Many people don’t realize that in most states they are not legally required to use a funeral home to plan and conduct a funeral. However, because they have little experience with the many details and legal requirements involved and may be emotionally distraught when it’s time to make the plans, they find the services of a professional funeral home to be a comfort.
People often select a funeral home or cemetery because it’s close to home, has served the family in the past, or has been recommended by someone they trust. But limiting the search to just one funeral home may risk paying more than necessary for the funeral or narrowing their choice of goods and services.
Comparison shopping doesn’t have to be difficult, especially if it’s done before the need for a funeral arises. Thinking ahead can help you make informed and thoughtful decisions about funeral arrangements. It allows you to choose the specific items you want and need, and to compare the prices several funeral providers charge.
If you visit a funeral home in person, the funeral provider is required by law to give you a general price list (GPL) itemizing the cost of the items and services the home offers. If the GPL does not include specific prices of caskets or outer burial containers, the law requires the funeral director to show you the price lists for those items before showing you the items.
Sometimes it’s more convenient and less stressful to “price shop” funeral homes by telephone. The Funeral Rule requires funeral directors to provide price information on the phone to any caller who asks for it. In addition, many funeral homes are happy to mail you their price lists, although that is not required by law.
When comparing prices, be sure to consider the total cost of all the items together, in addition to the costs of single items. Every funeral home should have price lists that include all the items essential for the different types of arrangements it offers. Many funeral homes offer package funerals that may cost less than buying individual items or services. Offering package funerals is permitted by law, as long as an itemized price list also is provided. But you can’t accurately compare total costs unless you use the price lists.
In addition, there’s a trend toward consolidation in the funeral home industry, and many neighborhood funeral homes may appear to be locally owned when in fact, they’re owned by a national corporation. If this issue is important to you, you may want to ask if the funeral home is independent and locally owned.
Have further questions about funeral insurance? We would be happy to help. Call 800-346-7180 or fill out our online form.
