Homesteaders Life Company
5700 Westown Pkwy, West Des Moines, IA, 50266
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 Iowa
$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
“Paid in FULL for this burial insurance for my Sister-in-law. When she died, it took 10 MONTHS to get the money. Here's what happened. Funeral home sent death certificate and receipts to Homesteaders. Nothing happened. Homesteaders was called and claimed they received nothing. This happened 2 more times. Forms, receipts and another death certificate was sent. Homesteaders said tgey received nothing. Finally, we, as the family called. They requested forms and another death certificate. Nothing happened. After 10 MONTHS, I called again and threatened them that I would contact the Insurance Commissioner of my state. I would like to bury my loved one! Again, they claimed they received nothing from the funeral home or us! We sent by FAX, by snail mail, all this information. After that phone call, they finally paid. Remember, this was paid in full a few years before she died. They were supposed to return the money we gave them in the first place. It shouldn't take 10 months.”
— Cami Hafner
“Wonderful service. Holly and Brittney handled a mailing challenge with complete efficiency and kindness, superb communication and follow up! Thank you both very much! Wm”
— wap65
“Had to change bank accounts, sent a voided check which they sent back due to "signature not looking like my name" . Has no ability to make payment over phone. Payments are suppose to be out on the 15th of the month and never goes through on the 15th.”
— Tanya Redding
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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