funeral

Have you arranged your funeral or do you think the survivors will do that?
So I have a funeral insurance that my mom took out when I was 2. Since I was 18 I have been paying a monthly amount until? To be honest, I have no idea. It could be until I die but also at a certain age or after paying premiums for x number of years.
I always wanted to be buried but now I think differently about that. Cremation is fine and that is also the cheapest solution. It is ridiculous how expensive a funeral is and how little you can decide for yourself.
The insurance sends a letter every year and it states how much I have saved up and of course they also state how expensive an average funeral is in the municipality where I live where the funeral home is in the street behind. So walking there is no problem at all unless you are dead.
What I miss in these updates is the description of the average funeral. What is included in that package? Is the coffin burned or do they dump the remains in the same oven with 12 others? Let's face it, if you're only allowed to pick up the ashes weeks later, I'm going to start wondering things like why it has to take so long. Is the ash pan of the oven only emptied once a month? Do the ashes in the urn belong to the survivor? I think we're being ripped off because we're not present.

Prompt: funeral
Picture - nothing has changed, the idea is still the same