End-of-Life Planning Guide

Know All Your Options Before You Decide

A comprehensive, compassionate guide to ceremonies, disposition, and memorialization. Make an informed, meaningful decision with confidence.

Ways to Gather, Honor, and Say Goodbye

Each ceremony type can be personalized to reflect beliefs, culture, and personality. Choose what feels right for you and your loved ones.

Home Funeral

Family and friends care for the body in a private home. This may include washing, dressing, viewing, spiritual rituals, storytelling, or quiet time together. Embalming is not required. In many states, families can handle arrangements without a funeral director.

Funeral Service

A structured ceremony where the body is present. May include a visitation or viewing period, readings, music, eulogies, and cultural or religious traditions. Embalming is optional. After the funeral, the chosen form of disposition follows.

Memorial Service

A ceremony held without the body present. Cremated remains or photos may be displayed. This option allows flexibility in timing and location, and can occur days, weeks, or months after death.

Graveside Service

A ceremony held outdoors at the burial site. May involve prayers, readings, military honors, or symbolic gestures such as placing flowers or soil on the casket.

Burial at Sea

A meaningful option for those connected to the ocean. Cremated remains or whole bodies may be placed at sea following federal regulations. Families can often accompany the vessel to participate in the ceremony.

What Happens to the Body

Disposition refers to the final handling of the body. Each method has specific requirements, options, and considerations.

Burial

Traditional Burial

The body is placed in a casket and buried in a cemetery plot. A vault or grave liner is often required by the cemetery. Embalming is optional but commonly chosen when there will be a viewing.

Green or Natural Burial

An environmentally friendly option using biodegradable materials such as a shroud, wicker casket, or simple wooden box. No vault is used. Embalming with formaldehyde is not permitted; refrigeration or dry ice is used instead. Burial takes place in a natural setting or green cemetery.

Cremation

Cremation uses heat to reduce the body to bone fragments, which are then processed into fine remains. Services can be held before or after cremation.

Container

A cremation container is required. Options include cardboard, unfinished wood, or other combustible materials. A rental casket may be used for viewing before cremation.

Urn Options

Remains can be placed in a variety of urns: wood, metal, ceramic, biodegradable, keepsake urns for sharing, scattering tubes, or custom art urns.

Burial of Cremated Remains

Cremated remains may be buried in a cemetery plot, placed in a columbarium niche, scattered in a permitted location, or kept at home.

Alkaline Hydrolysis (Aquamation)

A water-based process using warm water and alkali to gently accelerate natural decomposition. The process produces remains similar to cremation.

Container

No casket is required. The body is placed in the chamber with a simple biodegradable shroud or no covering at all.

Urn Options

Families receive processed remains and may choose the same urn options as cremation: display urns, biodegradable urns, keepsake urns, or scattering tubes.

Burial Options

Remains may be buried in a cemetery, placed in a niche, scattered, or kept at home, just like cremated remains.

Natural Organic Reduction (Human Composting)

The body is placed in a vessel with organic materials such as wood chips and straw. Over several weeks, natural processes transform the body into nutrient-rich soil.

Container

No casket or vault is used. A simple biodegradable shroud covers the body. Embalming is not permitted.

Soil Options

Families typically receive one cubic yard of soil. They may take all of it home, receive a portion, or donate some or all to conservation land or forest restoration projects.

Soil Designation

Soil can be used in a private garden, placed around a memorial tree, spread on family land, or donated to partner organizations for ecological restoration.

Creative Ways to Honor a Life

Meaningful options to remember and celebrate a loved one after disposition.

Merchandise-Based Options

  • Mushroom or infinity burial suit
  • Tree pod with cremated remains
  • Art glass sculptures or jewelry
  • Eternal reef structure
  • Vinyl record with audio recording
  • Painting with cremated remains incorporated
  • Walking stick with scattering compartment
  • Keepsake jewelry containing remains
  • Custom ceramic or wood urns

Service-Based Options

  • Space flight memorial (symbolic portion of remains)
  • Eternal reef placement ceremony
  • Soil donation for forest restoration
  • Witness cremation ceremony
  • Scattering charter by air or sea
  • Family participation in green burial
  • Memorial tree planting ceremony

Family Participation

Many providers allow families to be present or participate in meaningful ways. For eternal reef placements, families can often accompany the remains to the facility, participate in the casting ceremony, and later join a boat trip to place the reef in the ocean. Ask providers about their policies for family involvement.

Make It Uniquely Meaningful

Every arrangement can be customized to reflect personality, beliefs, and wishes.

Ceremony Personalization

  • Favorite music or live musicians
  • Personal readings or poetry
  • Storytelling and open-mic memories
  • Cultural or religious rituals
  • Custom clothing or themed attire
  • Memory tables with photos and objects
  • Video tributes
  • Special venue or outdoor location

Family Participation

  • Washing and dressing the body
  • Building or decorating the casket
  • Carrying the casket (pallbearers)
  • Lowering the casket or urn
  • Placing flowers or soil
  • Witnessing cremation
  • Accompanying remains to reef placement
  • Participating in soil return ceremony

"We Just Want a Cremation"

Even a simple cremation involves several choices. Understanding your options helps ensure the arrangement is meaningful.

Questions to Consider

  • Do you want any ceremony before cremation, or a memorial service after?
  • Would you like to be present when cremation begins (witness cremation)?
  • What type of container should be used for cremation?
  • What kind of urn do you prefer, or will remains be scattered?
  • Where should the remains be placed: cemetery, niche, scattered, or home?
  • Are there any keepsakes you would like, such as jewelry or art glass?
  • Should a portion of remains be shared among family members?

With or Without a Funeral Home

Direct cremation can be arranged through a funeral home or, in some areas, directly with a crematory. Either way, families should understand all available options including ceremony timing, container choices, urn selection, and final placement of remains.

Compatibility and Conflicts

Some choices are not compatible with each other. Review these common conflicts before finalizing plans.

Embalming + Natural Organic Reduction

Embalming chemicals are not permitted for human composting. Choose refrigeration or dry ice instead.

Embalming + Green Burial

Traditional embalming fluids are not allowed. Only non-toxic, biodegradable alternatives may be used if preservation is needed.

Embalming + Whole-Body Sea Burial

Federal regulations may prohibit embalming for full-body burial at sea. Biodegradable materials are required.

Viewing + Immediate Cremation

If a viewing is desired, cremation must be delayed. A rental casket can be used for the viewing.

Vault + Green Burial

Green burial grounds do not allow vaults. Traditional cemeteries often require them.

Religious or Cultural Restrictions

Some traditions prohibit cremation or require rapid burial. Verify that your chosen method aligns with your beliefs.

Questions to Consider

Use this checklist to ensure you have considered all your options before making a decision.

  • Do you want your body present at any ceremonies?
  • What form of disposition aligns with your values?
  • Do you want a ceremony before disposition or a memorial after?
  • How should your remains or soil be handled long-term?
  • What memorialization options reflect your personality?
  • Are any of your selections in conflict with each other?
  • How involved do you want family members to be?
  • Have you communicated your wishes clearly in writing?

From Understanding to Action

Use these practical tools to move from exploring options to making concrete plans.

1

Readiness Checklist

Assess where you are in the planning process.

  • Have you discussed wishes with family?
  • Do you understand available options?
  • Have you researched local providers?
  • Are your preferences documented?
  • Have you considered your budget?
2

Budget Considerations

Understand cost factors for informed planning.

  • Professional service fees
  • Ceremony venue and officiant
  • Casket, urn, or container
  • Cemetery plot or niche
  • Transportation costs
  • Memorialization items
  • Death certificates (multiple copies)
3

Document Organizer

Important documents to gather and organize.

  • Legal identification (birth certificate, ID)
  • Social Security information
  • Military discharge papers (if applicable)
  • Insurance policies
  • Pre-need funeral contracts
  • Cemetery deed or plot information
  • Will and advance directives
4

Planning Timeline

When to consider different planning stages.

  • Early: Research options and discuss wishes
  • Ongoing: Update documents as needed
  • Pre-need: Consider pre-planning arrangements
  • At-need: Immediate decisions required
  • After: Finalize memorialization choices

Questions to Ask Providers

Be prepared when meeting with funeral homes, crematories, or other service providers.

General Questions

  • What is included in your basic service fee?
  • Can I see a complete itemized price list?
  • Are there packages, or can I choose individual services?
  • What forms of payment do you accept?
  • Do you offer payment plans?
  • How long have you been serving this community?

Ceremony Questions

  • Can we hold the ceremony at a location of our choice?
  • What personalization options do you offer?
  • Do you provide officiant services?
  • Can family members participate in the service?
  • Is there flexibility in scheduling?
  • What technology is available (video, streaming)?

Disposition Questions

  • What container options are available?
  • Can I bring my own casket or urn?
  • Is witnessing cremation allowed?
  • How long does the process take?
  • What are my options for remains placement?
  • Do you offer green/natural options?

Documentation Questions

  • What documents do you need from us?
  • How many death certificates should we order?
  • Who handles permits and authorizations?
  • When will we receive the death certificates?
  • Can you help notify Social Security/VA?
  • What records will we receive after services?

What to Expect by Disposition Type

Aspect Traditional Burial Cremation Green Burial Aquamation
Typical Timeline 3-7 days 2-5 days 2-5 days 3-7 days
Key Documents Death certificate, burial permit, cemetery deed Death certificate, cremation authorization Death certificate, burial permit Death certificate, disposition authorization
Container Required Casket + vault (usually) Cremation container Biodegradable only None (shroud optional)
Availability Widely available Widely available Limited locations Limited (21 states)

Additional Help and Information

Planning can be emotionally challenging. These resources provide support and additional guidance.

Grief Support

  • National Alliance for Grieving Children - Support for families with grieving children
  • GriefShare - Faith-based grief recovery support groups
  • The Compassionate Friends - Support for bereaved parents and siblings
  • AARP Grief Programs - Online and community resources for older adults
  • Hospice Foundation of America - End-of-life education and support

Cultural & Religious Considerations

  • Jewish Tradition: Burial typically within 24-48 hours; cremation traditionally prohibited
  • Islamic Tradition: Burial as soon as possible; cremation not permitted
  • Hindu Tradition: Cremation preferred; ceremony led by family
  • Buddhist Tradition: Cremation common; timing may vary by sect
  • Catholic Tradition: Cremation now permitted; ashes must be kept in sacred place
  • Note: Consult with religious leaders for specific guidance

Consumer Protection

  • FTC Funeral Rule: Requires itemized pricing and protects consumer rights
  • State Licensing Boards: Verify provider credentials and file complaints
  • Better Business Bureau: Check provider reputation
  • NFDA: National Funeral Directors Association ethical standards

Planning Resources

  • AARP End-of-Life Resources: Comprehensive planning guides
  • Funeral Consumers Alliance: Non-profit consumer education
  • Green Burial Council: Find certified green burial providers
  • National Home Funeral Alliance: Information on family-directed care
  • Veterans Benefits: Contact VA for military funeral honors eligibility

Important Disclaimer

This guide is for educational purposes only and does not constitute legal, financial, or medical advice. Laws and regulations vary by state and may change. Always consult with licensed professionals in your area for specific guidance regarding your situation.