Eternal Reefs
1126 Central Ave, Sarasota, FL, 34236
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 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.
Business Hours
What Families Say
“We laid my father to rest with Eternal Reef in the beginning of June. Everyone at Eternal Reef was terrific. They were both responsive and supportive from start to finish. The events from the week were well planned and organized. A huge thank you for creating a unique send off that helped to honor the man my father was.”
— Mariesa Scolletta-Brown
“Wonderful staff, they were kind and helpful during a difficult time. My mom’s ashes are now part of a permanent reef that will provide a home to sea life and enhance the health of our ocean. A unique and unforgettable experience.”
— ATX Wildflower
“Endings don't have to always be sad. Goodbyes don't have to be hard. These can be easy-going and sometimes even bring a smile or chuckle. And that's what we experienced at Eternal Reefs in Sarasota, FL. Margie Ploense, our guide, immediately put us at ease. She took us on a tour of their site and walked us through the process, answering our questions and addressing any concerns. I took pictures of our future resting place and my hubby joked about fish food. After signing on the dotted line, we toasted and congratulated ourselves. Another necessary task completed, and done so quite comfortably. In addition, the prices are very reasonable - we had reviewed similar plans before calling Margie. If you're looking for an environmentally, earth-friendly eternal resting place, we highly recommend Eternal Reefs. Give Margie a call and relax. Trust them to do a super job!”
— Karen & Jim
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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