First, check with your local Funeral Consumers Alliance to see if they have a survey of prices in your area. If so, check the range of costs for your chosen arrangement, and pick out some affordable funeral homes. You may find a huge price difference for the same option, so doing a cost comparison might save you several thousand dollars. Often those specializing in cremation offer the lowest prices for that service, but not always—be sure to double check.
If you can’t find a price survey, look online or in the phone book for funeral home listings. Call five or six and get their prices for your chosen arrangement; perhaps ask about casket and urn prices as well. If a particular funeral director seems uncooperative, cross him off your list. Do the costs fit within your budget? If not, you may have to consider a more affordable type of arrangement, look beyond your immediate area for lower prices, or eliminate extra expenses like embalming or visitation.
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.
If you visit a funeral home in person, the FTC requires the funeral provider to give you a general price list itemizing the cost of the items and services the funeral home offers. If the price list does not include specific prices of caskets or other burial containers, laws require the funeral director to show you price lists. If it’s more convenient and less stressful to call funeral homes by telephone, the Funeral Rule enforced by the FTC requires funeral directors to provide price information on the phone.
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.
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.
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!

