How to Hire a Funeral Director

10 Questions to Ask Before Hiring a Funeral Director

If you choose to hire a funeral director to help with final arrangements, experts recommend interviewing more than one -- in person, if possible -- to compare their costs, services, and personal styles before making a final hiring decision. It can also be helpful to bring along a reliable friend or family member for moral support and for another opinion.

When conducting the search, consider asking the following questions to help find the goods and services that best meet your needs.

1. What Alternatives Are Available for Disposing of the Body?

A reputable funeral director will mention not only the most common types of final arrangements, such as embalming and a traditional earth burial, but will also be willing to discuss other possible options, such as cremation, above-ground burial in a mausoleum, or donating the body to a medical school or clinic as an anatomical gift.

2. Can I See a Price List Before Making Any Decisions?

A broad federal law, the Funeral Rule, requires funeral directors to give you pricing information when you're shopping for funeral goods and services (and many consumer groups advocate that you know the general prices of funeral goods before looking at the specific goods). The law's mandates vary a bit depending on whether you visit the funeral home in person or are making initial inquiries over the phone.

For example, if you ask about final arrangements in person, the law requires funeral directors to give you a written general price list that you can keep, itemizing the range of costs of the goods and services offered there. Before you look at any caskets or outer burial containers, be sure you have a price list with specific prices for each item you will see. If a local or state law requires a particular item -- for example, a container to surround the casket -- the price list must state this, and include a reference to the particular law. The list must also reaffirm that you're free to choose the goods and services you want.

If you're shopping for funeral goods and services over the phone, which may be less stressful for some people, funeral home representatives are legally required to provide price information to you if you ask for it. The key here is asking -- and being as specific as possible. For example: Mention a particular type and style of casket so that you can compare the price tags of more than one provider. And while it's not required by law, a funeral director may also agree to mail you a price list that you can peruse at home.

3. What Are the Basic Costs Involved?

Some people are uncomfortable bargaining or comparison-shopping when it comes to funeral goods and services. But there may be a lot of money at stake. Ironically, dying is one of life's most costly expenses -- third in line after a house and a car, for most people.

The Funeral Rule, the federal law that regulates funeral services and purchases, allows providers to charge a basic fee for overhead and services common to most arrangements. The basic services fee commonly includes these items:

  • Funeral planning

  • Securing the necessary permits and copies of death certificates

  • Preparing the death notice

  • Storing the body

  • Coordinating arrangements with a cemetery, crematory, or other providers

While you can't decline to pay the basic fee, you should be aware of exactly what services are included in it.

4. What Other Costs Will There Be?

Beyond the basic service fee, funeral homes charge additional amounts for other goods and services related to the final arrangements.

The Funeral Rule is both broad and specific in requiring that funeral homes must provide a written list specifying the costs of the basic services of the funeral director, staff, and overhead, along with all of the following items that it offers:

  • Forwarding remains to another funeral home

  • Receiving remains from another funeral home

  • Direct cremation

  • Immediate burial

  • Transferring remains to the funeral home

  • Embalming

  • Other preparation of the body

  • Use of facilities and staff for viewing

  • Use of facilities and staff for funeral ceremony

  • Use of facilities and staff for memorial service

  • Use of equipment and staff for graveside service

  • Hearse

  • Limousine

  • The range of casket prices appearing on the establishment's casket price list

  • The range of outer burial container prices appearing on the outer burial container price list

This list of costs that must be itemized is exhaustive, and while it may feel exhausting to review and compare them to price quotes you receive from other providers you're considering hiring, it's a wise consumer practice.

5. What's Included in a Charge for a Cash Advance?

Some providers also charge to cover amounts paid up front for funeral goods and services purchased from outside vendors and providers. These include charges for incidentals such as flowers, obituary notices, and an honorarium for the officiating clergy. Bear in mind that these costs are optional and may be negotiable. For example, if you or another person is willing to write and place an obituary, you can save on this cost.

6. Is Financial Assistance Available?

Funeral directors deal daily with death goods and services. If asked, they should be able to provide information on finding and qualifying for financial assistance with funerals from local, state, and national sources.

7. How Long Have You Been in Business?

There are, of course, many businesses that offer stellar services from the day they open their doors -- and some that manage to operate for years despite shoddy service records. But a funeral home that's been in business for a long time is usually more apt to provide dependable service, along with a list of clients you might consult if inclined.

8. What Memberships and Licenses Do You and Your Staff Members Maintain?

As with other professions, there are a number of organizations that funeral practitioners may opt to join. These organizations, including the National Funeral Directors Association and the Academy of Professional Funeral Service Practice, offer programs, information, and some certifications. While participation in such groups isn't mandatory, it may indicate that a particular funeral director and the staff remain interested in industry trends and committed to continuing related educational studies.

In addition, state laws require funeral directors, funeral establishments, crematories, and cemeteries to secure and maintain licenses to do business. The agencies that issue such licenses differ by state. To check on whether an individual and establishment are licensed and in good standing (and to see if they have any violations), contact the local department of consumer affairs or the state's board of funeral directors and embalmers. To find your state licensing board, Google search using this format: "Pennsylvania State Board of Funeral Directors."

9. Are You Locally or Nationally Owned?

Many of the neighborhood funeral homes that were once owned and operated by generations of the same family are now owned by a national conglomerate.

Most notably, Service Corporation International, or SCI, currently operates more than 1,500 funeral homes and 400 cemeteries throughout the United States, Canada, and Puerto Rico. In a practice that some cite as confusing or deceiving, the name, appearance, and even the personnel often remain unchanged after a corporate buyout, leaving the lasting impression that the place remains locally owned. But for better or worse, the local business's policies and procedural controls are usually supplanted by the national corporation's in the interest of consistency.

Other corporations include Stewart Enterprises, Carriage Services, and StoneMor. There are also smaller companies that may be family-owned but not family-operated. For example, a family in Virginia may own several homes in that state and neighboring states. Family owned, yes; but it's still a big company with financial goals that could affect how business is conducted.

If the ownership issue is important to you, ask about it.

10. Do You Hire Any Services From Other Providers?

Many funeral providers pride themselves on being one-stop operations that provide the diverse services related to final arrangements, from refrigerating, embalming, and cremating a body to supplying vehicles to transport surviving friends and relatives to the funeral and burial site. Some, however, contract some of these services from outside providers. While this doesn't always signal an increase in overall costs, it may. Just be sure you're aware of what services are provided by every establishment -- and whether there's a markup for them.

13 days ago, said...

Too often, a death is an untimely and unwelcome surprise. Because funerals are expensive, some people make the preparations to provide for a funeral before they pass away. However, in the case that the passing is a surprise, the funds may not be immediately available. Your sixth bullet point can provide a temporary solution to this problem. Financing may be the only option for some, unfortunately.

almost 4 years ago, said...

Hello "US Funerals Online," Thank you for your input! We have made a correction to the article. Please don't hesitate to be it touch with our team through the blue feedback button to the right if you have any other questions -- we're happy to help!

about 4 years ago, said...

Just to clarify - the opening statement of this article is incorrect. There are in fact laws in a few states that DO require you to employ the services of a licensed funeral director. There are 8 states that require this. Only the funeral director can certificate the death, although you can arrange to conduct a 'home funeral' if you wish, but you will still need to pay a funeral director for his basic professional services. The rest of this article provides some useful information. If you would like to check more specific state laws on funeral arranging, visit US Funerals Online, where you will find detailed guides for each state listed in our library section.

about 4 years ago, said...

how do you pull up the obituaries?

about 4 years ago, said...

While preparing my own funeral and all that it entails, this is exactly what I needed to know; and so much more. thank you for providing this vital information.

over 4 years ago, said...

Could you please give me some information on planning a funeral for a verteran? Who pays what and does VA help in any way?

over 4 years ago, said...

Hi, My name is Rachel and I don't know if this is where I should be asking this but a friend of mine died almost 3 years ago and I'd like to find where his grave site is so I can visit him. I've been searching online for a while trying to find somehow to find him. I miss him so much and I'd just really like if someone could help me if that's even possible. If not thank you anyways

over 4 years ago, said...

Great article! Conversations about death are too few and far between. Something so inevitable gets so little attention. Bringing up the subject is important for everyone and for so many reasons. It eases the pain and helps to everyone to prepare for the moment. My motto: be ready, be prepared. Put preparations behind you so that you can enjoy life! Donna Vincent Roa Author, "The Ultimate To Do List When Your Loved One Dies: Before & After the Funeral

almost 5 years ago, said...

Hi RachelDuncanĀ­, Thank you very much for your question. If you'd like, you can post it in our Ask & Answer section here: ( ). I hope that helps, take care -- Emily | Community Manager

about 5 years ago, said...

I am so very sorry for the many losses. It is already a hurtful time. I will keep you all in my prayers. God knows your names and your loved ones names too.

about 5 years ago, said...

Thanks. I have life insurance. I've been told... " Yes. Life insurance covers funeral expenses and all..." I've also been told. "No. It doesn't cover it all." That got me to wondering. What is the purpose of having life insurance?" Rachel Duncan

about 5 years ago, said...

Actually, some states, such as Indiana, DO required a bereaved family to choose a licensed funeral director-all the more reason to make this important decision prior to need, and to know the firm you are dealing with!

over 5 years ago, said...

I had to deal with the sudden death of my son. When he passed, I had no idea on how to deal with making these type of arrangements. My brother helped me make them, and I am grateful to a certain extent; but nothing was done according to my wishes. Having the information the article gave is a big help and the info is invaluable.

over 5 years ago, said...

Learning that just because a funeral home has the same name and location doesn't mean they haven't been taken over by a total different entity. That will make a difference for me since my Mom (who is not deceased yet, and no time soon I hope) has already specified which funeral home she want's to handle the ceremony. They've been around town for ages and still are. She has terminal CA but is still spry and not having the need for help with daily living issues. I'm saving this article in case/when I need it.

over 5 years ago, said...

Although there is no law to hire a funeral director, for a funeral, but a funeral director and funeral establishment (both licensed) to dispose of the human remains. As a funeraldirector/embalmer that is the law.

over 5 years ago, said...

Be prepared before the need. We thought we were. On the night of my Mother's passing we were told she had only hours left. We were instructed to notify Hospice who would take care of her immediate end of life matters for us. On this same night the Police had taped off access to our street for police matters a few blocks away. When the time came we called Hospice and waited. an hour later Hospice called us back to tell us they (she) was not permitted access to our street and that we would have to call a funeral home. By this time it was well after midnight. We searched the yellow pages and internet to find a service that would help us. We finally found a service that would pick my Mother up at that late hour, Gates Kingsley and Gates. They too were refused access to our street. It was five hours before my Mother was removed from her home. Five hours! Surely nobody can predict something like this,. It just seemed to make matters worse for us if that was possible. Later that morning my Brother and I went to the funeral home to see what needed to e done. We had already decided to have only a grave side memorial. Mom was 81 and most of her friends were already gone. We didn't want a viewing and didn't need a Funeral Gathering. Just a prayer at her grave site. Her grave plot was already paid for. The "Funeral Home" cost was well over $6,000. The cemetery TRIED to charge us over $10,000. It was a good thing that our Mom kept such good records. Even after explaining to them that our Mom was to be buried with our Dad who was already gone they still tried to charge us. They kept leaving the room to go talk to "someone" and would return with a reduced amount we would still owe. It wasn't until I had to explain to them that our Dad was already in there pointing to the ground and showing them a copy of the headstone order for Dad that included Mom's name already printed on the stone did he finally "get it".! He came back once again for a charge of $48 for a flower vase. We didn't need that, Dad already had one! We owed nothing to bury our Mom at Woodlawn Cemetery in Santa Monica, Ca. I still think about the $6,000 plus charge for refrigeration and transportation. Spare yourself the added grief and get these things taken care of in advance. Things will be hard enough for you. God bless you.

over 5 years ago, said...

when my husband died 3 years ago: I had just had the first of my hips replaced and was on strong doses off pain killers and in a walker. I did explain to the funeral director that Hubby had died without any insurance, was on Medicaid and VA assistance as well as SSA and that I lived in subsidized housing and had NO MONEY. All our income stopped at time of death. I was not informed of availability of county help for burial. We, family and I, requested a closed casket but body preparations were done and billed for. I never understood why and had I been informed I would have vetoed a shave and a haircut as Hubby was quite proud of his little ponytail and beard. I asked for NO ENBARMING and was informed that because the Funeral Director was "too busy" to bury him within the 3 day limit it was necessary. After the VA paid their share and SSA pain their share I was left with a $4400+ bill. I sold our wedding rings and everything else I could lay my hands on to give to the Funeral Director all the money I could raise which bought the bill down to $2200. I offered to pay $50.00 a month which was all I could spare in a letter containing the firs $50. payment. My terms were rejected (but he did cash my check) and turned me over to a lawyer for collections. They were also charging me 3X the state limit on interest., according to the State Attorney Generals Office. I called legal Aid: they advised me to NOT pay any more money, to allow the Lawyer take me to court for the balance.... but to not appear and accept the Judgement against me. I wanted badly to go to the court proceedings and tell my side but on the day of court I was receiving radiation treatments for an aggressive cancer. Here I am with a Judgement against me, which I cannot pay, which is still gathering interest, still dealing with the cancer treatments and their aftermath. Please, People, don't let the above happen to you. Be prepared. I wasn't.

almost 6 years ago, said...

Hi aj35bbs, So sorry to hear about your loss. It's never easy to lose a loved one, and it can become overwhelming when arrangements need to be made. Here is a list of all of the funeral homes in Alabama ( If you'd like to refine your search, just type in your city and state into the "Location" search box to see resources closer to where you live. Hopefully from there you can find some resources that can be of help to you. You and your family will be in our thoughts through this difficult time. - Caring Community Team