We just went through this last week... My father inlaw passed and we had the funeral last week.
Even though they had done a lot of pre-planning, there was a lot of details that needed to be worked out... and money pulled out of my pocket for things that were above and beyond the pre-planning. Example... It was $1400 to open the mausoleum so his casket could be inserted... Yea.. $1400 to remove 4 bolts and take a 100 lb granite door off. A obit in the local paper was over $200.
I have a cemetery plot, but we've been talking about getting everything wrapped up. My Mom's funeral was pre-planned and pre-paid. We even got a few bucks back from interest made on the pre-payment. Compared to my Dad's where I had to do everything, it was easy.
It's a stressful time and a lot of people with their hand out.... Hard to make decisions when you are crying.
Sorry for your loss (sister in law passed away also this past Sunday) I can not say I "know" what you are feeling but I can truly say I can imagine. My heart goes out to you but I just wanted to let you know you are the epitome of the example I am trying to convey, the hardest time of your life and everything is happening so fast let alone you don't want to sit and make deals or look for a "discount" at a time like that, etc...Not to mention if one does not pay attention (to the bills) you will be "killed" in a different way..
MAPS