- 25pages
- 3letters and scripts to adapt
- 8tables and worksheets
- 32checkboxes
How we check
Verified, page by page
- 108automatic checks run on the site before every update
- 14official .gov pages read and cited, on October 22, 2026
Reviewed by industry professionals.
- Primary sourcesThis guide is built from the guidance of the Federal Trade Commission, the U.S. Department of Veterans Affairs, the Social Security Administration, the Office for Victims of Crime and the U.S. Environmental Protection Agency.
- Every fact has its sourceEach guide lists the pages it relies on, with links, so you can check any point yourself.
- DatedSources read on October 22, 2026; each page shows when it was last updated.
What you will be able to do
- Know your rights in ten minutes: prices by phone without giving your name, the written price list, buying only what you want, your own casket or urn with no fee.
- Read the General Price List line by line: the 16 items it must show, the one fee you cannot decline, cash advance items and packages.
- Know who pays and how to spend less: prepaid plans, life insurance, the estate, the VA allowance, crime victim compensation, and the FTC's own ways to keep the cost down.
- Choose between burial, cremation and the options in between, with the questions that decide it.
- Recognize what is never required, and ask the one question that settles it: "Is that required by law, by the cemetery, or by you?"
- Handle the cemetery, the obituary and the veterans benefits: flag, honors, national cemetery, headstone.
- Arrive prepared: a comparison sheet, twenty questions for the meeting, a checklist, and a letter to ask for a corrected statement if needed.
Who it is for, and who it is not for
For you if you want to make decisions calmly, at a fair price, and feel sure you are not paying for something you did not choose.
Not for you if you are looking for a list of funeral homes near you: for that, see our page on finding a professional.
What makes it different
The FTC's consumer pages are the authority, and this guide quotes them; but they are articles, not a workbook. Guides published by sellers rarely put the price list and the comparison sheet at the center. This one does, with an invented family's walk-through of a typical arrangement meeting.
The complete table of contents
The real table of contents of the guide, with its page numbers.
- Your rights in ten minutesp. 5The rights that matter most · Why it is worth knowing
- Before the arrangement meetingp. 7Who decides · Paying for it, and spending less · Look for what already exists · Calling two funeral homes · What to bring to the meeting · What the meeting looks like: a walk-through
- The price list, line by linep. 10The basic services fee · Cash advance items · Packages
- Burial, cremation and everything in betweenp. 12The main options · Questions that decide between them · Embalming, viewing and refrigeration
- What is never requiredp. 14
- The cemetery and the memorialp. 15If there will be no burial
- Veteransp. 16
- The service itselfp. 17Choosing the kind of gathering · A typical order of service · The obituary and the death notice · The decisions sheet
- Planning ahead and prepayingp. 19Deciding without paying · If you prepay, ask these questions first · Tell the family where the plan is
- Worksheets to printp. 20Comparison sheet: two funeral homes · Checklist for the arrangement meeting · Twenty questions for the arrangement meeting · Notes from the meeting
- If something goes wrongp. 23
- Sourcesp. 24
A look inside: real pages of the guide



In pictures



Illustrative photos, published by their authors under free licences.

The workbook to take to the funeral home: your rights under the FTC Funeral Rule, how to read and compare General Price Lists, burial, cremation and their options, what is never required, veterans honors, the questions to ask and a side-by-side comparison sheet.
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Common questions
Does the guide tell me which funeral home to choose?
No. It recommends no funeral home, cemetery or product. It shows you how to compare two of them on the same items, with the FTC's own checklist categories.
Does it give prices?
It gives no local prices, which vary too much. The only figures are the national medians published by the funeral directors' association for 2023 ($8,300 for a funeral with viewing and burial, $6,280 with cremation), which exclude cemetery costs, and the guide says so.
Is embalming required?
Not routinely. According to the FTC, no state law requires routine embalming for every death; some states require embalming or refrigeration after a certain time. The guide explains the options, including a private family viewing.
I am planning my own funeral. Is it useful?
Yes. A chapter covers planning ahead without paying ahead, the six questions to ask before prepaying, and where to keep your wishes so your family finds them.
Sources cited in the guide
- Federal Trade Commission, Consumer Advice, "The FTC Funeral Rule", read on October 22, 2026.
- Federal Trade Commission, "Complying with the Funeral Rule" (business guidance), read on October 22, 2026.
- Federal Trade Commission, Consumer Advice, "Funeral Costs and Pricing Checklist", read on October 22, 2026.
- Federal Trade Commission, Consumer Advice, "Shopping for Funeral Services", read on October 22, 2026.
- Federal Trade Commission, Consumer Advice, "Planning Your Own Funeral", read on October 22, 2026.
- National Funeral Directors Association, "2023 NFDA General Price List Study", news release, 2023.
- National Funeral Directors Association, "NFDA Releases 2025 Cremation & Burial Report", 2025.
- Social Security Administration, "Lump-sum death payment", read on October 22, 2026.
- U.S. Department of Veterans Affairs, "Veterans burial allowance and transportation benefits", read on October 22, 2026.
- Office for Victims of Crime (U.S. Department of Justice), "Victim Compensation", read on October 22, 2026.
- U.S. Department of Veterans Affairs, "Eligibility for burial in a VA national cemetery", read on October 22, 2026.
- U.S. Department of Veterans Affairs, "Burial flags to honor Veterans and Reservists", read on October 22, 2026.
- U.S. Department of Veterans Affairs, "Veterans headstones and markers" (last updated December 15, 2025), read on October 22, 2026.
- U.S. Department of Veterans Affairs, "Presidential Memorial Certificates", read on October 22, 2026.
- VA National Cemetery Administration, "Military Funeral Honors", read on October 22, 2026.
- U.S. Environmental Protection Agency, "Burial at Sea", read on October 22, 2026.
Related guides
- Funeral pre-planning: deciding ahead without paying too soonWhat to decide, how to compare funeral homes, and what to ask before you prepay.
- Finding professional help for a funeral or memorialCelebrants, funeral homes and eulogy writers: what they do and what to ask.
- Funeral program: what to includeThe panels, the wording and how to print it.