What Funeral Homes Don’t Want You To Know

20 Nov 2021

Funeral home business facade

The loss of a loved one is one of the most emotionally significant and heart-wrenching events anyone will face. When a loved one passes, not only do family and friends face a flood of emotions, but those responsible must also ask themselves very practically, “What do I do now?”. The simple answer is to get in touch with a funeral home to facilitate transportation and begin making arrangements for a burial or cremation. And while there are many quality, well-managed funeral homes, some misuse (or even exploit) the grief and confusion of bereaving loved ones to profiteer. So, what can you do to protect yourself?

Under the Funeral Rule, the Federal Trade Commission (FTC) gives you the right to control the cost of your loved one’s funeral, right down to the last penny. You are entitled to choose and pay for only the goods and services you want or need. It’s that simple.

What You Need To Know

Per the Funeral Rule, funeral homes are required to provide the following:

Know Your Rights

You have rights associated with the Funeral Rule that funeral homes must adhere to, including:

NOTE: Outside vendors like Walmart and Costco sometimes offer much lower prices on caskets and urns than purchasing directly from a funeral home.

Basic Services Fee

Be aware that under the Funeral Rule, funeral providers have a right to charge a basic services fee, including common services for all funerals. The basic services fee does not (and should never) include fees for optional services or merchandise. The basic services fee includes:

Now That You Know

Heritage Associates is here to help on the hardest of days with insurance coverage and complimentary planning assistance. Losing a loved one isn’t just mentally exhausting, it’s also financially draining. To better protect your loved ones from the financial burden of your passing, consider applying for final expense insurance coverage today. Get your free quote or call us today!

For a deeper understanding of the FTC Funeral Rule, see the FTC’s website.