North Florida Cremation
1532 Jenks Ave, Panama City, FL, 32405
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.
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 Florida
$2,495 – $7,848
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,495–$7,848. 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
“Tonya and Tim were angels during this difficult time for our family! They took care of everything I asked with ease and no fuss. Losing my dad was extremely difficult and honoring his wishes took some working out with other family members and Tonya at North Florida Cremations worked with me with so much patience and understanding. I had to have urns and necklaces ordered and have my mom and dad entered together and they did it without question! I am truly grateful to have had them take care of them and help me through this. It’s just like having a very understanding family member guide you through the whole process! I 110 million percent recommend them to help with your families final wishes! Thanks again and I will never forget them!!”
— Heather Mann
“North Florida cremation was absolutely wonderful to me and my family. They explained everything step by step and answered all of our questions about our loved one. I would highly recommend them to anyone!! Thank you so much for all your help!!”
— Lorene Coxwell
“My niece passed away unexpectedly and she did not have insurance or assets. North Florida Cremation helped us by providing an affordable option. They are in business for the right reasons and it is obvious when you interact with them. They are very caring and provide outstanding service! We highly recommend them!”
— Richard Gutknecht
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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