Funeral Cost Planning Checklist: Know Your Rights and What to Compare — Free
Figures and guidance last verified against official sources in July 2026.
Quick Answer
The FTC Funeral Rule gives you the right to: receive an itemized price list when you call or visit any funeral home, buy only the items you want separately (no mandatory package), use a casket purchased elsewhere without extra fee, and receive a written itemized statement before any services begin.
Your Rights Under the FTC Funeral Rule
- You have the right to get an itemized General Price List (GPL) when you inquire in person or by phone.
- You can purchase individual goods and services — you are NOT required to buy a package deal.
- You can buy a casket online or from a third party; funeral homes cannot refuse it or charge a handling fee.
- Direct cremation or immediate burial cannot require embalming.
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Frequently Asked Questions
What is the FTC Funeral Rule and what rights does it give me?
Enforced by the Federal Trade Commission, the Funeral Rule gives consumers the right to obtain itemized General Price Lists, select individual items, and purchase caskets from third parties without extra fees.
What is typically included in a funeral home’s basic services fee?
The basic services fee covers administrative overhead, securing death certificates, housing the remains temporarily, and coordinating with cemeteries or crematoriums.
Can a funeral home require me to buy a casket from them?
No. Federal law prohibits funeral homes from requiring you to buy a casket from them or charging a fee to handle a third-party casket.
What is the difference between a burial and direct cremation?
Direct cremation involves cremating the body shortly after death without embalming, viewing, or a formal visitation ceremony, making it significantly less expensive.
What is a pre-need funeral arrangement and is it safe?
Pre-need arrangements allow you to pay for funeral services in advance. Ensure pre-paid funds are held in a state-regulated trust or funeral insurance policy.
What should I bring when comparing funeral homes?
Bring a notepad, a friend or family member for emotional support, and insist on receiving a copy of the General Price List (GPL) before discussing services.
What questions should I ask a funeral director?
Ask for the GPL, whether embalming is mandatory for your chosen service, itemized costs for facility use, and all cemetery/third-party cash advance fees.
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About This Educational Estimate: This tool is for educational purposes only. Seniors Audit uses the official formulas published by Federal Trade Commission (FTC), but results are estimates based on the information you entered. Rules, rates, and eligibility thresholds change annually and vary by individual circumstance.
Always verify your specific result directly with Federal Trade Commission (FTC) at 1-877-382-4357 or at www.ftc.gov before making enrollment, coverage, or financial decisions.
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Seniors Audit is independent and not affiliated with any government agency or insurance company. We are not affiliated with, endorsed by, or connected to any government agency, insurance company, or financial services firm. All calculations use the official formulas and current figures published by the agencies listed above. We do not receive payment for referrals, leads, or any action taken by visitors to this site. Last reviewed: July 2026.