The Federal Trade Commission's (FTC) Funeral Rule requires all funeral providers to give information to consumers to help them choose the services and products they want for their deceased relative or friend. Funeral providers must give you a general price of products and services when you ask in person about funeral arrangements and you have the right to keep this list. Furthermore, funeral providers must make price information available over the phone upon request. The funeral provider must give you any other information that is reasonably needed to select the funeral provider and funeral items you want, need, and are able to afford.
If the funeral provider charges a fee for buying "cash advance items," this must be disclosed to you in writing. Cash advance items are those goods and services paid for by the funeral provider on your behalf, such as cemetery plots, flowers, obituary notices, and clergy honoraria. You must also be notified if a service fee is added to the price of cash advance items, and if the funeral provider gets a refund, discount or rebate from the supplier of any cash advance item.
A West Virginia Prearranged Funeral Contract with Statutory Disclosures is a legally binding contract that allows individuals to plan and pay for their funeral arrangements in advance. It ensures that their final wishes are fulfilled and eliminates the burden from family members during an emotional time. The main objective of a West Virginia Prearranged Funeral Contract is to provide clear instructions and financial security for funeral arrangements. It is governed by West Virginia law and contains specific statutory disclosures to protect consumers' rights. There are different types of prearranged funeral contracts available in West Virginia, including: 1. Revocable Contracts: This type of contract allows the buyer to make changes, cancel, or transfer the existing contract at any time. The buyer retains full control over the arrangements until their passing. 2. Irrevocable Contracts: Irrevocable contracts cannot be changed or canceled without the written consent of the funeral director or provider. Once signed, the buyer is committed to the agreed-upon arrangements. 3. Preened Funeral Insurance: In addition to prearranged funeral contracts, West Virginia also offers preened funeral insurance. This type of contract allows individuals to fund their funeral expenses through insurance policies. West Virginia Prearranged Funeral Contracts with Statutory Disclosures include important information such as: 1. Identification and contact details of the buyer and funeral provider. 2. A detailed description of the purchased services and merchandise (e.g., burial plot, casket, transportation). 3. The total cost and payment terms, including any finance or interest charges. 4. Information about the funeral home's refund, cancellation, or transfer policies. 5. An itemized list of any additional fees or charges (e.g., embalming, memorial services). 6. Disclosure of how funds are protected and whether they are placed in a trust or an insurance policy. 7. Clear instructions regarding the transferability of the prearranged contract. 8. Disclosure of any commissions, fees, or benefits the funeral provider may receive from third parties. It's essential for individuals considering a West Virginia Prearranged Funeral Contract to carefully review the terms and conditions, understand the statutory disclosures, and consult with a lawyer or trusted advisor if needed. This ensures that their wishes are accurately documented and that they can make informed decisions regarding their final arrangements.A West Virginia Prearranged Funeral Contract with Statutory Disclosures is a legally binding contract that allows individuals to plan and pay for their funeral arrangements in advance. It ensures that their final wishes are fulfilled and eliminates the burden from family members during an emotional time. The main objective of a West Virginia Prearranged Funeral Contract is to provide clear instructions and financial security for funeral arrangements. It is governed by West Virginia law and contains specific statutory disclosures to protect consumers' rights. There are different types of prearranged funeral contracts available in West Virginia, including: 1. Revocable Contracts: This type of contract allows the buyer to make changes, cancel, or transfer the existing contract at any time. The buyer retains full control over the arrangements until their passing. 2. Irrevocable Contracts: Irrevocable contracts cannot be changed or canceled without the written consent of the funeral director or provider. Once signed, the buyer is committed to the agreed-upon arrangements. 3. Preened Funeral Insurance: In addition to prearranged funeral contracts, West Virginia also offers preened funeral insurance. This type of contract allows individuals to fund their funeral expenses through insurance policies. West Virginia Prearranged Funeral Contracts with Statutory Disclosures include important information such as: 1. Identification and contact details of the buyer and funeral provider. 2. A detailed description of the purchased services and merchandise (e.g., burial plot, casket, transportation). 3. The total cost and payment terms, including any finance or interest charges. 4. Information about the funeral home's refund, cancellation, or transfer policies. 5. An itemized list of any additional fees or charges (e.g., embalming, memorial services). 6. Disclosure of how funds are protected and whether they are placed in a trust or an insurance policy. 7. Clear instructions regarding the transferability of the prearranged contract. 8. Disclosure of any commissions, fees, or benefits the funeral provider may receive from third parties. It's essential for individuals considering a West Virginia Prearranged Funeral Contract to carefully review the terms and conditions, understand the statutory disclosures, and consult with a lawyer or trusted advisor if needed. This ensures that their wishes are accurately documented and that they can make informed decisions regarding their final arrangements.
