Affordable funeral policies are hard to come by these days. With the cost of dying in Britain spiraling out of control due to the increase in pensioners, planning your funeral can be a worrying time. The best way to keep the cost of your funeral down is by paying in advance. There are two ways to do this. The first is to take out a whole-life insurance policy. The second is look for a funeral planner who offers affordable funeral policies.
The best way to keep the cost of your funeral down to an affordable price is to use an independent funeral planner. One who is prepared to go through all the options with you and wants to help you save money rather than get your family into debt. There are many ways to cut back on the cost of your funeral. Below are just a few.
Firstly, either choose a basic coffin or make one yourself. Alternatively, use a simple shroud. There is no law in the UK that states you have to be buried in a coffin. Source your own coffin if you want to use one. If the funeral director of your choice is not happy with the use of a handmade coffin or shroud, switch to a different director. Also, do not be lead to believe that you have to be embalmed. It is another additional cost that you can cut back if you so wish.
Embalming is not hygienic; it is actually a toxic procedure. So much so, that if you want a natural burial in a green burial ground it is banned. If you wish to opt out of embalming, ensure the funeral director of your choice is happy with this decision and has refrigerated facilities or a cold room where your body can be stored. Once again, if you are not happy with what the director of your choice says, find one who is pro-natural burials and anti-embalming.
Just like it is not a legal requirement to be buried in a coffin, you do not need a hearse to transport the coffin or body of the deceased. The body can be collected in a family car, or you can arrange the collection from the funeral home with a plain van. No one has to have a hearse. It was the norm. It was the fashion. But thankfully, such frivolous expenses are now going out of fashion. Just like you don’t need a hearse, you do not need limousines. You can use your own family cars to follow the vehicle carrying the coffin, or even walk behind it. Dare to be different. You will save money on your funeral costs and you will get a send of that people will remember for all the right reasons.
If you want people to be able to visit your body, check if a fee will be charged by the undertaker. Charging for showing last respects to a family member is something that many unscrupulous funeral directors do. When family is grieving, they are not thinking straight, and will pay the bill without thinking what it is for.
Flowers are extremely expensive, and although necessary, they needn’t cost the earth. In fact, they can be free. If you have family with gardens, pick your own flowers. Or ask your local florist for donations of flowers that will otherwise not be used. A seasonal bloom from the family garden is just as effective as an expensive creation put together at a florist.
You can save more money by printing out the order of service at home as well as poems and hymn list. For your memorial, forget the headstone and opt for a tree to be planted in your memory. The venue of your service can be anywhere you choose. Arrange a special fee for using a community hall, or even hold the service at the family home.
Provide your own pallbearers. You don’t have to be extremely strong to carry a coffin. This will cut back on the bill from the funeral director for staff for the day. Even ask your local burial ground of graveyard if you can dig your own grave. Alternatively, be buried at home. If you have a large garden that will enable you to be buried far enough away from any sources of fresh water, you can be buried in your backyard. Lastly, save money on catering by getting family and friends to help you out. If you don’t ask, you won’t get. But you will be surprised just how helpful friends and the local community will be in your time of need.