Review the arrangement statement
Funeral-home charges, cash advances paid to outside providers, and cemetery or crematory costs may appear separately. Ask which items are required by law, required by the selected provider, or optional.
- Compare service selections and merchandise separately
- Confirm newspaper, clergy, cemetery, and permit estimates
- Ask how changes affect the total
- Keep signed copies and payment records
Potential sources of funds or benefits
Depending on eligibility and circumstances, resources may include life insurance, payable-on-death accounts, veteran burial benefits, a limited Social Security death payment, union or employer benefits, or local assistance.
- Contact each program directly for current eligibility
- Do not assign an insurance policy without understanding the terms
- Ask when funds are expected and who receives them
- Watch for high-pressure loans or assignment fees
Questions for a funded prearrangement
Ask where funds are held, which prices are guaranteed, whether earnings or insurance growth affect the plan, and how cancellation, transfer, relocation, or Medicaid eligibility may be handled. Consider independent advice for legal, tax, or benefits questions.