

Now it is my turn to start writing down my wishes… Have you begun the process?