Great post. My mom, bless her (died at 101 just a few months ago) took out a $5,000 life insurance policy when she was in her early 60s thinking it would cover everything when the time came. She paid on it for all those decades...do the math! She was frugal and had saved for a few decades and she asked me when she was near the end if her life insurance policy would handle all the costs. I told her ‘don’t worry about it, it’ll be fine.’ She said, “Well, if it doesn’t, use what’s in savings.” Took all but a few thousand. I plan to be cremated, no funeral, no service, and will be buried in my mom’s plot. I am appalled at the costs. To add insult to injury, the guests who came paid thousands for personal flowers...which the cemetery demanded we took with us as the group disbursed. All...that...money for nothing.
My folks had burial policies & your basically burying a brand new car. Told my wife to cremate me, put me in an urn & intern me at a cemetery. Burying $20-25,000 in the ground is insane to me.