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[quote=Anonymous][quote=Anonymous]Not OP, but always wondered, what happens if you pre-pay for cremation and the place goes out of business?  wouldn't you be out of luck. [/quote]

No. When you pre-pay a funeral, you actually write the check to an insurance company that holds the money on behalf of the funeral home, for just this reason. There are specific insurance companies just for this -- my parents paid to "Funeral Directors Life".

ALso, here are the costs for a funeral/burial, including cremation, but not including the funeral plot (that was $3k).

$3000 Basic servcies of funeral director
$600 transfer of remains to funeral home
$650 funeral service at outside faciliity (my parents will do it at a church)
$400 weekend fee for funeral service
$300 vehicle fee for funeral service
$450 cremation fee

So that's $5,400 to have a cremation + funeral service at a church.

Then another $1,000 for the urn, flowers, and cremation container (urns must be encased in cement if buried in a plot)

Then $2k for death certificate, newpaper obituary, church fees.

So that's a bit over $8k, but you can do it for about half of that if you skip having a service.

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