Tip: At £700, the funeral expenses payment is unable to cover the average cost of a funeral. There are alternatives that may reduce the financial burden, such as a public health funeral or direct cremation. Separating the service from the disposal of the body can be helpful too in allowing people to think creatively about meaningful but inexpensive ways in which a person’s memory can be honoured.
You should also discuss with your provider any religious or cultural preferences that you would like honored. For example, if you desire a secular or non-religious funeral or memorial service, you might like to use the services of a funeral celebrant, which some funeral homes now have on their staffs. Many funeral homes also have experience serving families from diverse cultural backgrounds with their own funeral rites, rituals, and customs.
In the past few decades, funeral services have grown increasingly personalized, although many people still think of the "traditional funeral" as the norm. A personalized funeral or memorial service reflects the unique life and personality of the deceased individual, as viewed by the deceased and/or his or her surviving loved ones, and regardless of the form such services take.
Most businesses provide convenient product and service information online, prices, and even post their general price list (GPL). This makes it easier to compare prices and service/merchandise options available locally. The Federal Trade Commission requires providers to give customers accurate and itemized price information and disclosures about other services, whether the customer asks in person or over the phone.
At no point should you feel pressured into making any arrangements that make you feel uncomfortable. While some people may opt for embalming, cosmetology, and a viewing or wake, others may simply want a graveside service or a direct cremation; all of these are valid options, and at no point should you feel that the funeral director is pressuring you to add on unwanted services.
Most businesses provide convenient product and service information online, prices, and even post their general price list (GPL). This makes it easier to compare prices and service/merchandise options available locally. The Federal Trade Commission requires providers to give customers accurate and itemized price information and disclosures about other services, whether the customer asks in person or over the phone.
You should feel comfortable with the funeral director at the funeral home. Your first meeting is an opportunity for you to ask questions, learn more about the services offered, and get a general sense of what the funeral home in question is like. Cost is another consideration, and it’s okay (and can be a good idea) to comparison shop if you feel uneasy about quoted prices. And if you’re not sure where to start, but you know what cemetery you want to use, consider asking the cemetery for their recommended funeral homes.![]()
Ask your family some specific questions. Do they have preferences about the type of final arrangement? If you are planning for a loved one, did he or she leave any written instructions? Have arrangements at a certain funeral home already been prepaid, perhaps years ago? Be sure to look for any documents that will help in the decision-making process before going forward.
For example, you can arrange a "traditional" funeral service that includes a wake/visitation beforehand with the embalmed body in an open casket even if you desire cremation of the deceased as the form of final disposition. Likewise, some families choose to cremate the unembalmed deceased without a service beforehand but hold a memorial service afterward with or without the inurned remains present.
After determining the above, the next step is to research your service and provider options. If death has already occurred, you can contact a local funeral home, cremation provider or cemetery. Your chosen provider can help you arrange the funeral, memorial and/or interment service you desire; provide information about your various product and service options; explain the costs involved for merchandise, services, and other professional fees; and help you create an obituary or death notice and obtain official death certificates.![]()
When you have thoroughly evaluated information from several funeral homes, choose the one you like best. If the funeral is imminent, call the funeral home to begin the arrangements. At this point, you could fill out the funeral home’s pre-need planning form and pay a deposit if required. But remember, never sign a contract for more than you or your family can afford to pay!
Fellow members need your help in answering critical questions. As an exclusive service to members, the OFDA's Q&A page allows you to share common questions and maybe not-so-common answers. You can even share your stories of unique and/or interesting services that you have provided. Maybe your story will answer someone's question before they even ask it!

