It’s easy to get caught up in the chaos and routine of daily life and daily expenses. We budget to pay off home loans, pay for our children’s school fees, repairs to household appliances – but what about the lives of our loved ones after we are no longer in their lives. Apart from trying to maintain all that you’ve built for your family, they would now have to make serious financial considerations concerning your funeral. Grief often seems more complicated than the solemn ceremony of a sincere send-off, but that doesn’t mean that planning a funeral is a simple thing either. There are many reasons why a funeral cover policy can provide relief to your family and the sooner you enter into one such policy, the greater the funds they will be able to access upon your death. Consider our breakdown of the costs of the essential elements of a funeral and decide for yourself whether your family could benefit from a funeral insurance policy.
Basic Funeral Cost Breakdown
Service fees for the funeral director and staff
There is a list of basic service fees that are part and parcel of interacting with funeral parlours. In other words, these are must-pay fees. These compulsive basic service fees include services that are common to al funerals. These fees do not include religious and culture practices. Basic funeral services would include things like planning the funeral events, securing necessary permits and copies of death certificates, preparing notices, sheltering the remains, and coordinating the arrangements with the cemetery or other third parties.
Further services and merchandise
As mentioned earlier, any religious or cultural elements to a funeral would result in extra charges for the family of the deceased. Apart from those, however, the funeral parlour may also charge for further services like the transportation of the body, use of the funeral home for viewings, the memorial service, use of equipment or staff for graveside services, use of a hearse, the casket, and cremation or internment of the body.
Some products and services require payment in advance. You may either have to buy these products and services yourself or pay a little extra to your funeral home to purchase them on your behalf. These can include flower arrangements, obituary notices, pallbearers, officiating clergy, and musicians. If you’re paying for these additional services through your funeral home, be aware that, according to the Funeral Rule, the funeral home must disclose in writing that they may charge an extra fee, although this doesn’t mean they must reveal the exact amount of their mark-up. The Funeral Rule also states that funeral provider must inform you of any refunds, discounts or rebates from the supplier on any of these cash items.
Protecting Family Finances From Funeral Expenses
As you can see, a funeral is no small – or cheap – business. Between the basic funeral arrangements and further (but still necessary) services as well as the overwhelming burden of grief, there is a lot for a family to grapple with during an already trying time. And this is why having the right funeral insurance cover to your name can save you and your family a lot of stress, a lot of grief, and a lot of family finances. The mission of Get Insurance is in the name – we look for the best funeral insurance for your budget. Apply for funeral cover quotes today!