Garden Island Mortuary Ltd
23-780 Kaumualii Hwy B, Lawai, HI, 96765
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 Hawaii
$3,618 – $11,380
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,618–$11,380. 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.
What Families Say
“My brother-in-law recently passed away. We chose Garden Island because they are available 24 hrs a day. Bruce was prompt and very considerate, during a time of extreme stress it was great to find someone that didn’t falter in the least when we called at the early hours of the morning for him to come to Haena, past the convoy restriction. Bruce is an honest, trustworthy individual running a very honorable business. Bruce makes a very difficult time a lot more easy.”
— Sam Ortega
“Garden Island Mortuary would receive zero stars if that were a possible rating. They conducted a viewing with the wrong body and Bruce was too busy to even talk to us before, during, or after to correct the matter. What was supposed to be a final goodbye was robbed from a grandfathers only grandson. Additionally, there is the concern of the other family that was involved in this matter. Our family member was to be cremated, while the other body was to be buried. Future customers BEWARE they do no handle your loved ones with respect. The most disrespectful, unprofessional, and inappropriate experience for us in our time of grief. We are extremely upset and will never be conducting business here.”
— Kellyne Weathers
“BEWARE OF THIS COMPANY BRUCE WAS VERY UNPROFESSIONAL AND RUDE TO ME AND MY FAMILY. THE DAY OF THE VIEWING OF MY GRANDPA BRUCE STAGE OUT A DIFFERENT PERSON. HE DIDN’T WANNA TALK TO US AND STAYED AT THE BACK WHEN WE ADDRESSED IT. ALL HE SAID WAS YOU GOT 30 MINUTES.”
— Jus Tan
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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