It’s never easy to plan for a loved one’s final services, but when someone passes on, you are going to want to work with one of the funeral homes in West Seattle, WA to ensure their needs are met. It’s wise to think about what they might want and what your family needs during this hard time. However, you also need to keep an eye on the budget and figure out how you are going to pay for the costs you incur. Here are some of the things you might do to cover those necessary expenses.

Use Your Loved One’s Life Insurance

Many people have life insurance policies and when they pass on, those policies are meant to cover their final services. If the policy is on the small side, the money might cover the service and that’s it. If there isn’t a lot in the policy, you can keep services small and simple and still get your loved one’s needs met. Some policies are larger and once you cover the funeral services, you can then use the money for household expenses or other memorial options.

Pre-Payment Options

The easiest way to cover funeral home costs is pre-payment. This occurs when your loved one planned and paid for their final services in advance. Or, even if they didn’t plan out what they wanted, perhaps they had a savings account with a certain amount stashed away for the event when the time comes. You can use that money to pay for the funeral services and not worry about using anything of your own.

Savings Accounts

Not everyone has a life insurance policy and not everyone plans ahead and has money saved for their own final services. In those cases, you might be able to access your loved one’s savings account and use the funds they have in place. Otherwise, you may have to use your own savings to get things ready for honoring your loved one.

Memorial Funds Friends Sent

Friends and family members will often send cards, flowers, money, and other items. The memorial funds that people send can be used in any way you see fit. If you need help covering funeral home costs, the first thing you will want to do is use those funds for those expenses. After that, you can donate the funds to a charity or set up a permanent memorial of some kind.

Family Member’s Chip In

Your family might come together nicely when they hear that your loved one has passed on. They might offer to help with plans, costs, and other items. You can take their money and apply it to something specific or they can put it into a pool for you to use in whatever way you see fit. The funeral homes in West Seattle, WA are there to help you with arrangements as well as budgeting. They should be completely upfront with any costs and they can help you keep things within a certain parameter so you are able to meet needs and cover costs.