Cruz Family Funeral Home & Cremation Service
1109 Lincolnway W, Osceola, IN, 46561
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 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
“Having worked with Cruz for 2 family funerals in recent years, we'd highly recommend them. They are sensitive and compassionate, while also professional. They are able to walk through the whole process alongside the family. They gave us their direct number, to reach them day or night with questions as the funeral approached. As hard as death and funeral planning is, they made it as easy as possible. Very much appreciated the services of Brandon and of Michael.”
— Bruce and Shannon Runnels
“My friend had unexpectedly passed away. He had no family but considered me and another mutual friend as his family. He was a Navy Veteran but had little in assets. I spoke with Brandon and he was willing to work with us and take care of our friend with dignity and respect. The Cruz Family Funeral Home and staff were very professional and took great care to make this an easy transition as we said good bye to our friend. With having to deal with so much in settling our friend's estate, it was a comfort to not have to worry about anything when it came to dealing with our friend's cremation. I will highly recommend Cruz Family Funeral Home to help you out in your time of loss.”
— Robert Russell
“I cannot thank Cruz Family Funeral Home enough for their service and grace. We dropped our dog Elias off in their care last night at 7p, by 10:30a this morning he was already ready to be picked up and brought home. The urn is beautiful and the prints are so special. Jodie and Brandon took great care of our baby boy and ensured he’d be back home with us in no time. I cannot thank them enough for not only the service that was provided, but the turn around time. Unmatched. Now our sweet boy is home 🩵”
— Jordan
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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