How to Pay for a Funeral

Let’s face it, funeral costs can pile up fast, especially when you’re caught off guard by the loss of a loved one. Taking time to plan ahead and explore your payment options can help ease the burden during such a tough emotional period. At Phaneuf Funeral Homes and Crematorium, we’re here to simplify this process for you. Here are some payment methods that have proven effective for our clients :

Immediate Payment Options

To keep things fair and efficient for all families, we require payment before any services are provided. Here are the immediate payment methods we accept:

• Personal Check
• Bank Check
• Money Order
• Cash
• Credit and Debit Cards (Visa, MasterCard, Discover, American Express)
• PayPal

Pre-Payment Plans

One smart way to prepare is through pre-payment. By planning and paying for your funeral services in advance, you lock in today’s prices and ensure everything aligns with your wishes. This option can bring a lot of peace of mind to you and your family, helping ease financial worries when the time comes.

Life Insurance Assignments

You might not know that life insurance policies can actually be used to cover funeral costs. At Phaneuf Funeral Homes, we partner with Beta Capital, a reliable third-party firm, to manage life insurance assignments. While they do charge a 5% processing fee, this service makes the paperwork and claims process much smoother, relieving some stress during a challenging time. If you’re unsure whether your loved one had a life insurance policy, we suggest reaching out to the New Hampshire Insurance Department at (603) 271-2261 or consumerservices@ins.nh.gov for help.

Crowdfunding

Crowdfunding has emerged as a practical way to help cover funeral expenses, allowing friends, family, and even the broader community to pitch in. Many people want to lend a hand but aren’t sure how; crowdfunding provides a simple way for them to contribute directly.

Phaneuf Family Foundation

The Phaneuf Family Foundation is committed to assisting families in financial distress. This nonprofit provides financial aid of up to $1,000 per request to help cover funeral and cremation costs for families in New Hampshire and Vermont. Requests can be initiated by family members, funeral directors, hospice employees, social workers, or other advocates involved in the planning process.

Social Services Support

Phaneuf Funeral Homes works closely with social services through our sister company, which has specific policies to aid qualifying families. To learn more about potential social service assistance, please review our detailed policy online.

Your Peace of Mind Matters

Paying for a funeral doesn’t have to be overwhelming. Knowing your options ahead of time, and selecting a trusted partner like Phaneuf Funeral Homes and Crematorium, ensures you and your family are well-supported every step of the way.