Planning your own funeral might seem uncomfortable at first, but it could be one of the most compassionate things you do for your loved ones. In the latest episode of Comforting Closure - Conversations with a Death Doula, Traci Arieli talks with Ryan Kolstad, founder of Preplanning.me, about why funeral preplanning is more than just an end-of-life task—it’s a way to offer peace and clarity to your family during a time of grief.
Is it a good idea to preplan a funeral?
Without a doubt, yes. As Ryan explains, funerals in the U.S. can cost anywhere from $15,000 to $25,000. Now, imagine the emotional weight of losing someone dear to you, and on top of that, you’re expected to plan and manage all the logistics of a funeral. It’s overwhelming. Preplanning takes that burden off your loved ones. You get to make crucial decisions ahead of time, ensuring your family doesn’t have to make those choices in the thick of grief. It’s a gift of love and protection, allowing them the space to focus on healing and supporting each other.
How to preplan your own funeral
Preplanning is more than deciding between burial or cremation. Ryan points out that there are more than 120 decisions to make when planning a funeral—everything from choosing the type of service to deciding on memorialization. The best way to start? Meet with a trusted funeral professional to guide you through the process.
One powerful option is to set up a pre-need policy, a type of life insurance that covers your funeral costs. This way, your family isn’t left scrambling to find the funds. Plus, you lock in today’s prices, avoiding future cost increases. As Ryan says, “It’s all about giving your family peace of mind, knowing they’re carrying out your wishes without the added stress.”
What are the disadvantages of a prepaid funeral?
While preplanning has many advantages, there are a few things to be mindful of. One concern is whether your plan is locked into a specific funeral home, especially if you move. Luckily, most pre-need policies allow you to transfer your arrangements, but it’s important to work with a funeral home you trust to avoid any issues. Ryan also advises against working with providers who might prioritize profits over families. It’s all about finding ethical, independently run providers.
Is $10,000 enough for a funeral?
The cost of a funeral varies depending on your choices. For a simple cremation or modest service, $10,000 might be enough. However, a full-service funeral, including burial plots, caskets, and memorials, can easily surpass that amount. Preplanning helps you understand what’s possible within your budget and avoids emotional overspending. If you have specific financial limits, working with a professional can ensure your wishes are honored without placing your family in financial stress.
Take the Next Step
Preplanning your funeral might seem like a big step, but it can give your family tremendous relief and peace. To learn more, visit Ryan Kolstad’s Preplanning.me.
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