Heaton Bowman Smith Sidenfaden
3609 Frederick Ave A, St Joseph, MO, 64506
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 Missouri
$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.
Business Hours
What Families Say
“I couldn’t have picked a better place or people to handle our arrangements. They were so caring, compassionate, and professional. Really went above and beyond. Thank you for all you do! Would highly recommend them.”
— Jim Dunn
“We can’t say enough good things about our experience with Matt Wisdom, our funeral director. From start to finish, Matt handled everything with the utmost professionalism, care, and attention to detail. He guided us through a very difficult time with compassion and grace, making sure every aspect of the service was exactly how we wanted it. Matt was incredibly patient and accommodating, answering all of our questions thoroughly and giving us the time and space we needed to make decisions. His calm demeanor and thoughtful approach made a world of difference, and we are so grateful for the support he provided throughout the entire process. Thank you, Matt, for your outstanding service and for going above and beyond for us.”
— Rob Salanski
“My son tragically and very unexpectedly passed away on June 18, 2025. We entrusted our faith in this funeral home. They severely disappointed me. I spent 6 very painful and tearful hours going through 33 years ,204 days worth of pictures of his life for the video presentation at his visitation. I finally narrowed it down to 47 pictures. They only used 21 of my pictures. We had a visitation on the Sunday evening after his death and graveside services the next morning. Using less than half of my pictures of his life hurt. But what I think was completely disrespectful and very insensitive was that they called me in less than 3 days after his burial asking for payment.”
— Dave Weber
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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