Light's Funeral Home
1428 State St, Schenectady, NY, 12304
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 New York
$3,368 – $10,595
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,368–$10,595. 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
What Families Say
“I use this funeral home in 2021 for my father funeral,Lea was amazing very helpful and the price was good and they did an amazing job with everything thank you.”
— Romeo Williams
“Mike has exceeded our expectations and gone above and beyond for my family for the second time now. Mike is responsive, caring, outgoing, and sympathetic during some of the most difficult times my family has faced. There are no recommendations or suggestions for improvement because he has consistently delivered in every aspect. We are so grateful for the services you have provided for our family. Thank you Mike.”
— Jeremy Algozzine
“Very reliable! During the most difficult time Peter and mike you guys did an outstanding job making our work less and organizing everything in a way that we love! Thank you from the jagarnauth family. Highly recommend your services!”
— Melissa Jagarnauth
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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