How Cremation Plans Compare to Funeral Services Plans
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Cremation as a final disposition option is becoming more and more popular in the United States.
Growth of Cremation in the United States
Americans are following most of the rest of the world in opting for cremation for various reasons. They aren't making any more land for cemeteries for the most part, so scarcity of cemetery plots is one reason. Cremation also costs families less. Some believe it is a more efficient means of disposition. There is an increasing tolerance for cremation than in decades past. I've written many plans for people who want a church funeral but a cremation after--no burial. This eliminates the need for a burial vault, plot, and cemetery labor--a savings of at least $3,000. I have this complete plan with casket included for $2,490. Read this whole page. You have the dignity of a full, traditional funeral but without the added expenses of a burial.
A direct cremation does not include a viewing (except for identification by next of kin) or an embalming. After brief refrigeration, you are brought to a crematory and incinerated to ashes, which are then returned to your family or other survivors. The cost includes transportation and minimal containers required to do the job. Additional fees, amounting to less than $100.00 total, are cremation permit, death certificates, and sales taxes on containers. Direct cremations today with all of these things included run between about $800.00 and $2,000.00. Some funeral homes will try to insist you purchase higher priced containers and urns, and some even say they "require" it. If, after shopping and calling, you've decided on the most you'll pay, see who will do it at the right price.
For a direct cremation only, with no services of any kind, I did a survey in August of 2017 of funeral homes to find out what costs are today. The table below are the results of that survey.
Funeral Home Survey
(These packages are WITHOUT a casket, burial vault, obituary, grave opening, etc. This is for a full traditional funeral service only).
I freeze the cost of a direct cremation for $750 through Premier Funeral Services, plus an additional allowance of $150 for non-guaranteed costs: sales tax on containers, death certificates, and a cremation permit-for a total of $900. This is 37% less than the average in the Salt Lake area and the best price I have found. There are no payment plans for this, but when you write one check to pay for your cremation, you get a discount based on your age and health status.
Premier Funeral Service's Cremation with Funeral Service
The above package "Funeral Service With Cremation" includes everything a normal, traditional funeral service includes. The only difference is that the body is not buried afterwards but is instead cremated.
A rental casket is needed, which costs $650, for a total of $2,500. You can also purchase a casket made of wood, which at most crematories can be incinerated.
When a rental casket is used, the package includes a cardboard box for the cremation, and the remains are returned in a plastic container.
Otherwise, I have these options available to include in a plan:
This is what a well-known chain in the Salt Lake area was charging in 2011 for the same package with no container included in the price except a $250 urn. All other containers are extra.
Note that you must buy your containers from them. When I called about this package, I was told they will not use cardboard boxes but insist on fiberboard containers as a minimum, and they do not use rental caskets whatsoever. This means through them your total cost is about $4,400. At age 65. through their funding company Security National Life, this would be a payment of $66.75 a month on a ten year plan. I can provide the same package with either a high quality rental casket or a cloth covered casket for $2,500 and a payment of $28.33 at age 65.
At most ages, I can fund this plan up to ten years. The average monthly payment on this plan, with early payoff discount option, is right around $30 a month. You get the entire service, including the casket, for a price some funeral homes charge just for a direct cremation with containers and transportation.
This plan is a no-brainer. And if you're not sure whether you really want a service, this plan will still work. The funeral service provider will only take the money needed for the direct cremation if that's all you've decided you want, and your family will be refunded the difference.
Get professional, personalized service at the right price, on the best terms.
UtahsFuneralPlanningSite.com serves the funeral and funeral planning market in the Salt Lake City, Utah area. Our goal is to help you plan a funeral in as much detail as possible well in advance. This website provides the tools you need to pay for funerals the right way, so affordable funerals donít end up being a sacrifice but instead a more comfortable reality. We offer or point you to Utah's best funeral prices and lowest cost for funeral plans, which can include caskets and burial vaults, and final expense whole life insurance, especially for seniors with bad health and with low incomes. You will be able to not only outline your final wishes with accuracy, but you will know exactly how to calculate and control the cost of a funeral (church, mortuary chapel, or graveside), the cost of a burial, and, if applicable, cremation options. You will not become the victim of funeral rip-offs, over-priced caskets, or plans that donít suit your familyís true needs and budget. There will be no confusion in your family at the time of need concerning arrangements. Once you have done things correctly, they will know where the line has been drawn on spending for your final expenses, and no mistakes will be made.