Moneil....bumping this post to ask you something related to your work/experience.
What happens in the following scenario?
An agreement was made years ago with a funeral home in VT. The people moved to Florida a couple of years ago.
I'm fairly certain agreement was for cremation and most likely did not take into account any future move out of VT.
Thank you.
Most prepaid funeral prearrangements freeze the cost of defined goods and services at their price at the time the arrangements were made and paid for, with the payments (which can be made over time) deposited into a trust account or life insurance policy arranged by the funeral home. In the case of a life insurance policy, if the person dies before everything is paid for, they are still covered in full in most cases. These arrangements, and the prepaid funds, are usually portable ... i.e. they can be moved to another funeral home. These things are regulated by each individual state and one would need to check with a local provider to see how it all works.
In the above scenario, if there doesn't need to be a formal funeral with the body present in Vermont, the cremation could be done in Florida. If the family wants the remains then sent to Vermont for a memorial service and / or burial, it only costs about $100 to mail an urn (the post office provides special handling).
Most prepaid funeral arrangements wouldn't cover the extra cost of transporting whole body remains a long distance, so if they want to be returned to Vermont before cremation they need to start saving for that. There are insurance policies available for situations where one dies away from home and wants to be returned home for their funeral or burial. Many seniors here in the northwest spend their winters in Arizona, and if they die there the policy will cover the cost of flying them home for their funeral and burial.