Ways to Pay for a Funeral

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In many cases, people don’t preplan funerals, so once the individual passes away, they are left with not only the emotions and painful grief of losing the person but a bill for the services. If you must plan cremation services in Apache Junction, AZ, you want to make sure that you have options to cover the costs and lower your stress level. In addition, depending on specific needs you may have, or at the request of your loved one, the prices can skyrocket if you choose to do a more extravagant event. Here are some ways you can lessen the cost.

Prepay for the Event

In the best of situations, the obvious choice is to pre-pay for the function. Some funeral plans have a contract combined with an annuity or trust to keep the cost as agreed at the current rate. It can be a great solution if you plan early to save your family money later down the road.

Funeral Trust 

This trust is popular because it also allows for an agreement between the settlor, grantor, and the trustor and beneficiaries. They can cover various expenses, including:

  • cremation or embalming
  • the vessel the individual will be housed in
  • any cosmetology needs
  • the headstone in cemetery fees
  • transportation fees

These are just a few options they will pay for, so speak to a professional if you’d like to consider this choice.

Life Insurance

another great alternative is simply a life insurance policy. These can also be referred to as a final expense plan, and they offer some options like advanced funding. This means that after the individual passes away, their loved ones will receive the benefits from the plan faster.

There’s also a pay-on-death account option that allows your loved ones to access your assets without having to go through probate. You could opt to use a credit card to pay for the expenses, but some companies offer funeral loans which you could discuss with your funeral director.


One of the last recommendations is to create a website for individuals to help contribute to the cost. GoFundMe Is a popular option because it’s easy to set up a campaign, and you can personalize the details around the funeral.

We are here for you

Regardless of what funding you decide to use, there will always be positives and negatives to any situation. We recommend checking with a professional to look at your situation objectively and help you make an informed decision based on that. Having a professional will help give you the peace of mind knowing you are making the right decision for your family.

If you have lost a loved one and you are looking for cremation services in Apache Junction, AZ, you want a locally trusted company that will be here for you step by step. A Wise Choice Cremation & Funeral Services offers compassionate support to local families going through the planning processes. If you would like to set up an appointment, give us a call today, and we will help get you started.

(480) 626-6363
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