As MFP is not associated with any Funeral Service providers, we cannot divulge to the Funeral Director what funds are available to cover costs of a burial.
With this in mind, the funeral director has to work their costing to a level that you are comfortable with, not pricing it to use all available funds.
If there is a shortfall in available funds, then the estate must pay these. Alternatively, if there is a surplus, then these funds are repaid to the estate on production of the appropriate paperwork.