Utah Insurance License Number: 88816
Pre-Need Sales Agent Number: 325672-5802
New Information ...
How to Study and Compare Funeral Homes in Utah
Everything You Must Know So Your Family Isn't "Taken"
Whether you are shopping around to find the right funeral home or whether you are trying to fully understand the charges made by just one funeral home, funeral homes are required by law to give you or send you a General Price List either in person, by postal mail, or by email. If you call them on the telephone or contact them via the Internet, they cannot tell you that you must come in to get one. They must send it to you immediately with no conditions. Many funeral homes have the General Price Lists posted on their Web sites.
On this Web page, I am going to enable you to understand General Price Lists as completely as possible before you decide on any funeral home or funeral plan.
Almost every funeral home offers 'packages' of services, which can include merchandise, that most people use. Each package contains the most popular as well as the mandatory items. Packages are easier to understand and compare than are itemized lists. Packages are 'apples to apples.'
Click Funeral Home Name to Go to Their Web Site
Funeral Home Survey
(These packages are WITHOUT a casket, burial vault, obituary, grave opening, etc. This is for a full traditional funeral service only).
(CASKETS NOT INCLUDED)
Below are some General Price Lists from funeral homes and funeral service providers you might want to look at. Then read the rest of this page and look through the rest of the entire Web site.
Click Here For an Explanation of the General Price List
Neil O'Donnell & Sons Mortuary
Memorial Mortuaries (Memorial Estates)
Russon Brothers Mortuaries
Starks Funeral Parlor
Broomhead Funeral Home
Legacy Funerals & Cremations
Premier Funeral Services
Southern Utah Mortuary
General Price Lists often have packages printed on them, but some don't. Packages tend to be special pricing, and funeral homes are not required to print them on General Price Lists.
FINDING CASKET PRICES
Most General Price Lists don't have a casket price list but instead have a "range," which tells you nothing. You need a separate list. Often their casket prices, along with pictures, are on their Web site. The best thing to do first is to decide on your price range and stick to it. Use my casket page or Costco (or some other source) as your reference. Don't buy expensive caskets!
My recommended price range: $695 to $1,695.
The funeral service package prices in my survey all are WITHOUT a casket. But most of those prices are contingent upon your buying a casket through that funeral home. Otherwise, the price for the package of services is higher. This is where many funeral homes can trick you--where they give you a reasonably low price for a package of services but over-charge for the casket. You want both the services package and the casket to total the right price.
Other casket lists you may want to study:
Premier Funeral Services
Legacy Funeral and Cremations
Click Here to Dowload BLANK Form of Above
Find the individual costs in Section I from the General Price List you are looking at, or put in the PACKAGE price. If the package price is to be found on the General Price List, put it under "SUBTOTAL - SECTION I". Then move on to SECTION II to put in casket and vault prices.
A contract called a "Guarantee Form" is attached to a special life insurance policy designed to prepay for a funeral. These two items together constitute a guaranteed, "frozen" funeral plan. The funeral home (funeral service provider) decides which services and merchandise it can freeze the cost of in advance. Frozen costs means these items will be provided at the time of need, regardless of what they are charging new customers. There will be no need for the family to come up with additional money.
The back side of the guarantee form explains how the funeral home can never charge you more than what they receive from the insurance company at the time of death. They can never bill you more for a shortage on anything specificied on the front side of the form:
Note the words "regardless of the market price at the time of need." This is your cost and price guarantee. Remember there is a difference between prices now and your cost of the plan. There is a cost associated with stretching any plan out over time. Today's prices are the basis of the plan. The funeral home isn't obligated to charge today's prices at the time of need. They cannot, however, charge you more than the proceeds of the insurance plan. They must accept what National Guardian Life or other company sends them as payment in full, regardless of their prices at the time of need. Their "insurable interest" is what they are charging at the time of need, but it cannot be more than your insurance on the plan pays. They must "eat" the difference if they are charging more than the insurance or "death benefit" is worth.