How To Pay for a Funeral on an Installment Plan

Author

Dignity Memorial- MSC Locations

For more information about the author, click to view their website: Dignity Memorial

Posted on

Aug 10, 2024

Book/Edition

Florida - Sarasota, Bradenton & Charlotte Counties

share-this
Share This

Three years ago, Larry Refsland, who works at a marketing company in Northern Minnesota, experienced the deaths of both his mother and mother-in-law in the same year. Since their passing, Larry has reflected a lot on the differences between the two funeral experiences. “After my mother-in-law's funeral, we owed $9,000," he says. “After my mother's, we owed nothing."

While both women had lived in the same rent-controlled housing and were on the same fixed monthly income, Larry's mother made monthly funeral payments on prearranged services. Larry's mother-in-law, on the other hand, had no such plans, and her family had to cover the bill for her funeral expenses on the spot.

 

Choosing a prepaid funeral plan and making monthly payments can ensure your family and loved ones don't find themselves in a similar situation.

In this article, you will learn:

The different ways to pay for your own funeral, cemetery or cremation expenses in advance

How prepaid funeral plans work

How much prepaid funeral plans cost

What prepaid funeral plans cover

What happens if you miss prepaid funeral payments

If prepaid funeral plan payments affect your ability to qualify for Medicaid

 

How to pay for a funeral or cremation

According to the National Funeral Directors Association, the median funeral cost in the United States in 2019 ranged from $6,645 for a cremation with a viewing and memorial service to $9,135 for a funeral with a viewing, service and vault. When cemetery costs are factored in, the total median cost of a funeral can exceed $10,000. Even simple cremations with no service can exceed the savings a family has on hand. (Read our full coverage on funeral, cemetery and cremation costs here.)

Especially when coupled with the grief of losing a loved one, it's important for each one of us to document and fund funeral plans in advance to relieve the financial and emotional burden as much as possible.

The bottom line: When you pass away, your family is responsible for your funeral, cremation and cemetery costs. Besides paying with cash on hand, there are just a few options available to pay for these expenses: prepaid funeral plans, life insurance, veterans benefits, or a few last resort options at the time of need.

Paying for funeral expenses with prepaid funeral plans

Because funeral homes, cremation providers and cemeteries don't typically offer payment plans at the time of need, most offer monthly payment plans in advance in the form of prepaid funeral and cemetery arrangements (also called pre-need funeral plans). Prepaid funeral and cemetery plans take the financial burden and emotional guesswork out of a difficult time in life. Plus:

  • You get a price guarantee that protects against rising costs and inflation. Prices for products and services can be locked in at today's rates. When needed at the time of death, your loved ones won't pay extra.
  • You remove a financial and emotional burden from your loved ones. Families tell us that funeral planning can be incredibly overwhelming when grieving, and that having a plan to follow makes a huge difference.
  • Affordable monthly payment plans make it easy to budget for final expenses that are incurred by all of us. Payment amounts differ based on terms, funeral wishes and age.
  • Peace of mind. When your wishes are in writing, and your product and service selections have already been made, you give your loved ones the gift of saying goodbye without the extra stress of trying to guess what you would have wanted. There are no rushed decisions and you can learn about your options in a relaxed environment.
  • Relocation flexibility.  With Dignity Memorial providers, prepaid funeral and cemetery plans can be transferred to other Dignity Memorial funeral homes or cemeteries if you move more than 75 miles away, although some restrictions apply.

Typical objections to prepaid funeral plans:

  • Funeral homes, cremation providers and even cemeteries can go out of business. State governments will protect families in these unfortunate situations. However, when selecting a Dignity Memorial provider, your money is kept safe by a third party (an insurance company or a trustee, not the funeral home) until the time of your funeral. Then it is given to the funeral provider at the time of death to cover your funeral expenses.
  • There isn't flexibility when relocating. Although this may be true for most funeral providers, when buying from a Dignity Memorial provider, prepaid funeral and cemetery plans are easily transferred between one of our 1,900+ locations in 47 U.S. states, Canada and Puerto Rico when you move more than 75 miles away.
  • You can earn more money in a different investment. While the stock market or other investments can potentially offer better returns, it's too risky for most people who count on these funds to be there when they need them. Plus, access to the deceased's bank accounts and investment funds isn't a sure bet immediately upon death. With a prepaid funeral plan, the money is secured by an insurance plan or trust and is made available immediately upon death.

Paying for funeral expenses with a life insurance policy

If you carry life insurance, it may cover some or all of your funeral and the burial costs. The downside is that life insurance can take a month or longer to pay out, while you will be billed before the funeral takes place. It also does nothing to make your final wishes known to your loved ones, and leaves them with the difficulty of selecting a provider and making detailed arrangements during a time of grief.

Also, families often misunderstand their life insurance policies, and can be disappointed when they have expired or don't provide the coverage they expected for final expenses.

Term life insurance is a temporary insurance policy with an expiration date, usually between five and 30 years. If you die during the term of the insurance, your beneficiaries receive a pay out. It is most often carried by adults in the prime of life with dependent children or mortgages. Most older adults either do not qualify for term life insurance due to medical exam requirements, or the premiums are too expensive. If you believe your final expenses will be covered by a term life insurance policy, please check your policy to ensure that the premiums are current and it is not expired.

Whole life insurance is designed to cover income replacement and end-of life expenses like funeral costs and medical bills. As long as the premiums are paid, it covers you until you die. Premiums are typically higher than term life insurance, while the fixed pay-out amounts are usually lower. Health conditions can still prevent some older adults from qualifying, but instead of a medical exam it just requires medical questions to be completed during the application process.

Final expense insurance is a specific type of whole life insurance, also called burial insurance or funeral insurance, which pays a lump sum upon death and is specifically designed to cover funeral costs. It isn't intended for income replacement like other life insurance products. If you don't know what you want for your funeral, or can't bring yourself to discuss your wishes with a funeral provider, it is a good alternative to buying a prepaid funeral plan. But it doesn't lock in prices like a prepaid funeral plan does, nor does it help your family make the funeral arrangement process easier. Families sometimes find themselves with an insurance pay out that doesn't cover the complete funeral expenses.

None of the above will pay out in time to pay a funeral home bill. A family would need to pay the bill another way and wait for one of these plans to pay out and then reimburse themselves.

Paying for burial expenses with U.S. veterans benefits

For U.S. veterans in 2020, the U.S. Department of Veterans Affairs will pay a $300 burial allowance and $780 for a plot (for a nonservice-related death outside a VA hospital) or a $796 burial allowance and $796 for a plot (for a nonservice-related death at a VA hospital). However, these benefits are not automatic and they apply only when the veteran is being buried in a national cemetery. Even then, these allowances are usually not enough to cover all expenses, so veterans benefits usually need to be combined with cash or another type of coverage plan.

Last-resort options for paying for funeral expenses

The remaining alternatives for paying for funeral expenses are usually a last resort when death has occurred and there is no cash on hand.

A credit card. High interest rates make this not a great solution, but some families do take this route.

A bank loan. If you have good credit and are comfortable with taking on debt, you can apply for financing at a bank or credit union. This can take time when time is of the essence.

A family pool. Family members can come together and pool their money to help with funeral costs. Some families turn to crowdfunding sites like GoFundMe to make this process easier.

 

A Dignity Memorial associate looks at a gentlemen as he talks and they walk through the cemetery wit…

Frequently asked questions about the prepaid funeral cost breakdown

Understanding prepaid funeral costs doesn't have to be difficult. Here we answer a few questions.

How much do prepaid funeral plans cost?

Because prepaid funeral, cemetery or cremation plans set aside funds for specific products and services, the amount of the plan doesn't exceed the actual planned cost of the funeral. Unlike insurance plans, you stop paying your monthly payments when the plan has been fully funded. Prepaid funeral plans usually start in the low thousands and range up from there, depending on your wishes. They are usually payable over 3 to 10 years.

What do prepaid funeral plans cover?

A prepaid funeral plan is created by you, so it covers the things you decide are important. You can plan a simple gathering or a grand event. For traditionalists, it can include embalming, a premium casket, flowers and catering, and cemetery property. Or you could elect for a simple cremation and a mausoleum niche for your ashes. When you meet with a pre-planning professional, you'll learn about all of your options. Make an appointment.

What happens if you miss a prepaid funeral payment?

A prepaid funeral plan is similar to car insurance in that if you miss a payment, you receive a lapse warning. After 90 days of nonpayment, your plan may be cancelled. If that happens, you would still be able to use that money to fund future arrangements, but you would lose any price protection.

Do prepaid funeral plan payments affect your ability to qualify for Medicaid?

When you buy a prepaid funeral plan, it is generally excludable for the Medicaid spend-down process. Unlike traditional insurance, it won’t affect your ability to qualify for Medicaid. However, many states limit the amount you can put into a funeral plan to between $5,000 and $15,000. Please discuss any concerns with your pre-planning professional and your Medicaid caseworker to make sure your needs are met.

What happens if my prepaid funeral, cemetery or cremation provider goes out of business?

At Dignity Memorial, your money is kept safe by a third party (an insurance company or a trustee, not the funeral home) until the time of your funeral. Then it is given to the funeral provider to cover your funeral expenses at the time of need.

What happens if I move?

When buying from a Dignity Memorial provider, prepaid funeral and cemetery plans are easily transferred between one of our 1,900+ locations in 47 U.S. states, Canada and Puerto Rico when you move more than 75 miles away.

Planning a funeral ahead of time

We recognize that funeral arrangements and associated expenses can be overwhelming. By preparing in advance, you provide a sense of relief, peace of mind and comfort for your loved ones while ensuring your wishes are met and your budget is maintained. When you pre-plan a funeral you honor both yourself and your family.

Other Articles You May Like

Make a Statement With the Perfect Garage Door

Your garage door isnt just a practical entryway its a defining element of your homes exterior and can dramatically boost curb appeal, enhance value and improve energy efficiency and security. Whether youre building from the ground up or simply ready for a refresh, understanding the different types and styles will help you make the best choice for your property and budget.Sectional: Versatile and ClassicSectionals are the all-American favorite and for good reason. Made of panels connected by hinges, they glide smoothly along a track and tuck neatly overhead. Theyre available in a wide array of materials and looks, making them super customizable and compatible with almost any architectural style. If youre seeking sophistication, dependability and plenty of options to personalize, a sectional door would be an excellent choice.Carriage House: Old-World Charm Meets Modern FunctionThink barn doors, but smarter. These beauties give off warm, vintage vibes with details like decorative hardware, crossbuck features and quaint windows but they open with modern overhead convenience. Ideal for rural, cottage and rustic homes, carriage house models are not only charming they add instant character to properties where aesthetics matter.Slide-to-the-Side: Unique and Space-SavvyIf your garage has limited headroom or an unusual layout, slide-to-the-side varieties offer a creative solution. These open and close horizontally along the interior wall, making them functional in tight or tricky spaces. Theyre less common, which adds a touch of uniqueness, and are available in traditional as well as modern alternatives. Whichever you choose, your slide-to-the-side entryway will add visual interest and value to your home.Side-Hinged: Elegant and TraditionalSide-hinged types swing outward like French doors perfect for historic residences or anyone craving that custom, handcrafted vibe. Typically made of wood (though steel versions exist), theyre a chic nod to the past that can also feel luxurious and upscale. If you appreciate classic architecture and vintage elegance, a side-hinged model may be exactly what youre looking for.Tilt-Up: Retro Simplicity or Clean and ContemporaryWhether you choose canopy or fully retractable, this no-frills design works equally well with older, contemporary and budget-friendly homes. Made of one solid panel that can be opened manually or with a remote device, tilt-up doors deliver simplicity, affordability and originality. Although somewhat limited in style, newer materials can give them a fresh, updated feel that doesnt sacrifice utility.Roll-Up: Rugged and IndustrialBuilt for durability, roll-ups are made of horizontal slats that coil above the entrance. Youll often see them in commercial spaces, but they work just as well in residential settings that lean minimal or industrial. Theyre also great for tight spaces, detached structures or anywhere security is a top priority.Whether youre aiming for sleek sophistication or rustic charm, the right design will elevate curb appeal, improve daily convenience and increase the marketability of your property. Choose wisely, and your home will be the talk of the neighborhood!

Budget-Friendly Water Features to Spruce Up Your Outdoor Space

If youre looking for a good way to add personality to your patio, balcony or garden, a water feature may be the solution for you. With a little creativity and the right design, you can transform your outdoor space into a peaceful retreat without draining your wallet.DIY Container FountainsThese are incredibly easy to assemble, are customizable and can deliver a big impact. All you need is a large ceramic pot, a small pump and decorative stones or foliage. You could opt for a solar-powered pump for even more savings and make it a one-of-a-kind showstopper with colored pebbles, LED lights or a cascading tier.Birdbaths With a TwistClassic birdbaths are always nice, but you can upgrade the look by incorporating a mini bubbler or a floating solar fountain. Not only will feathered visitors love to take a dip, but the gentle movement of the water helps prevent mosquitoes from settling in. Plant a ring of bright flowers or lay assorted rocks around the base for a natural, inviting vibe.Repurposed FeaturesThink outside the box or inside the barrel with an old watering can, whiskey cask or vintage teapot as your inspiration. With a bit of ingenuity and a low-cost pump, discarded items become artistic centerpieces. These quirky creations also serve as great conversation starters and give your garden an eclectic aura.Miniature Pond KitsPre-formed pond or flexible liners are available at popular home improvement stores and are relatively inexpensive. With some stones and aquatic greenery, youll have a delightful pond that fits most any backyard. Bonus: Floating solar lights or lily pads will take your pond from simple to stunning. You could include small fish to bring even more life to your little water world.Wall-Mounted WaterfallsNo yard? No problem! Wall-mounted fountains can hang on fences, exterior walls or balcony railings. The soothing trickle creates a relaxing soundscape, perfect for masking street noise or adding a touch of Zen. Theyre sleek, space-saving and come in a variety of materials and designs many under $100. Look for kits with self-contained systems to keep installation easy.Tabletop TranquilityIdeal for apartment balconies or porches, tabletop features are compact and portable. You can find a wide range of styles from rustic stone to modern minimalist at home dcor stores or online. Some also double as planters or candle holders for extra ambiance. Try placing one near a reading nook or outdoor dining area to enhance the mood with a serene, spa-like feel.An eye-catching aquatic element doesnt have to be elaborate or expensive to make a big splash. Whether you go the DIY route or pick up a pre-made piece, you can take your outdoor design to the next level while evoking a sense of calm and charm thats always in style.

Ready to Buy? See How Much Home You Can Afford in 7 Steps

Buying a home is exciting, emotional and yes a little intimidating, especially when you start thinking about finances. If youre concerned about how much house you can actually afford, youre not alone. The good news is that by taking the right steps now, you can start your search with confidence and clarity and an eye on the future.Step 1: Know Your BudgetAs you get ready to start swiping through listings, you should first figure out what fits comfortably in your monthly spending plan. A common rule of thumb? Keep your total housing costs mortgage, property taxes, insurance and HOA fees under 28% of your gross monthly income. For example, if you make $7,000 a month before taxes, youll want to keep your monthly housing expenses to $1,960 or less.Step 2: Check Your Debt-to-Income Ratio (DTI)Your DTI is very important to lenders, telling them how much debt youre currently juggling and how the purchase of a home will increase your expenses. A lower DTI not only makes you a more attractive buyer it can also unlock better loan terms and lower interest rates. Ideally, your total monthly obligations (car payments, student loans, credit cards, etc.) should stay below 36% of your income.Step 3: Plan Your Down PaymentThe more you put down, the less you have to borrow, which means lower monthly payments and possibly not having to get private mortgage insurance (PMI). A 20% down payment is great if you can manage it, but many buyers go with 3-10%, especially with FHA or first-time buyer programs. And dont forget closing costs usually around 2-5% of the purchase price.Step 4: Explore Your Loan OptionsAll mortgages are not created equal. From 30-year fixed to adjustable-rate loans, the type you choose plays a big role in how much property you can take on (and how much youll pay over time). Before you talk with your lender, do some research, come prepared and ask plenty of questions. Youll want to learn if youre eligible for any governmental programs, if your monthly requirement could change and/or what will happen if you ever have unexpected financial difficulties.Step 5: Think Beyond the NumbersThe bank might say you can afford that dream home but whether or not you should actually purchase it is another question. Be honest about what matters most to you in terms of lifestyle. Do you want to travel, save more or splurge on concert tickets? Then you should leave room in your budget for these activities. Also remember that once you move in, youll most likely want to buy furniture and other household items as well as upgrade with new paint or cabinetry. The cost of personalizing your new residence can quickly add up.Step 6: Use a Mortgage CalculatorBefore you start seriously house shopping, try experimenting with an online mortgage calculator. It will show you how changes in interest rates, home prices and loan terms impact your monthly payment. Zillow and realtor.com offer easy-to-use tools that take a lot of the guesswork out of the budgeting process, allowing you to see results in a matter of seconds.Step 7: Talk to the ProsEvery day, real estate professionals and mortgage lenders navigate their clients through their buying journey so lean on their expertise. A good agent will tailor the search to your recommended price range and refer you to a lender who will explain your options and help you make the best decisions for your unique circumstances. You should also chat with friends and family who have recently bought a home and can give you some valuable firsthand advice.Determining how much home you can afford isnt just about cold hard numbers. Its about finding a place where you can live well and sleep easy. With a clear plan, a trusted team and a little prep, youll be well on your way to finding a property you love without breaking the bank.

SettingsRequest history1.87sRequest Duration3MBMemory Usage11.x
Laravel Version
11.45.1
PHP Version
8.2.24
Environment
production
Debug Mode
Enabled
URL
seniorsbluebook.com
Timezone
America/Denver
Locale
en
GET articles/{slug}
status
200 OK
full_url
https://seniorsbluebook.com/articles/how-to-pay-for-a-funeral-on-an-installment-plan
action_name
library-details
controller_action
App\Http\Controllers\Front\ArticleController@libraryDetails
Theme
Open Button Position
Hide Empty Tabs
Autoshow
Reset to defaults
    status
    200 OK
    full_url
    https://seniorsbluebook.com/articles/how-to-pay-for-a-funeral-on-an-installment-plan
    action_name
    library-details
    controller_action
    App\Http\Controllers\Front\ArticleController@libraryDetails
    uri
    GET articles/{slug}
    controller
    App\Http\Controllers\Front\ArticleController@libraryDetails
    namespace
    App\Http\Controllers
    file
    app/Http/Controllers/Front/ArticleController.php:126-258
    middleware
    web
    duration
    1.88s
    peak_memory
    4MB
    response
    text/html; charset=UTF-8
    request_format
    html
    request_query
    []
    
    request_request
    []
    
    request_headers
    0 of 0
    array:18 [ "host" => array:1 [ 0 => "seniorsbluebook.com" ] "pragma" => array:1 [ 0 => "no-cache" ] "cache-control" => array:1 [ 0 => "no-cache" ] "sec-ch-ua" => array:1 [ 0 => ""Chromium";v="130", "HeadlessChrome";v="130", "Not?A_Brand";v="99"" ] "sec-ch-ua-mobile" => array:1 [ 0 => "?0" ] "sec-ch-ua-platform" => array:1 [ 0 => ""Windows"" ] "upgrade-insecure-requests" => array:1 [ 0 => "1" ] "user-agent" => array:1 [ 0 => "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" ] "accept" => array:1 [ 0 => "text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3;q=0.7" ] "sec-fetch-site" => array:1 [ 0 => "none" ] "sec-fetch-mode" => array:1 [ 0 => "navigate" ] "sec-fetch-user" => array:1 [ 0 => "?1" ] "sec-fetch-dest" => array:1 [ 0 => "document" ] "accept-encoding" => array:1 [ 0 => "gzip, deflate, br, zstd" ] "cookie" => array:1 [ 0 => "userdata=7bbdb6cc-1eeb-4ccc-9733-3bcc5078c5c9; XSRF-TOKEN=eyJpdiI6IkRUVUt5MTlCdWpGYW1xazJJc3l3d2c9PSIsInZhbHVlIjoiRENhTTh2ZmxtVGdrZ1hqbWs4enczY3VYbHRveVJQVWxQa3pQd0ZTTkJkdGNQdkk4cDNKSFYrMDEzaFRZV0liNFdQSkJ5RU9yN2Z6TDlncmRMSFdMRWdyaVM1Q0RuQzJIaEh0cHFoUnkwTDNzdHJlbVBLT2NHNzBOSG9tdDZyRG8iLCJtYWMiOiI3Y2FkMWJkYjIzYmY4M2FmMmZjNjY0ZWJkY2ViYWEyNTQxODNmODg0OTgwYjU5NDM1OWJlYmM3NTRmMWQxZGIxIiwidGFnIjoiIn0%3D; seniors_blue_book_session=eyJpdiI6IjhXUkhXdUpMSm9GVDJXaVFUZVVoZWc9PSIsInZhbHVlIjoia0ZBcTMyWDlCYlYwUFhockRHcjl4YzRtclVjaXlLa3lnVWZ5dGliNjlhbjN4TEdmSDhYQklHUTNCTmVQMWRqd3BoMTFjT0c0YXRTVGpRQTU3Zzlpbks2UXYxWlJoWENNbkJBM2JQNzNOdjN4c3NCRjQwdTFwenM0NFZVVzhlRVgiLCJtYWMiOiI5YTYwZTJmZGE0NDlmY2YyOGNlZjQ5YWE2MDJjM2EwZmU2NjI5YWRjZGZhNjA5Y2QxMzNlZWU4OTVmOTI5MzA2IiwidGFnIjoiIn0%3D; DO-LB="Cg4xMC4xMDguMC42OjQ0MxCZ5bEW"userdata=7bbdb6cc-1eeb-4ccc-9733-3bcc5078c5c9; XSRF-TOKEN=eyJpdiI6IkRUVUt5MTlCdWpGYW1xazJJc3l3d2c9PSIsInZhbHVlIjoiRENhTTh2ZmxtVGdrZ1hqbWs4enczY3VYbHRveVJQVWxQa3" ] "x-forwarded-for" => array:1 [ 0 => "216.73.216.103" ] "x-forwarded-proto" => array:1 [ 0 => "https" ] "x-forwarded-port" => array:1 [ 0 => "443" ] ]
    request_cookies
    0 of 0
    array:4 [ "userdata" => null "XSRF-TOKEN" => "AtVuWuchg1NwWc8bo77uddrflkUDgeeFjTDCaemG" "seniors_blue_book_session" => "QDgM6w8D8VTViUtQHsabvqvrrvYkRts2RMcdBYik" "DO-LB" => null ]
    response_headers
    0 of 0
    array:3 [ "content-type" => array:1 [ 0 => "text/html; charset=UTF-8" ] "cache-control" => array:1 [ 0 => "no-cache, private" ] "date" => array:1 [ 0 => "Mon, 07 Jul 2025 14:09:47 GMT" ] ]
    session_attributes
    0 of 0
    array:4 [ "_token" => "AtVuWuchg1NwWc8bo77uddrflkUDgeeFjTDCaemG" "PHPDEBUGBAR_STACK_DATA" => [] "_previous" => array:1 [ "url" => "https://seniorsbluebook.com/articles/anti-aging-dentistry-is-your-first-step-towards-improving-your-smile" ] "_flash" => array:2 [ "old" => [] "new" => [] ] ]
    • Booting (35.44ms)time
    • Application (1.84s)time
    • Routing (649μs)
    • Preparing Response (39.74ms)
    • View: front.articles-detailsviews
    • View: layouts.front.frontviews
    • View: layouts.front.headerviews
    • View: layouts.front.footerviews
    • 1 x Application (98.11%)
      1.84s
      1 x Preparing Response (2.12%)
      39.74ms
      1 x Booting (1.89%)
      35.44ms
      1 x Routing (0.03%)
      649μs
      4 x View (0%)
      0μs
      4 templates were rendered
      • front.articles-detailsarticles-details.blade.php#?blade
      • layouts.front.frontfront.blade.php#?blade
      • layouts.front.headerheader.blade.php#?blade
      • layouts.front.footerfooter.blade.php#?blade
      19 statements were executed (4 duplicates)Show only duplicates1.79s
      • SessionManager.php#108seniorsbb_db_devConnection Established
        Backtrace
        • vendor/laravel/framework/src/Illuminate/Session/SessionManager.php:108
        • vendor/laravel/framework/src/Illuminate/Session/SessionManager.php:95
        • vendor/laravel/framework/src/Illuminate/Session/Middleware/StartSession.php:159
        • vendor/laravel/framework/src/Illuminate/Session/Middleware/StartSession.php:57
        • vendor/laravel/framework/src/Illuminate/Pipeline/Pipeline.php:209
      • DatabaseSessionHandler.php#97seniorsbb_db_dev5.69msselect * from `sessions` where `id` = 'QDgM6w8D8VTViUtQHsabvqvrrvYkRts2RMcdBYik' limit 1
        Bindings
        • 0: QDgM6w8D8VTViUtQHsabvqvrrvYkRts2RMcdBYik
        Backtrace
        • vendor/laravel/framework/src/Illuminate/Session/DatabaseSessionHandler.php:97
        • vendor/laravel/framework/src/Illuminate/Session/Store.php:117
        • vendor/laravel/framework/src/Illuminate/Session/Store.php:105
        • vendor/laravel/framework/src/Illuminate/Session/Store.php:89
        • vendor/laravel/framework/src/Illuminate/Session/Middleware/StartSession.php:147
      • ArticleController.php#130seniorsbb_db_dev143msselect `articles`.* from `articles` where `articles`.`slug` = 'how-to-pay-for-a-funeral-on-an-installment-plan' and `articles`.`active` = 'Yes' and `articles`.`deleted_at` is null limit 1
        Bindings
        • 0: how-to-pay-for-a-funeral-on-an-installment-plan
        • 1: Yes
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:130
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • ArticleController.php#130seniorsbb_db_dev10.29msselect * from `listingattachment` where `type` = 'article' and `primary` = 1 and `listingattachment`.`listingId` in (12634)
        Bindings
        • 0: article
        • 1: 1
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:130
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • ArticleController.php#132seniorsbb_db_dev5.05msselect * from `category` where `id` = '354' and `type` = 'article' limit 1
        Bindings
        • 0: 354
        • 1: article
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:132
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • ArticleController.php#170seniorsbb_db_dev17.61msselect * from `articlecategories` where `articleId` = 12634
        Bindings
        • 0: 12634
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:170
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • ArticleController.php#186seniorsbb_db_dev70.19msselect distinct `articles`.* from `articles` inner join `articlecategories` on `articlecategories`.`articleId` = `articles`.`id` where `articles`.`active` = 'Yes' and `articlecategories`.`childCategory` in (621) and `articles`.`type` = 'article' and `articles`.`id` != 12634 and `articles`.`deleted_at` is null group by `articles`.`id` order by `articles`.`created_at` desc limit 3
        Bindings
        • 0: Yes
        • 1: 621
        • 2: article
        • 3: 12634
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:186
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • ArticleController.php#196seniorsbb_db_dev264msselect `company`.`id` as `parentId`, `child`.`id` as `childId` from `company` left join `company` as `child` on `child`.`parentCompany` = `company`.`id` where `company`.`parentCompany` = '102216' and `company`.`deleted_at` is null
        Bindings
        • 0: 102216
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:196
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • ArticleController.php#210seniorsbb_db_dev1.25sselect * from `listings` where `active` = 'Yes' and `company` = '102216' and `listings`.`deleted_at` is null order by RAND() limit 3
        Bindings
        • 0: Yes
        • 1: 102216
        Backtrace
        • app/Http/Controllers/Front/ArticleController.php:210
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:44
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:266
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:212
      • DatabaseQueue.php#188seniorsbb_db_dev4.21msinsert into `queue_jobs` (`queue`, `attempts`, `reserved_at`, `available_at`, `created_at`, `payload`) values ('default', 0, null, 1751897387, 1751897387, '{\"uuid\":\"ca20eb93-2851-4796-9784-239430ddced6\",\"displayName\":\"App\\\\Jobs\\\\TrackLibrary\",\"job\":\"Illuminate\\\\Queue\\\\CallQueuedHandler@call\",\"maxTries\":null,\"maxExceptions\":null,\"failOnTimeout\":false,\"backoff\":null,\"timeout\":null,\"retryUntil\":null,\"data\":{\"commandName\":\"App\\\\Jobs\\\\TrackLibrary\",\"command\":\"O:21:\\\"App\\\\Jobs\\\\TrackLibrary\\\":5:{s:13:\\\"\\u0000*\\u0000track_data\\\";O:45:\\\"Illuminate\\\\Contracts\\\\Database\\\\ModelIdentifier\\\":5:{s:5:\\\"class\\\";s:18:\\\"App\\\\Models\\\\Article\\\";s:2:\\\"id\\\";a:3:{i:0;i:15396;i:1;i:15395;i:2;i:15394;}s:9:\\\"relations\\\";a:0:{}s:10:\\\"connection\\\";s:5:\\\"mysql\\\";s:15:\\\"collectionClass\\\";N;}s:13:\\\"\\u0000*\\u0000usercookie\\\";s:18:\\\"us734trb76et634tbr\\\";s:7:\\\"\\u0000*\\u0000type\\\";s:7:\\\"article\\\";s:13:\\\"\\u0000*\\u0000event_type\\\";s:6:\\\"appear\\\";s:16:\\\"\\u0000*\\u0000inputDataType\\\";s:4:\\\"data\\\";}\"}}')
        Bindings
        • 0: default
        • 1: 0
        • 2: 
        • 3: 1751897387
        • 4: 1751897387
        • 5: {"uuid":"ca20eb93-2851-4796-9784-239430ddced6","displayName":"App\\Jobs\\TrackLibrary","job":"Illuminate\\Queue\\CallQueuedHandler@call","maxTries":null,"maxExceptions":null,"failOnTimeout":false,"backoff":null,"timeout":null,"retryUntil":null,"data":{"commandName":"App\\Jobs\\TrackLibrary","command":"O:21:\"App\\Jobs\\TrackLibrary\":5:{s:13:\"\u0000*\u0000track_data\";O:45:\"Illuminate\\Contracts\\Database\\ModelIdentifier\":5:{s:5:\"class\";s:18:\"App\\Models\\Article\";s:2:\"id\";a:3:{i:0;i:15396;i:1;i:15395;i:2;i:15394;}s:9:\"relations\";a:0:{}s:10:\"connection\";s:5:\"mysql\";s:15:\"collectionClass\";N;}s:13:\"\u0000*\u0000usercookie\";s:18:\"us734trb76et634tbr\";s:7:\"\u0000*\u0000type\";s:7:\"article\";s:13:\"\u0000*\u0000event_type\";s:6:\"appear\";s:16:\"\u0000*\u0000inputDataType\";s:4:\"data\";}"}}
        Backtrace
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:188
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:99
        • vendor/laravel/framework/src/Illuminate/Queue/Queue.php:338
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:93
        • vendor/laravel/framework/src/Illuminate/Bus/Dispatcher.php:244
      • DatabaseQueue.php#188seniorsbb_db_dev3.25msinsert into `queue_jobs` (`queue`, `attempts`, `reserved_at`, `available_at`, `created_at`, `payload`) values ('default', 0, null, 1751897387, 1751897387, '{\"uuid\":\"82868561-1a84-4e11-a468-75bb1f47be67\",\"displayName\":\"App\\\\Jobs\\\\TrackLibrary\",\"job\":\"Illuminate\\\\Queue\\\\CallQueuedHandler@call\",\"maxTries\":null,\"maxExceptions\":null,\"failOnTimeout\":false,\"backoff\":null,\"timeout\":null,\"retryUntil\":null,\"data\":{\"commandName\":\"App\\\\Jobs\\\\TrackLibrary\",\"command\":\"O:21:\\\"App\\\\Jobs\\\\TrackLibrary\\\":5:{s:13:\\\"\\u0000*\\u0000track_data\\\";O:45:\\\"Illuminate\\\\Contracts\\\\Database\\\\ModelIdentifier\\\":5:{s:5:\\\"class\\\";N;s:2:\\\"id\\\";a:0:{}s:9:\\\"relations\\\";a:0:{}s:10:\\\"connection\\\";N;s:15:\\\"collectionClass\\\";N;}s:13:\\\"\\u0000*\\u0000usercookie\\\";s:18:\\\"us734trb76et634tbr\\\";s:7:\\\"\\u0000*\\u0000type\\\";s:7:\\\"article\\\";s:13:\\\"\\u0000*\\u0000event_type\\\";s:6:\\\"appear\\\";s:16:\\\"\\u0000*\\u0000inputDataType\\\";s:4:\\\"data\\\";}\"}}')
        Bindings
        • 0: default
        • 1: 0
        • 2: 
        • 3: 1751897387
        • 4: 1751897387
        • 5: {"uuid":"82868561-1a84-4e11-a468-75bb1f47be67","displayName":"App\\Jobs\\TrackLibrary","job":"Illuminate\\Queue\\CallQueuedHandler@call","maxTries":null,"maxExceptions":null,"failOnTimeout":false,"backoff":null,"timeout":null,"retryUntil":null,"data":{"commandName":"App\\Jobs\\TrackLibrary","command":"O:21:\"App\\Jobs\\TrackLibrary\":5:{s:13:\"\u0000*\u0000track_data\";O:45:\"Illuminate\\Contracts\\Database\\ModelIdentifier\":5:{s:5:\"class\";N;s:2:\"id\";a:0:{}s:9:\"relations\";a:0:{}s:10:\"connection\";N;s:15:\"collectionClass\";N;}s:13:\"\u0000*\u0000usercookie\";s:18:\"us734trb76et634tbr\";s:7:\"\u0000*\u0000type\";s:7:\"article\";s:13:\"\u0000*\u0000event_type\";s:6:\"appear\";s:16:\"\u0000*\u0000inputDataType\";s:4:\"data\";}"}}
        Backtrace
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:188
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:99
        • vendor/laravel/framework/src/Illuminate/Queue/Queue.php:338
        • vendor/laravel/framework/src/Illuminate/Queue/DatabaseQueue.php:93
        • vendor/laravel/framework/src/Illuminate/Bus/Dispatcher.php:244
      • 3968f797b22a9c6b17ff202289cdb425.php#51seniorsbb_db_dev1.2msselect * from `company` where `company`.`id` = '102216' and `company`.`id` is not null and `company`.`deleted_at` is null limit 1
        Bindings
        • 0: 102216
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:51
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#54seniorsbb_db_dev960μsselect * from `company` where `company`.`id` = '102216' and `company`.`id` is not null and `company`.`deleted_at` is null limit 1
        Bindings
        • 0: 102216
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:54
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#66seniorsbb_db_dev1.25msselect `books`.*, `bookeditionmapping`.`recordId` as `pivot_recordId`, `bookeditionmapping`.`bookId` as `pivot_bookId` from `books` inner join `bookeditionmapping` on `books`.`id` = `bookeditionmapping`.`bookId` where `bookeditionmapping`.`recordId` = 12634 and `bookeditionmapping`.`type` = 'article'
        Bindings
        • 0: 12634
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:66
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#70seniorsbb_db_dev1.11msselect `books`.*, `bookeditionmapping`.`recordId` as `pivot_recordId`, `bookeditionmapping`.`bookId` as `pivot_bookId` from `books` inner join `bookeditionmapping` on `books`.`id` = `bookeditionmapping`.`bookId` where `bookeditionmapping`.`recordId` = 12634 and `bookeditionmapping`.`type` = 'article'
        Bindings
        • 0: 12634
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:70
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#85seniorsbb_db_dev3.41msselect * from `listingcontacts` where `listingcontacts`.`listingId` = 12634 and `listingcontacts`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 12634
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:85
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.56msselect * from `listingattachment` where `listingattachment`.`listingId` = 15396 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15396
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.52msselect * from `listingattachment` where `listingattachment`.`listingId` = 15395 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15395
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev2.35msselect * from `listingattachment` where `listingattachment`.`listingId` = 15394 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15394
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 6162bf581736fa7f4e9b70a52a1034b4.php#2seniorsbb_db_dev2.03msselect * from `articles` where `articles`.`deleted_at` is null order by `id` desc limit 3
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/6162bf581736fa7f4e9b70a52a1034b4.php:2
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      App\Models\Company
      10Company.php#?
      App\Models\Article
      7Article.php#?
      App\Models\ListingAttachments
      4ListingAttachments.php#?
      App\Models\Books
      2Books.php#?
      App\Models\Category
      1Category.php#?
      App\Models\ArticleCategory
      1ArticleCategory.php#?
          ClearShow all
          Date ↕MethodURLData
          #12025-07-07 08:09:47GET/articles/how-to-pay-for-a-funeral-on-an-installment-plan41925