Skip the resting place costs. Get a dirt cheap cremation. Do the funeral at home. It really doesn't matter. My mother passed not too long ago and I inherite

Skip the resting place costs. Get a dirt cheap cremation. Do the funeral at home. It really doesn't matter. My mother passed not too long ago and I inherited half a dozen dead relative's ashes to go throw away. Your family will be much better off with the $20k than with memories of a church and possibly a tombstone to go visit maybe once or twice in their lives.