Month: July 2024

The Memorial Park building and grounds are a place where the local community connects with nature. Innovative construction techniques bring out the natural qualities of the building materials while integrating with the site’s geographic and historic context.

The experience begins in a lower level curatorial space that showcases the local war history. Visitors are then guided through the memorial walls into a serene park space where they encounter meaningful adjacencies of names and meanings.

The History

Memorial Park is one of the village’s most beautiful places for residents to compete in sports, discover nature and engage with each other socially. It is also home to the village’s most fitting September 11th memorial, the Veterans Memorial, dedicated in honor of all villagers who have served this country.

In 1917 the government took advantage of Houston’s climate and location to build Camp Logan – a training center for troops who would be sent abroad to fight in World War I. Thousands of soldiers trained here under the strict etiquette and careful coaxing of Army drill sergeants.

After the war ended, the acreage of the abandoned Camp Logan became Memorial Park under the watchful eye of the Hogg family. In 1948 renowned landscape architects Hare & Hare were hired to design the core of what is now the Park. The Park has been the scene of many joyful and sorrowful events over the years.

The Memorial Walls

The main attraction in the park is a series of large, concave concrete slabs engraved with names of local veterans. The slabs are arranged in two pools, one on each side of the memorial. The names range from World War I to Afghanistan.

The park’s other monument is the Police Memorial Wall, which features two dedicated tree groves to memorialize the law enforcement officers who lost their lives in the line of duty. The park also contains a 9/11 Survivor Tree, which is a Callery pear tree that was one of the only trees to survive the September 11, 2001 terrorist attacks in downtown Manhattan.

The newest addition to the memorial park is the Gold Star Monument, built in compliance with style guidelines set by the Woody Williams Foundation and Delaware Gold Star families. The monument is unique in that it has a void design, symbolic of the missing family members, who have died in service to their country.

The Peace Statue

The Peace Statue is the centerpiece of Memorial Park. It is the place where people go to reflect on the power of the human spirit. The statue represents the world reaching out to one another.

The Hiroshima Peace Memorial Museum and Cenotaph for the A-bomb Victims are also a must see. The museum explains what happened in the city of Hiroshima before, during, and after the bombing through original photographs, lifelike models, recovered items, and detailed descriptions.

The NYC AIDS Memorial honors the lives of over 100,000 New Yorkers who died of AIDS (acquired immune deficiency syndrome). The memorial recognizes their caregivers and activists who helped care for the sick, fight discrimination, lobby for medical research, and alter the drug approval process. The memorial also aims to inspire current and future activists, health professionals, and individuals living with HIV in the ongoing quest for global health and peace.

The Veterans Memorial

The main seating area is a large section of aluminum bleachers that run down the first base line. Behind home plate sits a log cabin-style press box.

A small section of padded wooden light towers stand in-play, and there is also a scoreboard located behind the right field wall.

Over 3,000 names of the dead of the Arizonans killed in wars and conflicts are displayed on a wall that overlooks the Colorado River. The names are engraved in bronze and are mounted on flagpoles with 50 stars representing the states of the country.

Memorial Park is a natural environment of beauty and peace for quiet meditation. The park’s natural, forested setting is unique and provides a sanctuary for our community to come together socially and compete in sports. Memorial Park is also a place for all citizens to remember and honor their family and friends who have served the nation in the military. Personalized engraved bricks can be purchased for this purpose.

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Some funeral directors enter into agreements with groups such as religious or burial societies to arrange arrangements at special prices for their members. You may offer these packages as you choose, but you must still provide a General Price List and all other Rule disclosures.

You must offer a printed or typewritten Outer Burial Container Price List upon beginning the discussion of outer containers. You may also use a notebook or brochure, but the contents must be clearly visible.

General Price List

Planning a funeral can be stressful and emotional. Families are often under time constraints and on-the-spot decisions must be made. It’s important for consumers to understand the average funeral cost and price shop to uncover savings.

NFDA is proud to help consumers with this through Funeral Advantage, which helps policyholders find the best deals on funeral items and services. In fact, in 2017 alone, we saved our policyholders thousands of dollars.

The GPL must describe the prices for each type of direct cremation you offer, including any package prices that contain both the cremation and service options. It must also include your prices for transportation by livery of the remains or a container.

You must give out a GPL even when the discussion of prices and arrangements does not take place in your funeral home or office, such as when removing the body from the hospital or nursing home. Your employees should carry extra GPLs with them for this purpose.

Casket Price List

A casket is a metal or wooden container that encloses the body and serves as a place to hold a funeral service. It is the most expensive item that most consumers buy when making full-service arrangements. You must offer families your Casket Price List before they discuss or view a casket.

Many funeral homes rent outer burial containers to customers who want a cremation, eliminating the need to sell them. If you do this, your GPL must describe these options and include prices for a casket and an inexpensive unfinished wood box or alternative container that you regularly offer.

The Rule does not prohibit you from entering into agreements with organizations or societies that provide members with packages of funeral goods and services at a discount. However, you must still make your General Price List available to anyone who inquires about funeral arrangements. This includes representatives of religious groups, burial or memorial societies, government agencies and consumer organizations.

Outer Burial Container Price List

If your funeral firm offers packages that include a casket and outer burial container, the price for the package must be stated. This information must also be given to consumers who inquire about the cost of an outer burial container separately.

You must list the prices for forwarding of remains, receiving remains, direct cremation and immediate burial on your GPL, along with the basic arrangements you offer. The prices for these items must include the fee for transferring the remains to your funeral home, holding an arrangement conference, securing necessary authorizations and coordinating service plans with parties involved in the disposition of the body.

You must show a GPL to anyone who wishes to change funeral goods and services bought under a pre-need contract or to a survivor who must pay additional charges because prices have increased since the time of the original purchase. You may add the prices of certain special funeral arrangements, such as those for children or infants, to your GPL. Otherwise, you must prepare a separate price list for these arrangements.

Statement of Funeral Goods and Services Selected

In addition to a General Price List and Casket Price List, a funeral home must provide consumers with an itemized Statement of Funeral Goods and Services Selected before any payment or contract is made. This document is meant to help consumers understand the specific goods and services they have selected, as well as how much they will cost.

The Statement of Funeral Goods and Services Selected must also include a written explanation of why the consumer is charged for any particular service. For example, if you are charging for embalming because it is required by the cemetery or funeral home or is a legal requirement, this should be noted on the Statement.

You must give a completed Statement of Funeral Goods and Services to the consumer at the end of the arrangements conference. Mailing or handing a consumer a copy at some later date does not meet the requirements of the Rule. You may use a book that contains photographs of the outer burial containers you offer if you prefer to do so instead of providing individual price lists.

Mortuaries and cremation centers can be in the same physical location, but they function very differently. Mortuaries are less expensive than funeral homes and offer a more direct approach to dealing with the body after death, including a brief viewing for immediate family members and onsite cremation services.

This is because mortuaries focus on mortuary science rather than comfort or opulence.

Preparation of the Body

Preparing the body for a funeral is a process that carries significant cultural and religious significance. It is also an important step in the grieving process, helping individuals say their final farewells and gain closure. The role of morticians in this process is integral and requires a deep understanding of the physiological, anatomical, and emotional aspects involved.

In general, body preparation starts with washing and sanitizing the deceased. From there, the mortician may embalm the body (if requested), dress the body in a casket or shroud (in accordance with family requests or traditional funeral practices) and apply cosmetics to enhance appearance.

Many of these steps are based on the individual’s wishes, religious beliefs and culture. Morticians approach each task with sensitivity and compassion, ensuring that the body is prepared according to the individual’s final wishes. This is often a comforting and healing experience for families. Other steps in the process include arranging services, transporting the body and storing the remains for burial or cremation.

Autopsy

Autopsies are thorough surgical examinations of the body, inside and out. They document injuries, examine organs for signs of disease and determine the cause of death. An autopsy may be complete or limited depending on the circumstances. Most states allow people to opt out of an autopsy on religious grounds. However, most medical examiners still require an examination when it is needed to investigate a homicide or public health threat. The legal next-of-kin can request copies of the pathologist’s report from the hospital, for a fee.

In the course of an autopsy, special studies might be performed such as tissue culture for infectious diseases or chemical analysis to identify drug levels. Small samples of organs are often preserved in formalin for future examination, microscopy and archiving. The incisions made to perform the autopsy are sewn up by a forensic pathologist or diener, and they are not visible during an open casket funeral service. The cadaver’s clothes are replaced before the body is returned to the mortuary.

Burial or Cremation

When a loved one’s body is going to be interred or cremated, a mortuary helps with the final arrangements. This includes cooling the remains and keeping them refrigerated until they are retrieved by the funeral home.

The mortuary staff also ensures that the person’s identity is correctly confirmed through various checks and documentation. The body is then embalmed if it’s to be displayed for a viewing or other services, and this sanitizes and preserves the appearance of the body and restores a natural, peaceful look.

Burial is a more traditional option, and it’s favored by many Christians who believe in the resurrection of the body. It’s also the preferred option for some Jewish and Islamic families.

A funeral home typically offers a full range of services, including embalming, a meaningful funeral service and on-site burial or cremation. It can also help you with memorial products and a beautiful space for a memorable ceremony. Standalone morgues and mortuaries tend to only focus on autopsy, preparation and basic burial or cremation.

Memorial Services

Some people may have a negative perception of morticians because of the stigma attached to their profession, but that’s changing. This is due to an increased awareness and understanding of how important funeral directors are in the grieving process.

Generally, standalone morgues won’t have a funeral director and will only focus on cooling and preserving the body until it can be retrieved by family or transported to a funeral home. A mortuary that’s attached to a funeral home can provide full services, including embalming and a meaningful funeral or onsite burial and cremation.

In addition to funerals, memorial services are a popular way for families and friends to celebrate and honor the life of their loved one. A graveside service, which can be a standalone event or can follow a traditional funeral, is another option. With this type of memorial, the urn is present, and guests can pay their respects before the casket is lowered into the ground or into an urn niche within a columbarium.

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While the terms graveyard and cemetery are often used interchangeably, linguistic precision is valued for those who want to be clear about the distinctions between the two. Specifically, graveyard refers to burial sites within church grounds, while cemetery is more likely to be an independent site that is not affiliated with any particular place of worship.

Origin

A graveyard is land devoted to the burial of humans and their cremated remains. It is a place where final ceremonies take place, often in accordance with religious tradition. It may also be referred to as a cemetery, though this is more often used in the context of any burial ground that is not attached to a church.

The single word that distinguishes a graveyard from a cemetery is the fact that it has been specifically designated for burial. A graveyard is not a random patch of ground that happens to be beside a church, and it has much more strict rules about what can and cannot be done there.

The origin of the term is unclear, but it is believed to be related to the Greek koimeterion, which means sleeping place. The modern meaning is a place where people sleep spiritually. This is distinct from a memorial park, which is a space where people are not buried but simply commemorated.

Function

As time went on, church graveyards began to run out of space. This led to non-church-associated cemeteries being established. These often had a lot more space to accommodate different faiths as well as modern family plots.

These types of graves are referred to as green or natural burial sites. Unlike traditional burials where the remains are embalmed, these sites allow for rapid decomposition and return of the body to the earth.

Depending on where the person was laid to rest, these sites may also be referred to as a graveyard or cemetery. Many people use the terms interchangeably but there are important differences between them. It’s important to understand those differences so that you know what type of location you are visiting when talking about your loved ones.

Design

A cemetery is a unique space that must be designed in a sensitive manner. Good design starts with analyzing the site and preparing a cemetery master plan. This plan provides a roadmap for the development of the cemetery and ensures that all components fit together.

It is also important to consider the aesthetics of a graveyard. Some people choose to decorate their loved one’s graves with flowers and other items. Some even choose to add decorations based on the season. Others choose to keep the decorations simple and unified with the headstone.

When choosing decorations, it is important to avoid anything that could be blown away or broken. This includes glass objects, such as jars and picture frames, as well as fencing. It is also important to avoid decorating the grave with anything that would be a hazard for other visitors to the cemetery. For example, if you want to hang a flag, it should be secured so that it does not blow onto other graves or hurt people.

Maintenance

Graveyards require careful maintenance to protect their important features. This includes the monuments, buildings, gates and enclosures, and the flora and fauna that contribute to their significance. In general, any work which involves disturbing the ground should be carried out with the supervision of an archaeologist or historian.

The care and maintenance of individual graves is generally the responsibility of families but can become a major maintenance issue. Graves that are regularly visited by visitors often begin to sink or lean – a process called ‘grave subsidence’. This is a natural occurrence that will resolve itself over time, but it can be unsightly.

The insertion of pathways in a graveyard should be carefully planned and designed to ensure that they do not interfere with or detract from the historic layout. In addition, any alterations to tilting monuments should only be undertaken with the advice of a stone mason. The removal of graffiti from gravestones should also be undertaken with specialist advice.

A cemetery needs to be both beautiful and functional. Saying goodbye to a loved one is an emotional event and the design must reflect this.

Once the programming and analysis are complete the cemetery master plan can begin to take form. The development process should be based on a fixed time frame and the project must have a clear scope of work.

Consider Your Visitor Demographics

As the world becomes more urbanised with higher density, space for cemeteries has become scarce. This problem has prompted many new cemetery developments to adopt innovative design solutions in order to cope with their limited space.

A common difference between graveyards and cemeteries is their association with a church. Graveyards are traditionally run by a church and located on the grounds of that church, while cemeteries are non-church associated and often quite expansive.

Mourners often like to leave flowers on the gravestones of their loved ones, especially in modern cemeteries. This has led to many designs of columbarium walls, which include a clip beside each plaque so mourners can place a small posy on their relative’s niche. These clips have been designed to be easily spotted and have a minimal maintenance requirement. This allows mourners to show their affection for their departed relatives without detracting from the overall design of the wall. However, these innovations have their shortcomings as well.

Make Your Property Accessible

In an effort to address the scarcity of burial space, a cemetery in Japan has created a design that resembles an apartment building. While the design is beautiful, they aren’t willing to give away the technology that makes it work because they don’t want others to steal their idea and use it for themselves.

They also don’t want people to copy their unique culture and afterlife aesthetics. This is important because they don’t want the cemetery to be a place that gives people negative feelings.

In addition to the innovative strategies listed above, there are many other ways that cemeteries can make their properties greener and more accessible. One way is to allow natural or conservation burials. These are more environmentally friendly because they do not require a vault to be buried and can help trees grow around the grave site. However, these types of graves usually require a larger endowment fund to cover ongoing maintenance expenses.

Make Your Property Green

As people strive to live a green life, many are looking for ways to continue doing so after death. Traditional funerals release un-degradable materials and toxic chemicals into the ecosystem, but eco-friendly alternatives allow for burials that are better for the environment.

One option is to plant a tree on the grave site, such as with the Ruriden cemetery in Japan. Another is to scatter ashes in a conservation spreading forest, such as with the Better Place Forests project.

Other options include a hybrid burial ground, a natural or biodegradable casket, or an alternative to cremation such as interment of remains in a bios urn that can be planted with trees. These innovative strategies aim to solve the issues of space, nature and cultural significance that are associated with modern cemetery design. They also help to create a more resilient landscape that can adapt to change. These strategies will be vital in the future as urban populations rise and land becomes more scarce.

Consider Signage

Signage is one of the most important parts of a cemetery design. It communicates important information to visitors, including the property’s rules, location, and layout.

Cemetery signage can be subtle and elegant, or it can be more prominent, depending on the preferences of the cemetery’s visitors. Regardless of the type of signage, it should always be easy to read and understand.

Modern technology is a great way to update a cemetery’s signage. For example, digital signage can be used to display maps, provide general information, and share burial records with the public.

With today’s land shortage, it is becoming increasingly important for cemeteries to have multiple functions in addition to burial grounds. Harboring lands to avoid water runoff, developing forestry, or even creating public parks are all ways that cemeteries can become more public spaces and benefit society.

A Cemetery is a place where the mortal remains of dead people are buried. It is often independent of a church. However, religious practices may be followed.

When visiting a cemetery, be sure to take the time to look around. You never know who might be buried near your ancestors.

It’s a place of rest

A cemetery is a place of rest, and this is a place that people visit regularly. It is a beautiful place to walk through and see many different types of headstones that display the skills of craftsmen of the past. The graveyard is also a place of reflection, and it is an opportunity to share memories of lost loved ones.

Visiting the tombs of your deceased loved ones is an important part of many religious traditions. It helps you to remember them, and it allows you to retell their stories to the next generation of your family. It also connects you to a faith tradition that sustains the dead and awaits to sustain you.

The word cemetery comes from the Latin coemeterium, which itself is derived from the Greek term koimeterion. During the Middle Ages, wealthy and influential Christians were typically interred inside churches in crypts beneath their floors, while less privileged congregants were buried in a section of the churchyard called the graveyard.

It’s a place of worship

A Cemetery is a place of worship where people come to visit, pay their respects and honor the memory of the dead. It is also a place where people can find comfort and hope in the face of death. A Cemetery can be owned by a religious order, municipality, fraternal organization or association. Its ownership structure determines the mix of burial options and memorial services it offers its customers.

It is important to understand that a Cemetery is a special place with unique rules and regulations. These rules are meant to protect the dignity of those buried there and to preserve the cemetery grounds for future generations.

Until recently, the majority of the dead were interred in churchyards. But as churchyards became full, cemetery grounds were established as separate locations for the burial of the dead. This was a new concept at the time. The modern cemetery has become a place for the whole community and serves many different purposes, such as commemoration and mourning.

It’s a place of healing

Visiting a loved one’s grave can be a difficult experience, but it’s also an important step on the path to healing. For some, it may help them to come to terms with their loss and move on with their lives. It can also provide a sense of closure and finality.

Whether you are religious or not, a cemetery can provide a peaceful place for introspection and grieving. It can also be a time to reassess your values and priorities, fostering personal growth.

Unlike churchyards, cemeteries are usually not affiliated with a particular church. They are also typically larger in size, as they were built after the churchyards became full. They are also more organized than graveyards, as they have individual niches for the interment of the dead. Moreover, they have an etymological history that dates back to the Middle Ages when wealthy congregants were buried in crypts inside the church while poorer people were buried outside the church.

It’s a place of learning

Educators have long used cemeteries as learning spaces, taking advantage of the unique educational opportunities they offer. In a time when COVID-19 stay-at-home orders have many schools closed, a cemetery can provide a quiet space to visit and learn about local history and culture.

Cemeteries are part of a community’s collective memory, and they can be places for reflection and honoring the dead. They also encourage contemplation of mortality, which can lead to a shift in perspective that allows us to appreciate the gift of life.

While the terms graveyard and cemetery are often used interchangeably, they are not synonymous in most contexts. Traditionally, graveyard has meant a burial ground on church grounds while cemetery refers to a modern separate burial site. The difference is subtle, but the use of a different term reflects new ideas about death and the afterlife. Both types of sites have a significant impact on the lives of families and communities.

Memorial Park has been home to both the pleasant and unpleasant. It was the site of anti-Vietnam war protests by young activists.

The Gold Star Monument is the newest addition to the Park. Designed in accordance with style guidelines from the Woody Williams Foundation, it commemorates Delaware Gold Star families.

Memorial Walls

The central feature of the memorial park is a massive wall that lists the names of all village residents who lost their lives in service to the nation. Two bronze statues of veterans standing at the entrance to the main plaza also serve to connect the living with those who have died.

One of the walls points toward the Washington Monument and the other toward the Lincoln Memorial, meeting at their apex where the names begin and end. Beginning with 1959 inscribed on Panel 1 East (1E) and continuing through the 70 panels listing names, the list is arranged by date of casualty.

After negative reactions to Maya Lin’s original design, the Memorial was expanded with a flagstaff and figurative sculpture designed by Frederick Hart.

Wall of Remembrance

The Wall of Remembrance is a powerful tribute to the men and women who gave their lives in the service of the nation. The names of those lost are engraved on 70 separate panels. The names begin at one end of the memorial and finish in the center, forming a circle that conveys the enormity of the number of casualties.

The memorial also honors the first responders who made the ultimate sacrifice on September 11th. Three 30 x 12 granite panels contain the laser-engraved portraits of 417 Brooklyn firefighters, 37 Port Authority Police Officers and NYPD K-9 Sirius.

A callery pear tree, known as the Survivor Tree, serves as a symbol of strength and resilience.

Peace Statue

When Sadako Sasaki died in 1945 from leukemia attributed to radiation from the atomic bomb, her classmates suggested building a monument for her. They later expanded the movement to console all the children who died. Their story inspired a worldwide response, resulting in the offering of thousands of colored origami cranes each year at the Children’s Peace Monument.

The memorial’s centerpiece is a classically dressed figure draped with an olive branch and surrounded by symbols of peace and industry, including an angle, gear, a book and dividers. It was designed by Seward Johnson and is a short walk from other military monuments. The sculpture will be on display for the next half year.

Tribute in Light

Six months after the attacks, and each year since, two twin light beams reflect the shape and orientation of the original Twin Towers in the night sky over Lower Manhattan. The public artwork is a reminder of both those lost and the unbreakable spirit of the city that rebuilt.

While the Tribute has become a symbol of hope, it also endangers birds migrating at night. Continuous, bright, direct light interferes with cues birds use to navigate the night sky and can disorient them to the point of exhaustion or collisions.

NYC Bird Alliance scientists and volunteers stationed on the Battery Parking Garage have watched birds be drawn in by the lights, then circle endlessly to their deaths. Their research could help change how lighting is used to avoid harming birds during migration.

Reflecting Absence

The centerpiece of the memorial park is two large recessed pools, representing the footprints of the Twin Towers. The pools are surrounded by the largest manmade waterfalls in North America. The water flows down into the pools and continues to a central, square drainage basin.

The memorial pool is a serene space of reflection and remembrance. It is a place of hope and renewal, separate from the hustle and bustle of the city.

The memorial was designed by architect Michael Arad and landscape architect Peter Walker after winning a design competition. They were inspired by the idea of absence made visible. They wanted to create a place of quiet contemplation that resonates with feelings of loss and absence.

9/11 Memorial Glade

The Memorial Glade is a dedicated space that honors the ongoing sacrifice of first responders, recovery workers and members of the lower Manhattan community who have become sick or died from exposure to toxins at the site. It comprises a pathway located roughly where the primary ramp used during the recovery effort once stood, flanked by six large stone monoliths inlaid with World Trade Center steel remnants.

The names of the victims are arranged in a system of meaningful adjacencies—friends and coworkers appear together, and family members appear side by side. It’s a beautiful and moving reminder of the selflessness, courage and perseverance of these individuals.

The funeral bureau licenses funeral directors, embalmers and mortuary science students. It is also responsible for the inspection of funeral establishments and investigating consumer complaints.

During the COVID-19 public health emergency, only a licensed funeral home can arrange for the care, transportation and preparation of your loved one for burial or cremation. The cost of these services will be outlined in the home’s price list and itemized statement.

Services

Working in the funeral industry can be emotionally rewarding for those who are determined and compassionate. It can also be challenging to work with families and individuals who are grieving. Nevertheless, if you have the right set of skills, this can be an excellent career choice.

The Rule requires funeral providers to give consumers accurate information about their goods and services. This includes the General Price List (GPL), Casket Price List, Outer Burial Container Price List, and Statement of Goods and Services Selected.

The GPL must be provided to persons who inquire about funeral goods or services either in person, by telephone, or in writing. You do not have to send a GPL to persons who make an inquiry by mail unless the request comes from an individual who has already made funeral arrangements or intends to do so. This is to allow such individuals to compare prices from other funeral providers. The Statement also allows consumers to modify their selections and change the amount of any charge they wish to decline.

Fees

Some funeral firms add a service charge on top of the cost of items purchased for you from third parties, such as flowers, obituary notices and pallbearers. The Funeral Rule requires the funeral home to tell you about these charges and give you an original itemized statement of services and merchandise selected at the time of the arrangements conference.

Some consumers choose to purchase an outer burial container (OBC) as part of their funeral arrangement. If you sell OBCs, the Rules require you to provide a separate price list with photographs of the containers. You must also show this price list to consumers who wish to modify a particular container they previously purchased under a pre-need contract.

Four items that the Rule requires you to list are forwarding, receiving, direct cremation and immediate burial. These fees are non-declinable and may not be included in any of the services you are required to list on your General Price List.

Locations

NFDA members receive exclusive discounts on many of the products and services they use. Whether it’s BP gasoline, computers, office supplies or funeral service education courses NFDA has you covered.

The Board is staffed by an executive director, administrative assistants and field representatives. Administrative assistants handle office functions for licensing, renewals, complaints and other general activities of the Board. Field representatives conduct inspections of funeral directors, embalmers and funeral establishments.

Licensees are required to comply with Board regulations regarding advertising. The Board may impose sanctions if a licensee makes an inaccurate, deceptive or misleading statement, representation, guaranty, warranty or endorsement in any advertising medium.

The Board is a member of the International Conference of Funeral Service Examining Boards. The conference brings together governmental boards that regulate the funeral profession and provides an inter-jurisdictional forum for sharing of information, resources and expertise. The conference addresses licensure qualification, examination, state-to-state reciprocity and other issues that impact funeral boards.

Insurance

Millions of Americans arrange their funerals and prepay some or all of the costs ahead of time. This advance planning allows you to make clear choices, avoid unnecessary sales pressure and save money. But there are scams and pitfalls to watch out for.

Burial insurance is a special type of whole life insurance policy that covers end-of-life expenses, like burial and funeral costs. It often does not require a health exam, and is more affordable than traditional life insurance policies.

If you are a funeral home, consider obtaining business owners policy (BOP). This coverage bundles general liability and property insurance into one convenient policy. You can also buy a policy that includes error and omissions (E&O) insurance, which protects against claims of negligence. NerdWallet analyzed state-level complaint data for auto, home (including renters and condo) and life insurance. Read our methodology.