Middleton-Stroble & Zale Funeral Home
304 Shore Rd, Somers Point, NJ, 08244
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 New Jersey
$3,244 – $10,202
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,244–$10,202. 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
“In two years since my son passed and Bob was so love and kind helping me with my son's passing even giving me a free yearn for my son's ashes, what a great guy! Very nice human being I would recommend him anytime with any one of my family members including myself God bless Bob thank you for helping me with my Ryan”
— Karen Mcanney
“To say Bob Zale has been a blessing would be an understatement. That goes for his assistant, Gianna as well. Living over 700 miles away when my brother passed, not being able to leave and be there right away was very difficult. They went out of their way to help us navigate everything long distance, answering all my questions and easing all my concerns. While losing a family member is never easy, their guidance, compassion and devotion to helping us greatly eased the stress level. Bob has taken care of our family for decades and treats us as if we were his own. He is extremely patient, and genuinely kind. Words could never express how thankful we are for him and his staff.”
— Hollie Broschard
“Bob handled two funerals for my family. He was by far the most compassionate and professional of the funeral directors that I met with. He is a man of integrity that helps people at their most vulnerable time. I would recommend Middleton-Stroble, and Zale to anyone.”
— Brian Kavanagh
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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