A Simple Guide to Arranging Your Own Cremation

Preplanning your cremation might feel overwhelming, but it’s one of the most thoughtful and cost-effective choices you can make. A prepaid direct cremation plan ensures your final wishes are honored and relieves your loved ones from the stress of planning and paying for services during a difficult time.

Whether you want a simple cremation or plan to include a celebration of life, putting your wishes in writing and covering the cost now means fewer decisions and fewer funeral expenses for the people you love.

What Is a Prepaid Direct Cremation Plan?

A prepaid cremation plan is exactly what it sounds like: a way to make and pay for your direct cremation arrangements in advance. These prepaid cremation plans often include everything from transportation and paperwork to the cremation process itself and delivery of the cremated remains.

Paying ahead allows you to lock in today’s prices, avoid emotional overspending later, and ensure your final wishes are honored without burdening your loved ones.

Benefits of Prepaying for Direct Cremation

Planning your cremation ahead of time and paying for it now has several advantages:

• Price protection: Locks in current rates and avoid future increases in funeral costs
• Clear instructions: Removes guesswork for your family
• Financial relief: Reduces the burden on your family during a difficult time
• Peace of mind: Gives you confidence that cremation arrangements are secure and complete

Many prepaid cremation plans are easy to set up online or over the phone. They typically include assistance with filing the death certificate, completing necessary paperwork, and delivering the cremated remains via U.S. Priority Mail. Some providers offer flexible payment plans so you can pay over time.

Why Choose Direct Cremation?

Direct cremation, or simple cremation, is the most cost-effective and straightforward way to plan a funeral. This choice generally includes:

• Transportation of the deceased
• Filing of all necessary paperwork and the death certificate
• A basic cremation container (not a traditional casket)
• The cremation itself
• Return or scattering of the ashes (cremated remains) in a simple or temporary container

Because direct cremation doesn’t involve embalming, a formal funeral, or in-person viewings, families can save thousands in funeral costs while still honoring their loved one in a meaningful way.

What’s Included in a Prepaid Cremation Plan?

A prepaid cremation plan should clearly outline and include:

• 24/7 transportation from the place of death
• Completion and filing of the death certificate and legal documents
• Cremation container (not a traditional casket)
• The cremation process itself
• Delivery or scattering of cremated remains (scattering is an additional fee)
• Support from a licensed funeral director or care team

If any of these essential services are missing from your quote, ask questions and request a full itemization before you sign. Under the Federal Trade Commission’s Funeral Rule, you have the right to know what you are paying for with a document called the General Price List or GPL which your funeral director must provide.

How Much Does a Prepaid Cremation Plan Cost?

The total cost of a prepaid cremation plan depends on the provider, location, and selected services. In general:

• Direct cremation (no embalming, casket, viewing, or ceremony) starts around $950, depending on the location
• Nationwide, the average cost of direct cremation is just under $2,000
• Plans with a memorial service or other features may range from $2,000 to $5,000 or more
• A full-service funeral with burial may exceed $15,000

Prepaying gives you control over your funeral arrangements and allows you to choose services that fit your budget.

How to Choose the Right Cremation Provider

Not all cremation services are priced the same. When evaluating providers, make sure to:

• Compare complete costs, not just the advertised base price.
• Check for hidden fees related to containers, paperwork, or transportation.
• Understand the package price to avoid unnecessary extras; you may be paying more than necessary.

Buying a cremation plan is a deeply personal decision, and you should consider both the price and the quality of service.

Affordable Ways to Pay for Cremation

You don’t have to pay all at once. Here are three flexible options:

• Prepaid Cremation Plans: Secure today’s pricing and pay upfront or installments through a cremation provider.
• Final Expense Insurance: Purchase a small life insurance policy ($5,000–$25,000) to help cover funeral costs.
• Payable on Death (POD) Account: Open a bank account that transfers funds directly to a beneficiary after death, no probate required.

How to Save on Direct Cremation Services

Follow these money-saving tips for the best price on prepaid direct cremation. 

Skip Services You Don’t Need

If embalming, viewings, or a traditional funeral ceremony are not part of your final wishes, you don't need to pay for them. Choosing online-based providers can lower costs by eliminating unnecessary overhead. Items like guest books and thank-you notes can be purchased separately from a retailer.

Choose a Personal Memorial

Hosting a memorial service at home, a park, or a favorite location is often more affordable than holding one at a funeral home. If you love the beach, put it in writing that you’d like your loved ones to have a casual beachside service. There is no right or wrong way to be remembered, just your way. 

Buy Merchandise Separately

Cremation urns, keepsakes, and memorial jewelry are available online, often at lower costs than those sold through a funeral home. The law allows you to bring your own urn, which can help reduce overall expense.

Do Your Homework

Whether you’re planning ahead or have an immediate need, take time to research providers. Read online reviews, ask for referrals, and verify licenses. Ensure the package price covers everything you want and nothing you don’t. 

Why Tulip Is a Trusted Choice for Prepaid Cremation Plans

If you're looking for a simple, affordable way to make cremation arrangements, Tulip Cremation is here to help. We offer prepaid direct cremation plans designed to reduce stress and protect your family from unexpected costs. With Tulip:

You can arrange services online or by phone in just minutes.

There’s no need to visit a funeral home in person.

Pricing is transparent with no hidden fees.

We operate in nine states across the country.

Our Care Team is available 24/7 to guide you through the process.

Planning and paying in advance brings peace of mind, ensures your wishes are known, and helps your family avoid difficult decisions during a time of grief and loss. Get your free instant quote or call (844) 942-4909 to get started.