Final Wishes Covered Blog

Funeral Planning 101: What you need to know – and why it’s smart to get started.

January 3, 2020


Life is full of decisions – from small ones like what you have for breakfast in the morning to big ones like the person you marry. But there is one decision that, unless you make it in advance, someone else will have to make for you. It’s the type of funeral you’ll have.

The advanced funeral planning trend is growing. And many Americans like the comfort choosing how they’ll be remembered gives them. Plus, it can help ease family members’ worries in the days after a passing.

Are you thinking about planning your funeral in advance, but not sure how to get started? If that’s where you are, these tips can make it easier.

1. The best place to get started is right at home.

This might sound strange at first, but it really isn’t when you think about it. How many of life’s important conversations take place around your kitchen table? A lot of your life happens at home. Weddings are planned. Birthday cakes are cut. Milestones are celebrated. It’s also where you talk about budgets and taxes – things you tackle and handle within your family.

Planning your funeral is much the same. It’s a big choice – and a gift you can give your family, so that they don’t have to make those choices later. Before you start making appointments at local funeral homes, spend time thinking about what you want.

You may want to plan your services in detail. That means thinking about everything from small details like the type of flowers you would want to larger decisions – the people you might want to speak at the service or the songs you might want played.

If you think you want a non-traditional memorial, then start imaging what you would want that to be like. You may also want to decide if there is a charity or cause you want your friends and family to donate to in lieu of sending flowers.

Additionally, you’ll want to think about whether you would want to have a traditional burial (in a cemetery with a marker) or cremation with your ashes scattered in a special place.

Because these choices are deeply personal, you’ll want to reflect on them yourself first. Writing your thoughts down can help.

2. Choose a funeral home.

As odd as it may sound, shopping around for a funeral home is smart. You can compare prices (believe it or not, they can differ – even in the same city). And you research how they’re reviewed by families they have served in the past. That matters, too.

Call and talk to different funeral homes in your area. Schedule a time to visit them and discuss the type of services you would like. Then, weigh your options. You’ll know when you’ve found the right one.

3. Think about your final budget.

Now that you’ve thought about what you want, put your ideas in writing and chosen the right funeral home, it’s time to review your budget. By this point, you should also have a good idea of how much what you want will cost. You’ll also want to think about how you’ll pay for it.

The average funeral can cost $5,000 – or more depending on where you live. (Funeral costs can vary by state.) Setting aside at least $5,000 now may seem daunting if your budget is tight or you have other obligations. And even if you have life insurance, your family will likely need to pay funeral bills before that policy pays out.

This is where a final expense life insurance policy can help. These policies pay out quickly. They’re designed to help your family in the days after your passing – when they need it most. They can pay funeral and burial expenses or other bills that are due before another policy pays out.

You can learn more about how final expense life insurance coverage by visiting our FAQ page or our final expense insurance explained blog post.

4. Share what you want with the people you love.

It’s hard to talk about your last wishes with the people you love. But it’s also necessary. As you start the process of planning your funeral, you’ll want to let your spouse or other loved ones in on what you’re thinking.

Approach the conversation as gently as possible. Explain that you’re making funeral plans in advance so that your family won’t have to make these choices. Then talk with them about your wishes.

Your courage in broaching the topic in the first place might even spur others in your family to consider making their own plans.

Are you ready to take the next step? Final Wishes Covered can help.

If don’t have coverage already, we can help you get final expense life insurance. By working with Oxford Life Insurance Company, you can feel secure with your policy knowing it’s backed by a company that’s been protecting families like yours for over 50 years.

No matter what option you end up connecting to most deeply, final expense life insurance with Final Wishes Covered may be able to help cover the costs associated with your end-of-life planning, and that increased peace of mind is a wonderful gift to give your loved ones.

You can click the button at the top of this page to get a free quote in just a few seconds. Or call 888-432-7066 to talk with one of our in-house, non-commissioned life insurance agents about which plan may be the best fit for you.


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Final Wishes Covered
Final Wishes Covered

Final Wishes Covered℠ offers life insurance options that help to cover your final expenses by providing your family with a cash benefit at time of death to cover end-of-life expenses. Our purpose is to make it easy and affordable for you to get life insurance coverage, and we’re dedicated to helping you find the right policy.

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We help to provide financial security and peace of mind to families when the unexpected occurs.

Final Wishes CoveredSM is your partner during the life insurance buying process. Our purpose is to make it easy and affordable for you to get life insurance coverage, and we’re dedicated to helping you find the right policy. We've tailored our process specifically to help you protect your legacy and your family.


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