Ambrose Funeral Home
1200 Garfield Ave, Bay City, MI, 48708
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 Michigan
$2,370 – $7,456
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,370–$7,456. 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.
Business Hours
What Families Say
“Never hired there service but back in 2022 went there to ask if my mother who just passed, been paying here for her funeral services. I know she stated an account here at one time but did not know she switched. The guy that worked did not know and called a lady on the phone. He gave me phone and yelled and called me some very ugly names. I said I was sorry and just asking because my brother said he was going to burn her and not have a funeral services. Grieving my mom I left it at that but it’s no way to treat a person that is grieving. I really hope this person can be a peace with her self”
— jose galindo
“Words cannot express how I feel about Ambrose Funeral Home. Having to deal with them in the past two years for my two sisters was exceptional. Brian may be a businessman, but no way does he come across that way. He is a very kind, caring and compassionate person. He made you feel like you were his friend planning the obituary and service. I would highly recommend Ambrose Funeral Home. They treat you like family!”
— Sue&Jerry Jones
“They went above and beyond anything I could have imagined when my son passed away. The care they put into his service will never be forgotten, they are truly one of kind people. They made the most unbearable time of our lives a bit easier to cope with and we are for forever greatful for their compassion and dedication.”
— Crystal Davis
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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