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.

By Michelle Crouch from Reader's Digest Magazine | June/July 2011
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    1.Go ahead and plan your funeral,

    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,

    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.

    4. On a budget or concerned about the environment?

    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.

    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:

    “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.”

    7. “Protective” caskets with a rubber gasket?

    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.

    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.

    That’s just a sleazy tactic to get you to purchase a more expensive urn.

    10. Shop around.

    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.

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

    Our packages often include services you don’t want or need.

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

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

    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.

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

    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,

    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,

    but don’t ask me to remove them for you.

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

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

    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,

    ideally someone who’s not as emotionally attached to the deceased.

    Your Comments

    • Shane Welch

      I love number 21, “Always bring another person with you when making an arrangement.” This is not some hidden secret from a funeral director, you can bring anyone with you to make an arrangement. This is a common sense (which most don’t have) thing to bring someone else when making funeral arrangements.

    • Shane Welch

      The more I read this article the more suspicious I become. Readers Digest is simply looking for a sensational story to scare people. I work in the funeral industry and have never heard of a funeral home that does not use refrigeration. You cannot take a body into a facility without putting in refrigeration. This is just non-sense. A funeral home only removes a pace maker if the body is being cremated. The pacemaker will explode, so check your facts first.

    • Cc_rog

      As a former funeral director/embalmer, I have to say, this is crap. Yes, you can buy your casket elsewhere, but the funeral home doesn’t have to touch it if you do so. They also can deny you a viewing if you choose not to embalm. Trust me, that’s for your well being. There is also a definite line between a funeral director and an embalmer. At least in Alabama.

    • SES V

      BAD BAD JOURNALISM…….False Information and LIES!!!!! I am a 23 year Funeral Director from Texas. I have handled services and families with regards to sales and merchandise as I would like my OWN FAMILY treated. I attempted to make every family feel comfortable with what they could afford or wanted to purchase!!!! Do your homework, just as you would when buying any big ticket item….go meet your local funeral directors and funeral homes…..This information is all old school mentality and/or just flat out incorrect information!!! Someone else needs to do their homework, READER’s DIGEST!!!! Very disappointed!!!!!!

    • Sonjya Luke

      We just buried my father last week and thank goodness he prepaid for funeral and burial in 1982. He paid a total of about $2500 for funeral and $1800 for burial. The cost for just the plot today is $11,000! The funeral home he prepaid with was no longer in business but the accounts were given to another mortuary who took care of it. The only thing we had to cover was $400 for a Saturday burial and $400 for after 2:30pm overtime on Saturday fee, go figure.

    • Timme62

      Actually when my dad passed away the funeral director was the one who told us about the veterans cemetery. She also explained that since he was being cremated he did not need to be embalmed and that we did not need to buy a casket. That they had basically a human size cardboard container that would be fine. Also that his ashes could be inurned in the temporary container as there was no need to purchase a fancy urn.