Preparing for Rockford Funeral Home Services


When facing the loss of a loved one, the last thing someone wants to think about is the expense related to Rockford funeral home services. Often the cost comes as a shock to the family. The cost of the average funeral has dramatically increased in the last 25 years. However, it’s an expense that we can’t avoid. Being prepared and understanding the costs involved can help the process of planning for a funeral a little bit easier and help people decide whether getting a burial insurance policy is the right choice to support their loved ones.

Break down the cost of the Rockford funeral home services
From death to burial, and all the steps in between, today’s average funeral can cost upwards of $15,000. There are a few areas where the expense can be cut, such as in choosing the style and extravagance of the casket.  But some basic services, such as the cost of the funeral directors’ services cannot be avoided.

There are two areas that need to be looked at in terms of expense:  the funeral service/funeral home fees, and the burial/cemetery fees. This is where a burial insurance policy can be very helpful.

Costs of Funeral Services
According to the National Funeral Directors Association, the average funeral cost is around $6,500. This does not include the burial fees, including plot and headstone. This fee can include the cost of the funeral directors’ services in securing permits, overhead, arranging the funeral plans, and coordinating services. Removal or transfer of remains to the funeral home, $250 – while your loved one may pass at home, in a hospital, or someplace else, their body has to get moved to the funeral home for the services. Regarding the headstone, I have to emphasize cost varies greatly.  I was unaware of all the subtle differences that can go into selecting a headstone and much the cost can escalate.  For example, by having smooth sides or edges really jumped the price up considerably.

Planning Ahead for Funeral Costs
It is common now for people to plan ahead for their funeral services and even pre-pay or purchase a burial insurance policy.  Arrangements and payments can be made over time with the funeral home to help family members not be burdened with the costs and details of funeral arrangements in their time of grief. Even if your loved one hasn’t paid ahead, taking the time to consider what costs are really necessary and where you might be able to save is a good idea. Word of caution on pre-paying funerals: make sure you know where the money is going.  An estate attorney that I work with shared a story of Rockford funeral home services that was selling pre-paid funeral plans.  Those plans became obsolete when the funeral home went bankrupt. For some people, burial insurance isn’t enough, they need a traditional life insurance policy.

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