How much does cremation pre-planning cost per month?

Cremation pre-planning through After.com starts as low as $25/month with no money down. Three plan tiers are available: Base ($25/mo), Crest ($30/mo), and Summit ($40/mo). Payment terms are typically 3-year or 5-year installments, or you can pay in full upfront. All plans include the core cremation service, transportation (25 miles), a dedicated care specialist, secure refrigeration, a cremation container, online obituary, and a year of grief support. Higher tiers add price-lock guarantees, travel protection, premium urns, and death certificates.

What does a basic cremation plan include?

A basic cremation plan from After.com includes everything needed for a complete direct cremation, starting at under $1,000 for immediate need. That covers: safe transfer of your loved one into their care, all required legal authorizations and permits, dignified cremation, a temporary scattering urn on request, a cremation container for those under 200 lbs, secure refrigeration for 3 business days, return of remains via USPS Priority Mail with tracking or local courier, an online obituary listing, a dedicated care specialist, and one year of grief support. What it does not include: embalming, viewing, funeral ceremony, casket, burial plot, or headstone.

What do I do when someone dies at home?

If your loved one dies at home without hospice, call 911 first, then call After.com at 844-905-2639. Emergency personnel will respond and make an official determination. Once that is complete, After.com coordinates pickup from your home. If your loved one is under hospice care, skip 911 and ask the hospice nurse to contact After.com directly. The nurse will coordinate the transfer, and After.com typically arrives within 1 to 2 hours. You are allowed to remain at home with your loved one for up to 24 hours before transport is required. After.com staff arrives in a discreet van, dressed professionally.

What do I do when someone dies at a hospital or in hospice care?

Notify the hospital or hospice facility that you have chosen After.com, and they will coordinate the release directly. You do not need to arrange transportation yourself. For hospice care at home, ask the hospice nurse to call After.com at 844-905-2639. Pickup typically happens within 1 to 2 hours. For hospital deaths, inform the hospital staff of your choice and the facility will authorize the release to After.com once paperwork is complete. After.com handles the transfer, documentation, legal permits, and all next steps. If your loved one pre-planned with After.com, the process moves even faster because their wishes and information are already on file.

How long does the cremation process take from start to finish?

The complete process from death to return of remains takes approximately 3 weeks, though it is often faster for pre-registered or pre-paid families. After.com picks up your loved one and places them in a climate-controlled facility within 24 hours. They then gather all required legal authorizations and permits, which depends on county processing speed and doctor certification timelines. The actual cremation happens in the days immediately following authorization. Remains are returned via USPS Priority Mail with tracking or local courier. Death certificates typically arrive within 2 to 3 weeks after cremation is completed.

Does the cremation company pick up the body?

Yes. After.com handles all transportation as part of their cremation service. Their team arrives in a discreet van, dressed professionally, and transfers your loved one safely into their care. Transportation is included for up to 25 miles in all plans. For at-home deaths under hospice, pickup typically happens within 1 to 2 hours. For hospital or facility deaths, After.com coordinates directly with the institution once they authorize the release. Your loved one is placed in a climate-controlled facility within 24 hours. You do not need to arrange any transportation yourself.

What happens to the body before cremation?

Your loved one is picked up by After.com's team, transported in a discreet van, and placed in a dignified climate-controlled facility within 24 hours. After.com does not perform embalming. The body is safely held in refrigerated storage while the team gathers all required legal authorizations, permits, and documentation. Once authorizations are complete, cremation happens in the days immediately following. There is no viewing or funeral service beforehand unless you arrange one separately. The body is cremated in a simple cremation container included in the plan for those under 200 lbs.

Do you need a funeral service before cremation?

No. Direct cremation means cremation happens without a viewing or funeral service beforehand, and that is exactly what After.com provides. You have complete flexibility to hold a memorial, celebration of life, or gathering on your own terms, either before or after cremation. Many families choose to hold an informal memorial at home, a park, or a meaningful location days or weeks later, without the time pressure and cost of a traditional funeral home service. If you do want a formal viewing or service before cremation, you would need to arrange that through a traditional funeral home separately, as After.com specializes in direct cremation only.

Why is direct cremation so much cheaper than a funeral home?

Direct cremation eliminates the most expensive components of a traditional funeral: embalming ($725+), casket ($2,400+), burial plot ($2,000+), vault ($1,400+), and venue and staff fees ($2,100+ base). The median traditional funeral costs nearly $9,000 according to the NFDA. Direct cremation involves a single transfer, the cremation itself, and return of remains. The simplicity is the savings. You can still hold a memorial or celebration of life separately, on your own terms and budget, without paying funeral home markup.

Is cremation more affordable than traditional burial?

Yes, significantly. Direct cremation can cost under $1,000, while the average traditional burial costs approximately $7,848. That is a savings of $6,000 or more. Traditional burial expenses include embalming ($725+), a casket ($2,400+), a cemetery plot ($2,000+), vault ($1,400+), headstone, gravedigger fees, and ongoing maintenance. Cremation eliminates all of those. After.com keeps costs low by operating online with upfront, transparent pricing and no hidden fees. Pre-planning locks in today's price and can be spread over monthly payments starting at $25/month.

What if I cannot afford cremation?

After.com offers flexible monthly payment plans through Lilypay with 3, 6, or 12 month installment options so you do not need to pay the full amount upfront. For pre-planning, you can start at $25/month with no money down. For immediate need, contact After.com at 844-905-2639 to discuss payment options. After.com direct cremation pricing is under $1,000 in many areas, which is already a fraction of the $7,848 average traditional funeral cost. Other options to explore: some states have indigent cremation programs through the county, veterans may qualify for VA burial benefits, and some nonprofits offer emergency funeral assistance.

Does life insurance pay for cremation?

Yes, life insurance can pay for cremation, but there is a timing problem: death benefits typically take weeks or months to process, and cremation costs are due upfront. That is why After.com recommends a separate pre-paid cremation plan even if you have life insurance. With a pre-plan, the cremation is already funded through a dedicated final expense insurance policy, so your family pays nothing out of pocket when the time comes. If you are relying on life insurance for an immediate need, your family will likely need to cover cremation costs upfront and wait for reimbursement. After.com offers flexible payment plans through Lilypay with 3, 6, or 12 monthly installments for immediate-need families.

Can I get cremation insurance or pre-plan with pre-existing health conditions?

Yes. After.com pre-plans use a final expense insurance policy, and acceptance is generally available regardless of health status. Unlike traditional life insurance that requires medical underwriting, preneed and final expense policies typically have simplified or guaranteed acceptance. The tradeoff is a two-year contestable period: if you pass within the first two years, the full benefit may not be paid out. After that period, you are fully covered. Pre-existing conditions do not disqualify you from pre-planning.

Does a cremation pre-plan transfer if I move to another state?

Yes. After.com pre-plans include out-of-area protection, and the underlying insurance policy is valid nationwide. Your premiums are paid to a national insurance carrier licensed in all 50 states, so your coverage follows you. Crest and Summit plans specifically include nationwide or international travel protection. If you want to switch funeral providers entirely, the policy can also transfer to another funeral home. You are not locked into After.com. When evaluating any preneed contract, always confirm it has a transfer clause so you can move without penalty.

Do I need my spouse or family approval to pre-plan my cremation?

No. You do not need anyone's permission to pre-plan your own cremation. A cremation pre-plan is a personal decision and a legal agreement between you and the provider. You are the policyholder and can designate any beneficiaries you choose. That said, informing your family is strongly recommended so they know your wishes and can act on your plan when the time comes. After.com allows you to name multiple beneficiaries and record your preferences so there is no confusion later.

How do I pre-plan cremation for myself without it feeling morbid?

Reframe it as a gift to your family, not a reminder of death. You are recording how you want to be remembered and celebrated, which is an act of love, not dread. The entire arrangement can be done online in minutes from your couch, so there is no somber funeral home visit. Focus on what you are preventing: your family making rushed $9,000+ decisions while grieving. Many people find that once it is done, they feel genuine relief. Think of it like writing a will: uncomfortable for five minutes, then peace of mind for years.

How does my family use my pre-planned cremation when the time comes?

Your family simply calls After.com, and the team handles everything from there. After.com files a claim with the insurance provider to access your policy benefit and coordinates all arrangements: transportation, authorizations, cremation, and return of remains. Your recorded wishes guide the process so your family does not have to make difficult decisions under pressure. The entire process typically takes less than two weeks. If the policy is fully paid, there is no cost to your family.

What if I miss a payment on my cremation plan or cannot afford monthly payments?

If you pass before completing payments, premiums already paid remain available toward your cremation services, with any shortfall owed by your family. There are no penalties for paying off your policy early, and you can choose 3-year or 5-year installment terms starting at $25/mo. If you have paid more than the cost of services, the excess is returned to your family. The key risk of lapsed payments is during the two-year contestable period. Contact After.com directly to discuss hardship options rather than simply stopping payments.

Can I change or cancel my cremation plan after I sign up?

Yes. You can cancel for a full refund within 30 days of signing. After the 30-day window, no refunds are available on premiums already paid, but the money stays allocated toward your future cremation services. You can pay off your policy early with no penalties, and the policy can be transferred to a different funeral home if you change providers. You have a risk-free month to decide, and even after that, your money is not lost.

What is included in a cremation plan and what is not?

All After.com plans include: honorable cremation, transportation (25 miles), secure refrigeration (3 business days), a cremation container, a temporary scattering urn on request, an online obituary, a dedicated care specialist, and one year of grief support. Not included unless you upgrade: price-lock guarantee (Crest and above), premium urns, death certificates beyond one, travel protection, fingerprint preservation, and financial account discovery. The Base plan carries a $75 administrative fee. Weight surcharges may apply over 200 lbs. Viewings, embalming, and funeral ceremonies are not part of any plan.

What is the difference between After.com and Neptune Society?

After.com is a fully online, transparent-pricing cremation provider. Neptune Society is a traditional preneed cremation chain with in-person sales and local offices. After.com lets you arrange everything online in minutes with upfront pricing, while Neptune Society typically requires consultations and has been known for sales pressure. After.com premiums go directly to a national insurance carrier, which protects your money if the provider ever closes. After.com plans start at $25/month. Both offer direct cremation. The core difference is a modern, transparent experience versus a legacy model.

How do I talk to my family about pre-planning my cremation?

Lead with your reason. You are doing this to protect them, not to be morbid. Frame the conversation around relieving their future burden: you do not want them making $9,000 decisions while grieving. Share that you have already looked into it and have a plan, which makes the conversation feel proactive rather than heavy. Cover where your documents are, what your wishes are, and who to call. Many families find the conversation brings relief and closeness. Pick a calm, everyday moment and keep it short.

How do I get a death certificate after cremation?

After.com orders death certificates on your behalf once the death is officially registered with the County Health Department. Certified copies typically arrive within 2 to 3 weeks after cremation is completed, though timelines vary by county processing speed and how quickly the attending physician signs off. The Crest plan includes 1 complimentary death certificate and the Summit plan includes 4 with 12 months of error protection. You will need certified copies for closing bank accounts, filing insurance claims, transferring property, and settling the estate. Most families need between 4 and 10 copies. Order enough upfront because reordering later takes additional time.

Can you divide cremation ashes between family members?

Yes, cremation ashes can be divided among family members. There are no laws prohibiting it, and it is a common practice. A typical adult cremation produces 3 to 7 pounds of remains, which is more than enough to share. You can use smaller keepsake urns, jewelry pendants, or other memorial containers to distribute portions among loved ones. After.com provides a temporary scattering urn with their plans, and you can purchase additional keepsake urns from any retailer. Just ensure the primary recipient listed on the cremation authorization agrees to the division.

What can I do with cremation ashes, including scattering?

You have many options: keep them in an urn at home, scatter them in a meaningful location, divide them among family, or transform them into memorial keepsakes. Common choices include scattering at sea, scattering in nature, planting with a memorial tree, placing in a columbarium niche, or burying in a cemetery. Keepsake options include cremation jewelry, glass art, diamonds, or reef memorials. After.com provides a temporary scattering urn on request with all plans. Always check local ordinances before scattering on public property. Many families choose a combination: keep some, scatter some, and share the rest with loved ones.

What do real customers say about After.com?

After.com holds a 4.9 out of 5 star rating across 932+ reviews, making it one of the most highly reviewed cremation providers in the areas it serves. Families consistently praise After.com for its transparent pricing, compassionate care team, and the simplicity of arranging everything online during an overwhelming time. Customers value that the price they see is the price they pay, with no surprise fees at a vulnerable moment. The high rating spans all service types: immediate need, passing soon, and pre-planning.

Cremation Cost in 2026: Average Prices & What Affects Them | After

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Cremation costs vary widely by service type and location. Direct cremation (no viewing or funeral-home ceremony) is typically the simplest and least expensive path; cremation with a memorial or full-service funeral costs more. National industry averages sit in the low thousands for direct cremation and higher when viewing and ceremony are added. Use the guide below to see what changes the price, and check live After pricing for your area.

Key takeaways

Direct cremation averages about $1,924 nationally, according to Funeralocity (2026). A funeral with viewing and cremation had a median cost of $6,280 in the NFDA's 2023 study. The biggest drivers of average cremation cost are the amount of ceremony you add, where you live, and extras like urns and extra death certificates. After shows one clear Base price for your area in the table below; confirm your ZIP on /pricing.

If you need help now, a Care Specialist is available 24/7 at (844) 905-2639.

Cremation cost by type

The type of cremation service you choose matters more than anything else. Direct cremation costs the least, and the price rises as you add a viewing, a ceremony, or both.

Direct cremation. Your loved one is brought into care, cremated, and the ashes are returned to you. There is no viewing, no embalming, and no funeral-home ceremony. Funeralocity reports a national average of $1,924 (2026). Many families hold their own gathering later.

Cremation with a memorial service. The cremation happens first. Then a service is held, often with the urn present, at a funeral home, place of worship, or elsewhere. Costs sit between direct cremation and a full-service funeral. The exact figure depends on the venue and what the funeral home provides.

Full-service cremation. This looks like a traditional funeral. It includes embalming, a viewing, and a ceremony, with cremation afterward. The NFDA puts the 2023 national median at $6,280, not including a cemetery niche, flowers, or an obituary.

Here is how those compare.

Service type	Industry figure	Source
Direct cremation	$1,924 national average	Funeralocity, 2026
Cremation with memorial service	Varies; between the two figures above and below	-
Full-service cremation (viewing + ceremony)	$6,280 national median	NFDA 2023 GPL Study

These are industry figures, not After's prices. Our price for your area is shown in the next section.

Sources: Funeralocity, "What Is Direct Cremation and How Much Does It Cost?" (Aug 2026); NFDA 2023 Member General Price List Study.

Live After pricing in your area

After offers all-inclusive direct cremation at one clear Base price for your area. You can see example market prices here, then confirm on /pricing.

After Base direct cremation prices by market (fetched from after.com pages on 2026-10-30, America/Denver). These are Base-plan figures shown on the cited pages. Confirm against /pricing before publish; prices can change by market and package.

Market	After Base (as shown)	Source page
Arizona (e.g. Phoenix)	$895	Arizona cremation, Phoenix
Colorado	$995	Colorado cremation
Las Vegas, NV	$995	Las Vegas
Dallasâ€“Fort Worth, TX	$995	Texas cremation, Dallas
Houston, TX	$1,170	Texas cremation, cremation cost Houston
California (starting at)	$1,095	California cremation
Oregon	$1,195	Oregon cremation
Utah	$1,467	Utah cremation
Washington	$1,499	Washington cremation, cremation cost Seattle
Wisconsin	$1,750	Wisconsin cremation
Florida (Miami, Tampa, Orlando, Jacksonville)	$995	Florida cremation
Illinois	$1,295	Illinois cremation
Indiana	$995	Indiana cremation

For your ZIP, see live pricing at /pricing.

This includes: transportation into care for up to 25 miles, refrigeration in a climate-controlled facility, filing permits and preparing the death certificate, a basic cremation container, the cremation itself, return of the ashes, and a dedicated Care Specialist.

After.com keeps costs low by operating online with upfront, transparent pricing and no hidden fees.

See full details on our pricing page, or call (844) 905-2639 to talk it through with a Care Specialist. We are here 24 hours a day.

What you're paying for

A cremation price covers a handful of real services, not just the cremation itself. Knowing them helps you read any quote.

Transport into care. Bringing your loved one from the place of death, whether a home, hospital, or care facility, to the provider's care.

Paperwork and permits. Filing the death certificate with the state, getting the cremation permit, and any medical examiner release. This takes staff time and must be done correctly.

Care before cremation. Refrigeration or other sheltering while permits are processed and the required waiting period passes.

The crematory fee. The cremation itself. The NFDA 2023 median for this single line item was $400.

A cremation container. A simple, combustible container is required. The NFDA 2023 median was $160.

Return of ashes. A basic container or temporary urn. A decorative urn is usually extra. The NFDA 2023 median for an urn was $295.

Death certificates. Certified copies are issued by the state or county for a per-copy fee. You will likely need several for banks, insurance, and accounts.

Source: NFDA 2023 Member General Price List Study.

Hidden fees to ask about

Some quotes look complete but leave out charges that show up later. A few direct questions can keep that from happening.

Ask about each of these before you agree to anything.

After-hours pickup. Some providers charge more for transport at night or on weekends.

Mileage. Many quotes include transport within a set radius. Beyond that, a per-mile fee may apply.

Refrigeration or sheltering. Some providers charge by the day while permits are processed.

The basic services fee. Funeral homes add a non-declinable fee for staff and overhead. The NFDA 2023 median was $2,459. Ask whether it is in the quoted total.

Medical devices. Pacemakers and some implants must be removed before cremation. Some providers charge for this.

Weight. Some providers add a fee above a certain body weight.

Death certificates and urns. Ask how many certified copies are included, if any, and what the return container is.

A good provider will answer every one of these plainly. If a provider cannot put the full total in writing, keep asking until they do.

Cremation cost varies by region

Where you live changes the price. The same direct cremation can cost hundreds of dollars more in one metro than another.

Prices tend to be higher in large coastal cities and lower in the Midwest and South, though there are exceptions. Local regulation, crematory availability, and the cost of doing business all play a part. A national average is a reference point, not a quote for your town.

After's Base price is set by location. See the market table above, then confirm on /pricing. For local detail, see our city guides: cremation cost in Houston, cremation cost in Los Angeles, cremation cost in Seattle.

Direct cremation: a closer look

Direct cremation is the simplest form of cremation and the one most families mean when they ask about cost. It skips the viewing and funeral-home ceremony entirely.

Because it leaves out embalming, a casket, facility rental, and staff for a service, it costs far less than a full-service funeral. It also means fewer decisions right after a death. You can still gather to remember the person later, wherever that feels right.

If you want cremation and no services at all, our guide to cremation without services covers that option in detail.

For the full process, what is included, and what to expect, read our direct cremation guide.

How to compare quotes

Ask every provider for a written, itemized price list and compare the same items side by side. Federal law gives you that right.

Under the FTC Funeral Rule, a funeral home must give you a General Price List (GPL) when you ask in person and must quote prices over the phone. Use this checklist when you compare:

Does the total include transport, permits, the crematory fee, the container, and return of the ashes?

How many death certificates are included?

What could be added later? Mileage, after-hours pickup, refrigeration, device removal.

Is the provider licensed in your state, and who performs the cremation?

Can you see the price online before calling?

Will they give you time to share options with family?

If one quote is much lower than the others, ask what it leaves out. If one is much higher, ask what it adds.

Why families choose After

Families who pick After usually want a clear price, licensed local care, and someone who answers the phone.

One clear Base price for your area. Table above; confirm on /pricing.
All-inclusive essentials. Transport (up to 25 miles), refrigeration, permits and death-certificate filing, container, cremation, return of ashes, Care Specialist.
Licensed care. After is legally licensed by the funeral boards in every state we serve. You can view After's current licenses at after.com/licenses.
Arrange by phone or online. Care Specialist 24/7 at (844) 905-2639.
Prepaid cremation plan if you are planning ahead → /prearrange.

4.86 average on Trustpilot from 1,312 reviews:

Communication was exceptional, so we were kept well informed at each stage of the process. Pricing clear with enough options to cater exactly to our wishes. Everything was smooth.

KP, 5★ on Trustpilot, Mar 26, 2025

They handled everything with so much care and respect, From the cremation planning to post service support, their team was compassionate, clear, and professional

Reed Chandler, 5★ on Trustpilot, Nov 23, 2025

every step of the process was clear and efficient. we felt very taken care of during such a profound loss. Ruy C., our care specialist, was incredibly kind and thoughtful throughout.

Emilio Svich, 5★ on Trustpilot, Oct 12, 2024

If you want to know more about who we are and how we work, our page on whether After is legitimate answers the questions families ask most.

Lock in the price you see with a prepaid cremation plan

A prepaid cremation plan lets you choose and pay for direct cremation now, at the price you see. Your family will not have to make these decisions, or find the money, later.

With After, you set up the plan online or by phone. Your wishes are on file. When the time comes, your family calls one number and everything is already in place.

Learn more at /prearrange.

Frequently asked questions

How much does cremation cost on average?

Funeralocity reports a national average of $1,924 for direct cremation (2026). The NFDA reports a 2023 median of $6,280 for a funeral with viewing and cremation, not including a cemetery niche, flowers, or an obituary. After's Base price for your area is in the table above and on /pricing.

What's included in an all-inclusive direct cremation price?

An all-inclusive price should cover transport into care, permits and death certificate filing, sheltering before cremation, the cremation container, the cremation itself, and return of the ashes. Ask what is not included, such as extra certified death certificates or an upgraded urn. After's all-inclusive Base inclusions: transportation into care for up to 25 miles, refrigeration in a climate-controlled facility, filing permits and preparing the death certificate, a basic cremation container, the cremation itself, return of the ashes, and a dedicated Care Specialist.

Why do some quotes look lower then rise?

Some quotes list only the crematory fee or leave out transport, the basic services fee, or permits. Others add charges for mileage, after-hours pickup, or refrigeration later. Always ask for the full itemized total in writing before you agree.

How long until ashes are returned?

Ashes come back within 7–14 days, depending on the delivery option the family selects: hand delivery, USPS delivery, or local pickup by the family. A Care Specialist will tell you what to expect for your area when you call (844) 905-2639.

Are online cremation providers licensed?

Reputable ones are. After is legally licensed by the funeral boards in every state we serve. You can view After's current licenses at after.com/licenses. We arrange funeral or cremation services online in every state we serve. Ask any provider which license they hold and in which state. You can learn more about arranging online in our online cremation guide.

Can the family decide together before we pay?

Yes. You can review prices and details online, share them with family, and have several people join a call with a Care Specialist. Nothing is final until you choose to proceed.

Direct cremation vs cremation with a service: what's the cost difference?

The difference is the service itself. Direct cremation skips embalming, a viewing, facility rental, and staff for a ceremony. Using industry figures, direct cremation averages $1,924 (Funeralocity, 2026) while a funeral with viewing and cremation had a median of $6,280 (NFDA, 2023). Many families choose direct cremation and hold their own memorial later.

Are payment plans available?

We offer flexible monthly payment plans exclusively through LilyPay, with options for 3, 6, 9, or 12 monthly installments. At this time, we are unable to accept county assistance programs. Your dedicated Care Specialist will guide you through the LilyPay payment process. A Care Specialist can walk you through the options at (844) 905-2639.

How do I start with After?

Call (844) 905-2639 any time, or start online at /pricing. A Care Specialist will guide you from there.

Arrange with After

Call (844) 905-2639 to reach a Care Specialist 24/7, or arrange online. If you are looking for a provider close to home, see our guide to cremation services near you. For the bigger picture on funeral spending, read how much a funeral costs.

‍

Dallin Preece

CRO, After.com - Cremation & Preplanning Divisions

Published Date:

August 1, 2025

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Cremation cost by type

Live After pricing in your area

What you're paying for

Hidden fees to ask about

Cremation cost varies by region

Direct cremation: a closer look

How to compare quotes

Why families choose After

Lock in the price you see with a prepaid cremation plan

Frequently asked questions

How much does cremation cost on average?

What's included in an all-inclusive direct cremation price?

Why do some quotes look lower then rise?

How long until ashes are returned?

Are online cremation providers licensed?

Can the family decide together before we pay?

Direct cremation vs cremation with a service: what's the cost difference?

Are payment plans available?

How do I start with After?

Arrange with After

Dallin Preece

Published Date:

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