Written by Advanced Mutual Group

We are affiliated with


Written by Advanced Mutual Group

We are affiliated with

Preparing for one’s final resting place is a difficult decision, whether it’s choosing a traditional burial or cremation. Hi, my name is Mitch Winstead from Advanced Mutual Group. Our agency has been helping people just like you for over 36 years. We have a health background as a co-owner of a Physical Therapy practice. That among years of experience and expertise sets our agency apart from other agents or brokers. Our advice is free and if you call us you have no obligations to buy. Some people may be on a fixed income and social security. We will work with you to get a cost-effective plan for your burial expenses. if you have been turned for term life insurance, you will not have any issues qualifying for permanent life insurance also known as final expense life insurance. Our toll-free number is 866-598-8170 or 910-452-1922. If you prefer email, please click this link Our insurance plans DO NOT require an exam.

They are state-regulated. Also, there are no taxes when the insurance company pays out a death benefit. We also have a quoting tool on our website if you would like an instant quote. Our secure website is We will not share or sell your information with anyone. We have a Facebook page that also has some helpful information from our other website Allstar Senior Benefits. Please click this link to visit us here If you would like help in finding a lower-cost Medicare Supplement, please visit us here by clicking this link Until the mid-1980s, only 15% of Americans opted for cremation, while the vast majority preferred a traditional burial. In recent years, however, rising funeral costs and a long-running economic downturn have caused the trend to shift dramatically. The information below explains the cremation process and outlines the cost of cremation versus traditional funeral service in North America so that you can make an informed decision about whether cremation is appropriate for yourself or your loved one. In the United States, regardless of whether you choose Cremation or Burial, a life insurance coverage/ policy is a good thing to have to protect you from the cost.

Understanding the Cremation Process

In addition to filing the necessary legal paperwork including the request for a cremation permit, the only preparation required for cremation is to remove metal items and medical devices from the body before the cremation process begins. Though some metal items such as surgically implanted pins and screws cannot be removed, some items such as pacemakers and radioactive medical devices must be removed as they may combust or emit hazardous rays during the cremation process.

Once the body is properly prepared, it is placed in a casket or container (usually crafted from wood or cardboard), which is then placed into a cremation chamber that is heated to a temperature between 1600 and 1800 degrees Fahrenheit. The container is labeled properly to ensure that there is no confusion about the identity of the body or any of its remains.

The body is heated for approximately 2.5 hours, during which time the body’s organic matter evaporates or is consumed by the heat. After the heating process is complete, the remaining bone fragments are removed from the cremation chamber, and any metal that was on the body, such as dental fillings, is removed with a magnet. These metal parts are typically disposed of at a cemetery. The bone fragments which do not evaporate are processed into a fine powder-like substance and are placed into a container that is typically chosen by the family.

The family is then permitted to dispose of the remains as they see fit. In cases where the family does not claim the remains of their loved one from the crematory, most states allow the crematory to dispose of the remains after a certain period of time. In New York state, for example, this period is 120 days; other states impose similar waiting periods.

It is important to know that while the entire cremation process only takes about 3 hours, most state laws stipulate that there must be a waiting period of several days after the death occurs before cremation can take place. The goal of this waiting period is to make sure that all paperwork pertaining to the death is properly filed, and that there will be no further need for autopsy or inquiry into the cause of death because no information can be gathered once the cremation takes place.

The waiting period may be as short as 24 hours or as long as 48 hours. In some exceptional cases, such as the case when the body poses a health hazard, a request for an expedited cremation may be granted. During the time between death and cremation, the body is stored in a refrigerator to slow decomposition and protect others from the health hazards posed by a decomposing body.

How Much Does Cremation Cost?

Cremation cost is an average of $1500 – $4000, as compared with a traditional average funeral, which averaged $8500 in 2018, according to the National Funeral Directors Association. Cremation services can be provided either by a funeral home or directly through a crematory, which is usually the less expensive option. In addition to the cost of the actual cremation, there are some compulsory costs associated with the cremation process. These include payment for removing a pacemaker (when necessary), transporting the body from the place of death to the crematory, storing the body until the time of cremation, the cost of a casket or container, and the fee for processing all of the necessary paperwork. In most cases, the paperwork fee includes a brief memorial service for the deceased.

There is also a range of supplemental cremation services that a family may or may not choose to pay for when it comes to cremating their loved ones. For example, some people prefer to scatter their loved one’s remains; others prefer to keep the ashes in a cemetery or mausoleum, a choice which costs anywhere from a few hundred dollars upwards to $5000, depending on the final resting place. Some families wish to hold an extended memorial for their loved one which can cost anywhere from $1000 to $4000 depending on where the service is held and whether there is a viewing of the body, while others choose to forego a public farewell in favor of a private ceremony (or no ceremony at all), an option which can save the family a bit of money.

Even with these optional costs, cremation services are markedly cheaper than a traditional burial because it does not require a fancy casket, a large tombstone, embalming, or clothing for the deceased, which are costs that are usually required during a traditional burial. Some people purchase cremation jewelry. Or a specialized custom-made urn for ashes. Likewise, memorial services for people who are cremated don’t usually require a hearse or limousine, items that are favored by families planning a traditional burial.

Similar to traditional funeral options, cremation services can be paid for with a burial insurance policy. If you prefer to be cremated, you should seek out a funeral home that offers this service to determine the exact cost of cremation so that you can buy a burial insurance policy for the appropriate amount. If you would like more information about burial insurance, please call 888-598-8170 or 910-538-4547 or 910-452-1922 to speak with a licensed professional who can help you find a policy that fits your needs. If you would to email us, please click this link

Respecting the Dead

One of the most common misconceptions regarding cremation is that this treatment of a body is not respectful. In reality, however, many people view cremation as the ultimate way to respect your loved one, as all bodies eventually return to the ground from which they came. Moreover, few people are aware that there are laws that prevent mixing the ashes of different people. These laws prevent any part of one’s remains from getting mixed with another person’s remains. They also ensure that each cremation is treated with a modicum of respect and reverence.

Cremation affords families the opportunity to dispose of their loved one’s ashes in a place that he or she would appreciate, rather than forcing them to be buried in a cemetery. Many people prefer cremation for just this reason, as they enjoy the idea of having their ashes scattered in a place that they love. But no matter what the reason for cremation is, it’s important to realize that cremations are done by professionals who adhere to strict professional and ethical guidelines and that the cremation process is done in an extremely appropriate manner.

Whether you’re choosing cremation for financial motives, emotional reasons, or a mixture of both, it’s important to feel comfortable and confident in this decision. A life insurance company offers peace of mind. Some policies offer a terminal illness benefit that may be used for paying medical bills. Don’t hesitate to speak to your family about your wishes before you die, so that they feel just as comfortable as you do with your final decision. We offer free advice and all of our plans and policies are state-approved and state-regulated. A medical exam is not needed and everyone qualifies regardless of health. Our toll-free number is 866-598-8170 or 910-538-4547 or 910-452-1922. If would like a quote with no obligations, please click this link to fill out our quote form 

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