Israel S Ray Funeral Home
2101 W 9th St, Chester, PA, 19013
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 Pennsylvania
$2,745 – $8,633
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,745–$8,633. 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
“I have different views when it comes to the idea of what this place represents or is needed in regards to just know that as long as you've taken care of the necessary important part of your life's journey there are people here whom are more than willing to get the job done I don't believe money is the issue but some people forget life is important when you have it and you do any thing to get money so just put some of it aside for your going away day we all will have one no exceptions I hope this is understood and not taken in the wrong context we love oneanother that's what makes us unique but we leave each other on a daily basis so let's get what we need in place for when the day come to burden no love ones to the point there breaking their selves to give someone a decent resting place everyone needs to know no one can take care of your business like you can so get things in order so that burden doesn't happen because its very sad when it does trust me I know from experience had to burry 5 of 6 of my children then the 6 one passed away to I just about lost my mind the world stopped for me that very moment”
— marchell arnold
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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