An anonymous commenter who identifies her/himself as a funeral director has posted a magnificent rant to a Reddit thread, explaining all the ways that funeral directors con bereaved families into paying for things they don't need, like $5000 painted plywood boxes and "barbaric," environmentally degrading "mutilation" (embalming), which are often described as legal requirements (they aren't). The post is full of great intel and advice, including mention of the FTC funeral rule, which sets out your rights in clear, simple language. I didn't know that US law requires funeral directors to accept your own coffin, which you can get at your local big-box discount store or have delivered from a variety of sellers through Amazon.
I’ve seen funeral directors force-feed families absolute horseshit – saying anything – to get them to sign a contract. Here’s a hint: don’t sign any pre-printed “form” contracts. Most of the contracts we use are super vague, so we can charge you for just about anything and justify it by pointing to your signature on the dotted line. It is in your best interest to only agree to specific itemized charges – i.e., have the hearse but no limousines. Or have hair/makeup done without any embalming. The law is very specific and on your side, but we count on your ignorance and vulnerability.
Even better, find a trusted friend or family member who is more emotionally stable right now and appoint them as your lawyer/detective. You know that bitchy sister-in-law everyone has who makes major holidays a nightmare? I can spot her a mile away and will do everything I can to keep her out of financial discussions – because I know she will take that obnoxious nagging and throw it at me for every single penny I’m trying to get out of your family. See my co-workers standing around looking somber and respectful? They’re not there to just have a presence of authority, they are studying you. They are watching the family dynamic and will report back to me with any potential angles I can play to manipulate your emotions, which family members are taking it the hardest and will therefore be the easiest prey, and their estimation of your financial well-being. If, by the way, you appear to be less affluent, I’ll tell you to take your business elsewhere. This is not a hospital and I don’t provide a service – this is a business. If you aren’t paying me (in full and up front, generally), all you’re getting is my sympathy.
I write books. My latest is a YA science fiction novel called Homeland (it's the sequel to Little Brother). More books: Rapture of the Nerds (a novel, with Charlie Stross); With a Little Help (short stories); and The Great Big Beautiful Tomorrow (novella and nonfic). I speak all over the place and I tweet and tumble, too.