When you walk into a funeral home, you’re likely dealing with a mix of grief, decision fatigue, and the pressure to make arrangements quickly. That’s exactly why the Federal Trade Commission (FTC) requires funeral homes to provide a General Price List (GPL). It’s not just a list—it’s a consumer protection tool. Understanding the GPL can help you avoid confusion, unnecessary expenses, and help you make choices that reflect your wishes or the wishes of your loved one.
Below are seven things you should know about the General Price List before planning a funeral.
1. The GPL Is Required by Federal Law
Funeral homes are legally required by the FTC’s Funeral Rule to provide a General Price List to anyone who asks, whether in person or over the phone. This rule has been in effect since 1984 and is designed to ensure transparency and prevent deceptive practices. The GPL must list the current prices for all goods and services offered, including caskets, cremation options, embalming, use of facilities, and transportation.
If you’re visiting a funeral home, they must hand it to you before discussing any prices. If you’re calling, they must share pricing information over the phone. No need to sit through a consultation first or commit to anything.
2. It’s an Itemized Breakdown—Not a Bundle
A key feature of the GPL is that it provides itemized pricing. That means you can see the cost for each service individually, such as body preparation, viewing, hearse use, and casket options. You’re not required to buy a “package” of services—you can pick and choose what’s needed. This allows for more flexibility and can significantly reduce costs if you prefer a simpler service or if you’re working within a budget.
3. The “Basic Services Fee” Is Non-Negotiable
Every GPL includes a mandatory “Basic Services of Funeral Director and Staff” fee. This is the only fee on the list that cannot be declined or removed. It covers general overhead, including planning, securing permits, and coordinating arrangements. Even if you’re planning a direct cremation or immediate burial, this fee will be included.
That said, the amount varies by funeral home, so it’s worth comparing GPLs from different providers.
4. You Have the Right to Decline Services
Thanks to the Funeral Rule, you don’t have to accept every service offered. For example, embalming is not required by law in many cases (especially if there’s no public viewing), and you can decline it unless your specific state or situation requires it. You can also bring your own casket or urn without being charged a handling fee.
This flexibility is particularly helpful if you’re exploring green burials, home funerals, or other nontraditional arrangements.
5. You Can Request the GPL Without Committing
You don’t need to sign a contract or commit to services before receiving the GPL. In fact, it’s a red flag if a funeral home refuses to share it or pressures you into a consultation before giving you prices. You can request a copy in person, by phone, or even by email—and smart consumers often gather a few to compare pricing and services.
Some funeral homes now post their GPL online voluntarily, though it’s not yet required. If you don’t see it online, don’t hesitate to ask.
6. It Helps You Compare Apples to Apples
Because every funeral home is required to use the same format for their GPL, it makes it much easier to compare prices across providers. You’ll be able to see, line by line, how much each location charges for specific services, which can highlight big differences in pricing.
This is especially important in areas where costs can vary wildly between providers. One funeral home might charge $900 for direct cremation, while another charges $2,500 for essentially the same thing.
7. It’s Not Just for Death at the Time of Need
The GPL isn’t only useful when a loved one has just died. It’s also an excellent resource for pre-planning a funeral. Whether you’re planning ahead for yourself or helping a parent prepare, requesting the GPL allows you to estimate future costs, compare options, and put a plan in place that reflects your values and budget.
Pre-planning also reduces the emotional and financial burden on your family later. Once you’ve reviewed the GPL and made your choices, you can record them in a document or estate planning tool, so your wishes are clear.
Final Thoughts
The General Price List is more than a formality—it’s a tool designed to give you agency, clarity, and control. During one of life’s most vulnerable moments, knowing your rights and options can make a world of difference. Don’t be afraid to ask for the GPL, to take your time with it, and to compare multiple funeral homes. This single document can protect your wallet and help ensure a service that genuinely honors your loved one—or your own life—on your terms.
Want to learn more? Here’s a link to FTC Funeral Rule.
If you have feedback, questions, or ideas for future articles or Information Hubs, please contact us. Your insights help us create valuable content.
