I am in my mid-80's and with five adult children. I know I could die at any time, or - indeed, live for several more years.
When my ex-hubbie died, he had paid in for decades to the synagogue funeral fund - although totally non religious. When my eldest daughter (who was doing the arranging) talked to them about the funeral, she said none of the family had any religious believes, could they keep any mention of god to the minimum
This request was totally ignored and we all had to sit there in the Chapel at the Crem, feeling totally embarrassed having to listen (what to us), was so much talk of a totally mythical creature!!!. Two and half years later, that daughter is still very angry about it!!!
I have arranged and completely paid via direct cremation with the Co-op (same as but less cost the Pure Cremation), put aside some money for them to arrange (should they wish), some sort of wake or celebrations of Life.
No stranger talking about me - even if we go along the Humanist celebration, there is a total stranger. I have even printed off a number of poems, etc. about mourning and death which are totally non-god, non-religious, non-afterlife. These may or may not be used, I will never know.
24 years ago, when my youngest son died, suddenly - tragically at the age of 25, all of us were horrified by people trying to tell us that he was 'up there' looking down on us - we all knew he was not - he was dead!!! All these years, we still keep his memory very alive, celebrate the life he did have and ensure younger members of the family know all about him. We find this so much nicer, realistic and far more comforting than the 'pie in the sky' kind off talk.