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Funeral plans are a great idea if you or your loved ones want to avoid inflation and secure the price of your funeral ASAP. Getting an Affordable Funeral Plan means you pay a small monthly premium, which ensures that you and your loved ones are covered. A direct cremation plan is for those who don’t want to have a traditional funeral and instead want their family to remember them separately from the cremation. The Insider’s Guide to Funeral & Cremation Planning will walk you through inspirational ideas and the simple steps to planning an unforgettable memorial The money the funeral director receives from the life insurance policy is then used to cover the cost of the funeral services that you have requested. Let us guide you through the process. The cheapest funeral plan through all insurers is a funeral without service or ‘direct cremation’. Prepaid funeral plans let you pay for funeral services in advance through a contract with a funeral home. 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