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.

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    Your Comments

    • Tauris2

      I found this very informative.

    • Tauris2

      I found this very informative.

    • TG

      These may be true at hole in the wall establishments, but at reputable funeral homes, many of which have been passed down through the family for generations, these are not true. Specifically, the pre-planned funeral fact. I do not know of a funeral home that does pre-planning on accounts held in house. ALL of the funeral homes I have dealt with use insured accounts through reputable companies, and if the funeral home were to go out of business the pre-planned account is transferrable. Also, I have seen the caskets produced by chinese sweatshops that are sold online, and the quality is not even in the same universe as the ones produced by American companies, such as Batesville.

      • Wild pop

        Why does the quality of the casket matter ? It will go in the ground and decompose anyway .

    • Guest

      While there are many people that will take advantage of you there are many good funeral homes out there. Don’t believe that every single Funeral Director is like this. Many work with families to long and hard to cut costs and make life easier on them. 

    • TNFuneralDirector

      This is so misleading and clearly written by someone with no inside knowledge of our industry. In Tennessee, at least, when you pre-fund your funeral not one dollar goes into my funeral home’s account. It is put in a trust fund in your name that I cannot touch untill the time of death and begins earning 3% annual interest overnight to cover the cost of any future inflation. We always return any leftover money to the family. That payment is also freely transferable to any other funeral home should you chose to move your arrangements.

    • Dave

      When my Dad passed away, the funeral home said they wanted 800 dollars to drive him to the National Cemetery where he now rests.  I had them load the flag draped casket into my Honda Odyssey and drove him myself.  Not only did I drive fearlessly at 90 mph most of the way, I got to park right next to the place where the ceremony was held.

    • Angela

      This is absolutely RIDICULOUS.  What total BS the reader’s digest is spewing!

    • rict

      SCREW EM, I HAVE THE V.A.!!!!!!!!!!!

    • http://sensiblefunerals.com.au/ funeral directors Adelaide

      Though many of the things mention above are not true, we should still be careful in choosing a reliable funeral service.  We can still find a funeral services that will provide clients the best of what they have.

    • Mort C

      LOL!