13+ Things A Funeral Director Won’t Tell You

Read the money-saving secrets funeral directors from across the country aren't taking to the grave with these insider tips for planning a funeral.

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1.Go ahead and plan your funeral,

1.Go ahead and plan your funeral,iStock/djedzura
but think twice before paying in advance. You risk losing everything if the funeral home goes out of business. Instead, keep your money in a pay-on-death account at your bank.

2. If you or your spouse is an honorably discharged veteran,

2. If you or your spouse is an honorably discharged veteran,iStock/Joecho-16
burial is free at a Veterans Affairs National Cemetery. This includes the grave, vault, opening and closing, marker, and setting fee. Many State Veterans Cemeteries offer free burial for veterans and, often, spouses (www.cem.va.gov).

3. You can buy caskets that are just as nice as the ones in my showroom for thousands of dollars less online from Walmart, Costco, or straight from a manufacturer.

3. You can buy caskets that are just as nice as the ones in my showroom for thousands of dollars less online from Walmart, Costco, or straight from a manufacturer.iStock/alexkich

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4. On a budget or concerned about the environment?

 4. On a budget or concerned about the environment?iStock/DIGlcal
Consider a rental casket. The body stays inside the casket in a thick cardboard container, which is then removed for burial or cremation.

5. Running a funeral home without a refrigerated holding room is like running a restaurant without a walk-in cooler.

5. Running a funeral home without a refrigerated holding room is like running a restaurant without a walk-in cooler.iStock/Enrique Ramos Lopez
But many funeral homes don’t offer one because they want you to pay for the more costly option: embalming. Most bodies can be presented very nicely without it if you have the viewing within a few days of death.

6. Some hard-sell phrases to be wary of:

6. Some hard-sell phrases to be wary of: iStock/kzenon
“Given your position in the community …,” “I’m sure you want what’s best for your mother,” and “Your mother had excellent taste. When she made arrangements for Aunt Nellie, this is what she chose.”

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7. “Protective” caskets with a rubber gasket?

7. “Protective” caskets with a rubber gasket? iStock/Pears2295
They don’t stop decomposition. In fact, the moisture and gases they trap inside have caused caskets to explode.

8. If there’s no low-cost casket in the display room, ask to see one anyway.

8. If there’s no low-cost casket in the display room, ask to see one anyway.iStock/Katarzyna Bialasiewicz
Some funeral homes hide them in the basement or the boiler room.

9. Ask the crematory to return the ashes in a plain metal or plastic container — not one stamped temporary container.

9. Ask the crematory to return the ashes in a plain metal or plastic container — not one stamped temporary container.iStock/kzenon
That’s just a sleazy tactic to get you to purchase a more expensive urn.

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10. Shop around.

10. Shop around.iStock/mediaphotos
Prices at funeral homes vary wildly, with direct cremation costing $500 at one funeral home and $3,000 down the street. (Federal law requires that prices be provided over the phone.)

11. We remove pacemakers because the batteries damage our crematories.

11. We remove pacemakers because the batteries damage our crematories.iStock/Fodor90

12. If I try to sell you a package that I say will save you money, ask for the individual price list anyway.

12. If I try to sell you a package that I say will save you money, ask for the individual price list anyway. iStock/Sqauredpixels
Our packages often include services you don’t want or need.

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13. Yes, technically I am an undertaker or a mortician. But doesn’t funeral director have a nicer ring to it?

13. Yes, technically I am an undertaker or a mortician. But doesn’t funeral director have a nicer ring to it?iStock/kzenon

14. Sure, you can store ashes in an urn or scatter them somewhere special,

14. Sure, you can store ashes in an urn or scatter them somewhere special, iStock/BarbraFord
but nowadays you can also have them crushed into a real diamond, integrated into an underwater coral reef, or blasted into space. Learn about green burials »

15. It’s usually less expensive if the body is not present for the funeral.

15.  It’s usually less expensive if the body is not present for the funeral.iStock/meadowmouse

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16. If the deceased’s favorite outfit is a size too small or a size too big, bring it to us anyway.

16.  If the deceased’s favorite outfit is a size too small or a size too big, bring it to us anyway.iStock/Finn O'Hara
Part of our job is making the clothes lie perfectly.

17. If I ask you for a photograph of the deceased to help me prepare the body,

17. If I ask you for a photograph of the deceased to help me prepare the body,iStock/IvanJekic
I don’t mean her honeymoon picture from decades ago.

18. That may be real gold in your loved one’s dental fillings or crowns,

18. That may be real gold in your loved one’s dental fillings or crowns, iStock/Eraxion
but don’t ask me to remove them for you.

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19. Never trust a funeral director who says, “This is the last thing you can do for your loved one.”

19. Never trust a funeral director who says, “This is the last thing you can do for your loved one.”iStock/MagMos

20. You don’t need to spend money to have a meaningful service.

20. You don’t need to spend money to have a meaningful service.iStock/stellalevi
Consider a potluck at the widow’s home or an informal ceremony at a favorite park, and ask survivors to tell stories or read poetry.

21. Always bring another person when you meet with me,

21. Always bring another person when you meet with me, iStock/Lisa F. Young
ideally someone who’s not as emotionally attached to the deceased.

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