Skip to main content
All Posts By

Heather Guitar

5 Ways to Pay for a Funeral

By Explore Options, Plan Ahead, Planning Tools

Many people do not realize that payment for a funeral is due prior to services being rendered. So, having a financial plan in place to pay for a funeral is essential for every adult. There are many ways to pay for a funeral, in advance or at the time of need. However, not all payment methods are created equal. Each method has its own risks and benefits, so it is up to you to decide which payment method is right for you.

1. Prepaid Funeral Plans

Many people choose to pay for a funeral in advance with a prepaid funeral plan. Funeral plans with a special “preneed” contract funded with an insurance policy, trust, or annuity offer several benefits. Some funeral providers will offer a guarantee that “locks in” the cost of the selected funeral goods and services at the current price. If you expect to live another 10, 15, 20 or even 30 years, this type of contract could save your family money.

Preneed Policies

Preneed policies can be paid in full or set up on installment plans with a set number of payments that fit into your budget. The funds go to a specialized insurance company and offer growth with certain tax advantages. The plans are also transferable to another funeral home should you move away.

Funeral Trusts

Funeral trusts also offer the benefit of some growth, depending on the underlying investment, so they are a popular option for those planning ahead as well. Some states require funeral homes to deposit 100% of funeral funds, and other states require only a percentage. Be sure that you clearly understand the terms of your funeral trust before entering into a contract, and pay special attention to the portability of your trust funds should you move.

Irrevocable prepaid funeral plans can also be set up as Medicaid-exempt assets to help an individual qualify for Medicaid later in life.

In the case of using an insurance policy to fund a prepaid funeral plan, it’s best to speak with a preplanning consultant who can review all of your options and answer any questions you may have.

2. Life Insurance or Final Expense Plan

Families often plan to cover funeral expenses with a life insurance policy or final expense policy. The truth is, there can be many unexpected complications. To learn more about these complications, take a moment to read The Truth About Life Insurance and Funeral Expenses. Even if your policy is problem free, it may take 6 to 8 weeks to receive payment.

Advance Funding

Some funeral homes will agree to file the life insurance claim on your behalf, or they will partner with advance funding companies (also called an assignment company) to help families access life insurance policy benefits faster. Similar to a rapid refund on a tax return that you might receive from your tax preparer, advance funding is an advance on your life insurance policy benefits. The assignment company contacts the insurance company and verifies that the policy has not lapsed and has no other issues. You will receive funds within 24-48 hours of verification of the policy. The assignment company will deduct a small fee to cover administrative costs.

3. Personal Account/CD/Pay-on-Death Account

Some families choose to set up a pay-on-death account with a named beneficiary. This option allows your assets to be available to your heirs without having to go through probate. However, there are a few disadvantages to maintaining a personal pay-on-death account. With each year that goes by, the purchasing power in your account actually goes down. In addition, these types of accounts do not generally offer a sufficient amount of interest to offset inflation over time. Personal accounts are also not considered Medicaid-exempt should you require long-term care assistance. Personal accounts are also at risk of being used or seized due to civil judgments, bankruptcy, or divorce.

4. Credit Card or Funeral Loan

Another possibility to pay for a funeral is using a credit card or taking out a personal loan. Obviously, this is not the best option since it includes the possibility of paying interest on the funeral amount. Some lending companies offer families funeral loans, often with no interest for the first few months. Ask your funeral director about funeral lending companies, if interested.

5. Crowdfunding Website

If no financial plan in place at the time of need, families can use a crowdfunding website to pay for a funeral. Some of these websites are general fundraising platforms that can help you raise money for a funeral. GoFundMe.com, in particular, has become a very popular way to campaign for a service. Other websites such as Funeral Fund are specifically tailored to funeral fundraising. These sites provide efficient ways to receive the financial support needed to craft a meaningful ceremony.

Consider the Pros and Cons of Each Payment Method

With any option that you choose, you must weigh the risks and benefits of each. On one end of the spectrum, you have fully-insured prepaid funeral plans. These plans offer the highest amount of protection. On the other end of the spectrum, you have personal accounts. These offer the least amount of protection for funeral funds. In the end, it’s up to you to decide which option is the best for you and your family.

Grief and Loss in the Wake of Hurricane Dorian

By Current Events, Exclude from Top Posts

Hurricane Dorian is lashing against the East Coast‘s shores, sure to cause life-threatening conditions, catastrophic flooding, and property damage. Hurricane Dorian is the first large hurricane of the season and has already devastated the Bahamas. In recent years, we have seen a number of hurricanes wreak massive amounts of damage, including Hurricanes Michael and Florence last year and Hurricane Harvey, Hurricane Irma, and Hurricane Maria the previous year. Together, these hurricanes contributed to the deaths of thousands and caused billions of dollars in property damage.

Losing everything so suddenly can be especially difficult to grapple with because all that is familiar–your home, your belongings, your pictures, even loved ones–are gone, washed away by an unrelenting storm.

The trauma of such a devastating and sudden loss can manifest as complicated grief. Be aware that total loss as a result of a sudden natural disaster can possibly trigger severe trauma responses, including anger, depression or anxiety, post-traumatic stress disorder. Usually, the severity of the response depends on previous life trauma and the support that survivors are able to find after the event.

If you are looking for ways to help others during this time, it is important not to put your own life in danger by going out into affected areas on your own. Consider volunteering with an existing organization or donating to worthy organizations that are making a difference in impacted communities.  This article shares ways to contribute to hurricane and disaster relief efforts.

If you know or are helping someone who has been affected by a recent disaster, the best thing you can do right now is listen to their story and offer tangible help in any way you can. Nothing will take away the pain of total loss. The rebuilding effort for both cities and individual lives will take time. There is not much that we can do to “fix it” or take their pain away. We can’t bring back homes, precious pictures, heirlooms, and loved ones. What survivors need right now is help with day to day necessities, as well as someone who is comfortable being a listening ear and a witness to their pain and loss.

Why Have a Visitation?

By Dr. Wolfelt Videos, Meaningful Funerals One Comment

Having a visitation or viewing prior to the funeral ceremony can be of great value to a bereaved family. In this video, Dr. Wolfelt shows the history of visitations and why they are an essential element of the healing process.

A visitation is like a reception. It is less formal than a funeral ceremony and generally takes place a few days prior. It is a time to receive the love, comfort, and support of friends and family. A good time of visitation can help you in several ways:

Activate Your Support Network

The visitation plays a vital role in establishing a support network for those who are grieving. It also provides an opportunity for friends to gather together to pay their respects. In addition, the visitation serves the important purpose of communicating the family’s desire for fellowship. During such a difficult time, even the most caring of friends may not know how to respond. They want to help, but might find it difficult to know how to respond if no public ceremony or gathering is held. As a result, friends may decide to keep their distance out of respect for the family’s privacy. The visitation offers an opportunity for the bereaved to receive support during a painful time of transition. By having a visitation, the family sends a message to their network of friends, letting them know that expressions of love and sympathy are appreciated.

Acknowledge the Reality of the Death

Visitations provide an opportunity for the bereaved to come to terms with the loss. When grief is fresh, the first instinct of the bereaved is usually to gather with loved ones to tell the story and try to make sense of the loss. The visitation brings friends and family together to “tell the story” as a shared experience. Going over the last moments of life, the last time you talked with your loved one and the last words spoken, helps those who grieve to process the reality of the loss. Sometimes, the family is able to spend time with the body at a visitation, whether in the visitation room or in a more private viewing area. Being able to view the body can help those who were closest to the person who died come to terms with the reality of the death.

Share Memories

During visitations, stories are told, memories are shared, and the family is given a fresh look at how their loved one’s life had a positive influence on the world. You may choose to share photos, a memorial tribute video, or personal items that demonstrate your loved one’s life and values. For example, if your loved one was a quilter, an artist, or a collector, this is the perfect opportunity to showcase his or her life’s work. If your loved one enjoyed sports, golf, fishing, motorcycles, horseback riding, or any number of hobbies, you could display fishing gear, golf clubs, saddle and tack…even a motorcycle. Sometimes your friends and family will be able to share stories you’ve never heard before.

Holding a visitation before the funeral service allows your family to see the deeply personal impact that your loved one had on the lives of others. The visitation offers an opportunity to express sympathy, share memories, and support the bereaved. As one of the first steps in the grieving process, a good time of visiting with friends, neighbors, colleagues, and loved ones can set the tone for a special time of remembrance and healing throughout the funeral experience.

If the Funeral is Over and You Didn’t Have a Visitation…

It’s not too late to benefit from gathering together with friends and family. Many families gather on the anniversary of the loss or during the holidays and share memories, photos, and mementos. Maybe there was no time to create a memorial tribute video right after the loss, but one can be prepared for an anniversary gathering. It’s never too late to go backward and “tell the story” of your loved one’s life all over again.


Dr. Alan D. Wolfelt is an author, educator, and grief counselor with over 30 years of experience working with bereaved families. He has written many best-selling books on grief and loss, including Healing Your Grieving Heart and The Journey Through Grief. Dr. Wolfelt serves as the Director of the Center for Loss and Life Transition. Visit him online at www.centerforloss.com.

Grieving During the Holiday Season

By AfterCare, Christmas, Exclude from Top Posts, Seasonal, Thanksgiving No Comments

The absence of a loved one during the holidays can bring extremely painful feelings to the surface. Just as you’ve found your groove in a “new normal,” the holidays come at you with a whirlwind of joy, good cheer, happiness, and all things family. Needless to say, the holidays can be an emotional roller coaster for grieving individuals. Having a plan for the holidays can make this time a little more bearable. First, it’s important to acknowledge that this holiday season will not be perfect. So, what is the next step for grieving in a healthy way during the holidays? Here are five actions you can take to help heal your heavy heart:

Save a Seat

Some individuals feel sad or frustrated when a loved one’s missing presence goes unacknowledged during the holidays. They might feel as if the person they love has been “forgotten” or “left behind.” One way to include your loved one into the holiday festivities is by dedicating a specific seat at the dinner table or a spot on the couch in the living room just for them. Consider decorating the memorial area to make it more personable. For example, light a candle, set a place at the table, or fill a space with photos of your loved one and surround it with their favorite flowers or holiday decorations. Having a designated place to honor your loved one allows you to acknowledge the absent family member without feeling like they are being ignored or excluded from your holiday activities.

Keep Traditions (or Try a New One)

Sometimes it takes more than a visual reminder to keep the legacy of your loved one alive during the season. You might find comfort in keeping sacred traditions you shared with your family member prior to their passing. Cooking their favorite dish to serve at the family feast or watching their beloved classic film before bed can bring back happy memories of times once spent together. Keep in mind that new traditions can also be helpful if old traditions are too painful to face. Whatever you decide to do, setting aside time for activities that can be both joyful and painful are healthy ways of coping with your loss.

Take Time to Reminisce

Remembering the past can be bittersweet for grieving hearts. You might find talking about past times with your loved one can be an effective way of coping with your loss. Find pictures from some of your favorite memories and share the stories behind them with a family member or friend who you feel comfortable with. If you are not quite ready to openly talk about the past, scrapbooking is a creative way to share memories without having to speak a word. Another private option is to share your feelings and reminisce with the love one you miss through a letter. Transferring thoughts of memories into words may be painful, but processing them into words can assist in the healing journey.

Call a Time Out if You Need To

The hustle and bustle of the holiday season can leave anyone physically and emotionally drained. You might feel especially fatigued if you are grieving during the holiday chaos. It is essential to take time away from the commotion and schedule in some time for restful activities that you enjoy. You may want to take a walk, splurge on a massage, listen to meditations on grief and healing after loss, or curl up with a cup of coffee and a good book. Give yourself time to process your emotions and refresh your spirit so you are better able to navigate the hectic pace of the season.

Give Back

Holidays are known for being a time of selflessness. A grieving heart can make the idea of giving seem exasperating and exhausting. However, if you find a cause your loved one was passionate about, you may find that giving in their honor is an outlet for your emotions. Giving can come in many different forms. If you feel capable, volunteering your time can be a great way to make a difference and keep your mind at work. Sign up to ring the bell for Salvation Army or volunteer at a donation center. If physical work is too strenuous or you are on a tight schedule, giving your resources can also be beneficial. You could gather donation items like canned goods or sweaters and blankets to give to local charities or join a local Toys for Tots or Angel Tree program.

Try to choose a cause that doesn’t require an extra errand. Financial contributions are always appreciated if that method of donation is more preferable for your family. You can do any of these activities or contributions in honor of your loved one, helping you continue their legacy, cope with your grief, and actively help those in need.

The holidays will never be the same. Going forward, the challenge will be finding a healthy balance between joy and sadness, tears and laughter, activity and rest. Remember to pace yourself, take care of yourself, and don’t take on more than you can handle.

Skip to content