Gardens of Memory
10703 IN-3, Muncie, IN, 47303
Questions to Ask When You Call
You're not expected to know this. These questions help you compare and avoid surprises.
“Can I see your General Price List?”
Federal law (FTC Funeral Rule) requires them to give you itemized pricing. You have every right to ask.
“Do you accept insurance assignment?”
This means they bill the insurance company directly. You don't pay thousands upfront and wait to be reimbursed.
“What's included vs. what's extra?”
Packages may not include everything. Ask about the casket, embalming, transportation, facility fees, and death certificate copies.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
Know Your Rights
The FTC Funeral Rule protects you. Every funeral home must provide an itemized General Price List if you ask — in person or over the phone. You are never required to buy a package and can choose services individually. You also have the right to use a casket purchased elsewhere.
Payment & Financial Options
Average in Indiana
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,246–$7,063. If your loved one had a life insurance policy, the benefit can cover these costs — and we'll file the claim and handle the carrier for you, even without the policy number. $0 upfront, and nothing if it doesn't pay out.
Services Offered
Business Hours
What Families Say
“Where do I start! Suni is amazing! From the time I entered her office and all my interactions and encounters with her are beyond words to describe the wonderful person she is and the passion she exudes in her role! She is certainly a value to Garden of Memory and her professionalism, kindness, compassion and passion for helping others will always be remembered!!”
— Crystal Evans
“Kyli was very easy to work with on our funeral planning. We sincerely appreciated her respectful manner and communication skills. She gracefully shared information with us and willingly listened to our thoughts. Kyli is very good.”
— Jane Reed
“Both my mother and I would like to sincerely thank Britney and Sunni for helping us setup the preplanning and the purchasing of the niche space in the mausoleum for the final resting place for her and my step-dad. They went above and beyond in this whole process for us and made us feel at ease. Thank you so very much!”
— Candace Manship
We can help with what comes next.
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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