How The Funeral Rule Can Help You?

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  • Post last modified:October 7, 2019

Do you even know how the funeral rule works and how can you get help?

Here we will discuss the rules, death benefits and costs in detail.

Many things happen when one dies. There are so many things to deal with other than grieve, and one of them is funeral arrangements. Arranging for a funeral can be tricky, especially when you were not prepared.

In the process, some people may take advantage of others. Especially people who do not understand how the whole process should be done and their rights. As a result, the funeral rule is there to help in many ways.

What is the Funeral Rule?

The funeral rule is a rule that was introduced in 1984. It was made to help consumers of funeral products to get their rights. It is meant to protect consumers whenever seeking funeral services.

With the rules, it does not matter whether you are doing advance shopping or immediate, they will work for you.

However, the funeral rule is not meant to work for third parties such as retailers of products like caskets.

There are several ways through which the funeral rule is supposed to help you in case you are seeking funeral services in advance or not. Make sure you know your rights and where they can help you better.

What You Should Know about the General Laws?

There are so many things consumers do not know whenever they are arranging a funeral. You are grieving, but that does not mean you deserve to be mistreated or harassed. And this is where the funeral rule comes in.

Through the funeral rule, you get a clear disclosure of all the local laws you need to know about before buying any products. This means that it will be within your rights to get all the information.

Different states have different laws, and the funeral rule will help you know about them before doing anything.

It helps you get a written acknowledgment indicating that you do not have to buy the whole package of the funeral arrangement. It is a move that saves you from spending so much on the entire arrangement.

· Details of the Funeral

Have you come across people complaining that they spent more than they intended in a funeral simply because they did not know what was going on? Dealers want you to get into a contract and spend on items you do not know their cost.

The funeral rule is meant to make sure that this does not happen. Before you can make any orders, you will get clear information on how much is to be used on a formal funeral and the expenses for each item.

Through the funeral rule, you get the right to ask for a general price list that will indicate how the whole funeral arrangement will be conducted and the price of everything. It does not matter the nature of the funeral, but the general list will be provided to you for free.

The general price list is very crucial, and it will help you have a projection of how much it will cost versus how much you have.

· Cremation

Who said that cremation is not part of the funeral expenses? Why do you need to use a costly box or container during cremation? You do not have to carry the burden of an expensive box that will be burnt in the next few minutes.

As a result, the funeral rule requires funeral homes to find the most inexpensive and unfinished wooden box to cut the cost. An alternative container can also be sourced for use in the cremation process.

As the consumer, you also deserve full disclosure of such expenses.

· How about the Caskets?

Have you come across a funeral home intending to force the consumer to use a casket in cremation?


This is because the funeral rule prohibits such activities. Caskets can be expensive, and as a result, they should not be used in cremation.

The funeral rule requires all funeral homes to offer price lists and written descriptions of all caskets before they can be provided for sale. It will enable you to compare the caskets and their prices before you start buying. It Avoids overspending.

In case you come with casket outside the funeral home, then they should not charge you any fee for handling.

· Help on the Deceased

Your deceased must be treated with respect. The funeral rule protects everything revolving around the deceased. In this case, any transportation arrangements must be disclosed.

In case of any viewing and visitation then the same should be disclosed and any expenses well stipulated.

The funeral rule also requires that as a consumer, you receive a written statement of everything you have agreed to before you can pay.

· Obtain Prices Over the Phone

Are you worried about the prices of arranging a funeral service? Do you want to know about the charges from different funeral homes and do not know what to do? Then the funeral rule is meant to take care of this.

In the past, there were many cases of funeral homes taking advantage of consumers when they call to ask questions about their services and prices.

With the funeral home, you have the right to enquire about the prices of different things and even ask if there are any discounts. You do not have to worry when doing this since the funeral home is not allowed to ask you for any personal details such as phone number, address, or name.

· You Get a Written Statement

Transparency is critical for any business. The same case applies when you are seeking funeral services from a funeral home. The rule requires them to provide you with a written statement before making payment of everything you have agreed on.

In such a case, all you have to do is take your time to examine all the products available. If you are interested, ask for discounts where you want until you are satisfied. Once all is good, the funeral home will offer a written statement indicating every arrangement.

Funeral Rule and Insurance Death Benefits

In most cases, life insurance benefits are meant to cover funeral expenses, and the rest take care of the deceased. What this means is that every coin must be spent in the right way. The funeral rule is there to help the beneficiaries avoid exploitation.

It is a rule that ensures the beneficiaries receive the right treatment when seeking funeral services. You do not have to waste money by getting the wrong services. Although there may be differences in the nature of funeral rules from one country to the other, they are all meant to serve the same purpose.

The Bottom Line

The funeral rule is one of the essential rules that take care of the beneficiaries once you are deceased. It is meant to make everything smooth for the beneficiaries and avoid getting into trouble with funeral homes and it also ensures that funeral homes follow the right procedure when selling your funeral services.

It is also crucial to make sure that you understand the details of the funeral rule around your place which will help you get the best treatment.

Linda Chavez

I'm a burial & senior life insurance expert, independent agent, Founder & CEO of Seniors Life Insurance Finder. I have been working in this sector since 2004 and established my own company in 2014. I have a team of seven members, and we are trying hard to share the knowledge we've gathered. We know how difficult often it is to find an affordable policy. Hence, we are doing our best to help you.