As many survivors know, there can be a surprising number of decisions to make when pre-planning a funeral. Pre-planning your funeral (also known as “pre-need planning”) might make some uneasy, but it’s one of the best gifts you can leave your loved ones. It also ensures that your end-of-life celebration reflects you and your wishes.
Help make things easier for your family by outlining your wishes for your memorial in advance and separately from your will. (Wills are often not read until after the funeral.)
Planning a Funeral or Memorial Service: Critical Questions to Ask
First, think about the type of service you’d like to have. This will in part be determined by your wishes for final disposition, such as burial, entombment or cremation. Among questions to ask:
Will you have a funeral or a memorial service?
The difference between a funeral and a memorial service is the presence of remains. If the deceased’s body is present, then it is a funeral. A tribute without a body is considered a memorial service, even if the deceased’s cremated remains are present at the event.
How would you like your remains to be preserved?
If you are opting for burial or interment, would you like a burial before or after the ceremony? Will there be a viewing or visitation? Will you have an open or closed casket? Have you purchased a burial plot or mausoleum space and have you informed family members where the property deed is? How you would like to be laid to rest helps guide your funeral planning. Learn more about making burial and cremation decisions.
What type of tribute would you like to have?
Are you more traditional, or would you like to have a unique service? Do you want to have a religious ceremony based on your beliefs? Are you a veteran and wish to observe military burial traditions? This will help determine the location of the event, the structure and more.
Who will speak at the event?
Will a religious leader speak? Who would you like to give the eulogy? Are there religious verses, poems or other readings you’d like someone to recite?
Would you like a public memorial service or a private one?
Listing the time, date and location of a memorial service in a publicly accessible obituary indicates that the service is open for the public to pay their respects. State whether you’d like your service to be private so it can be outlined in your obituary. Read more about what to include in your obituary here.
Who will be pallbearers?
Are there specific personal items, videos, or photographs you’d like displayed at any of your funeral events (viewing, memorial service, etc.)? Gathering these in advance prevents your loved ones from having to sort through pictures and guess which ones you would have wanted to show.
Are there pieces of music you’d like to be played at your memorial service?
How would you like to handle flowers and/or donations?
Often families will request a donation in lieu of flowers. What are your wishes on this? Is there a non-profit organization, religious establishment, school or other group that you’d like to support?
Will you be selecting your burial clothing, jewelry and other personal items that will be buried with you?
Will you be pre-paying for your funeral services?
Pre-payment contracts for funeral services are regulated at the state level, with some states enacting legislation to ensure pre-paid costs are still able to cover expenses at a person’s time of death. The Federal Trade Commission has outlined key questions to ask when pre-paying.
Are there friends or family that you want to ensure are contacted about your death and funeral plans?
In the days after your death, there might be some people that aren’t notified in time for your funeral. Let your immediate family know the contact information for anyone you’d like notified, such as friends from childhood, college or military service.
While there are some things that you can’t pre-plan, such as transportation from your place of death to a funeral home or death certificate, you can prepare a large portion of your end-of-life plans in advance and lessen the burden on your loves ones.
If you’re thinking about retiring, you may be facing fears of being able to survive on a limited, fixed income, in a world where everything is gradually becoming more expensive.
Wills are one of those things in life that everyone knows they need, yet somehow seem to procrastinate when it comes to getting it done.
"Being in the financial planning industry for over 35 years and focusing on end of life planning, we’ve become accustomed to seeing first-hand what families go through after the death of a loved one. Many times, there is added pain and frustration because they just don’t know what to do." Michelle Braddock, Co-Founder, My Life and Wishes Inc.
There are many expenses after a person dies. The most immediate being burial and funeral costs. So what's the best way for family or personal representatives to pay for these expenses? Should you write a check or pay for these expenses with the deceased persons’ credit card? The answer is probably not! Even if you're an authorized user on these accounts, it may be considered Fraud to continue to use them once a person dies.