O'Neil Funeral Home and Heritage Crematory
1105 E 9th St, Lockport, IL, 60441
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 Illinois
$2,620 – $8,240
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,620–$8,240. 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
“Employee working Dec 22nd very nice, polite and caring about following rules during covid. Could use new kneeling bench.”
— Anita Klosinski
“I am glad that we used O'Neil funeral home for our mothers funeral. They were very patient with us and extremely compassionate. The service was very nice and our looked like she was just sleeping. Thank you Kelli and Kelly for being so supportive and comforting when you came to the house to pick her up..”
— Jeff Mielke
“O'Neil's took care of 3 of my families funerals and the compassion I received from the Staff here was remarkable every time. On such a hard day they did everything to help guide us through it. Thank you!”
— Christian steen
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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