All I know is when my mother in law died the funeral home that had her body charged us almost $10k to cremate her, put her in a casket, and bury her. And this did not include the head stone. My wife and I had to put it on a credit card as my mother law died unexpectedly and we did not even know if she had life insurance because she had no will either. I would strongly advise pre-paid so people can avoid getting gouged like we did. I think a lot of these complaints are people stressed out and not being familiar with what to do when a love one dies. Bottom line is if you wait until after you are dead your family members can’t even grieve your loss because they are under so much financial stress from the cost it is unbelieveable. I had no idea burying someone cost that much. It is all a scam no matter who you use.