Options to Pay for a Funeral

By: Farrell-Ryan Funeral Home
Monday, December 20, 2021

In an ideal situation, an individual would have prepaid and had a complete list of their desires before being laid to rest. In most cases, this is not the reality. With funeral costs ranging over $8000, it can feel overwhelming for an individual or family to navigate not only paying for the services but also the emotions. If you recently lost a loved one and are looking at funeral homes in Hilton, NY, you might be wondering how to find funding for the service, so here are some suggestions. 




In some situations, the individual may have had a life insurance policy to help cover the costs of the services. This can be an incredibly useful option, and some companies will work with different agencies to get a loan that can be applied to the services until the insurance company makes the payment to the individual. 




Depending on the individual, they may have also had a funeral trust in place, requiring them to make payments assigned to an account specific to funeral costs. 


Savings Account


If the loved one had a bank or savings account that had funding available, that could be an additional option to utilize for the expenditures. 




If the individual didn't have any prepayments or policies in place, you might have to look for other options, and taking a personal loan could be one of those choices. You may also consider utilizing credit cards if you have them available or speaking to your family members to see if they can contribute to helping pay for the services. 




There are alternative methods on the market now that involve platforms such as GoFundMe that can help create a way for individuals to contribute. These platforms are highly beneficial because they offer an opportunity for outside individuals to give donations and show their support to the family who has been affected by the loss. 


Outside Sources


One of the last considerations to look at to find financing is to seek out information from agencies such as the Veterans Administration or the Social Security Administration. In some cases, if the individual met the requirements, they could offer some level of financial support for the services. You might also consider speaking with local organizations such as churches to see if they have any options in place. 


Quality you Can Depend On


Losing a loved one is difficult enough, but when you combine that with finding the finances for funding to help lay them to rest, it can create a new level of stress for the family or individual. Farrell-Ryan Funeral Home understands how painful loss can be, and we offer multiple services for our clients. 


We have a focus on creating an event that truly honors your loved ones and wants to help reduce as much stress as possible for all our clients. So, if you're looking at funeral homes in Hilton, NY, give us a call today, and we will help you start planning the service.

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