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funeral-pricing-decoder

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Decode a funeral home price list while grieving — the package maths versus the itemised list, the non-declinable basic fee, the upsells that arrive as care, and the direct-cremation benchmark that anchors every other number. Use when asked to compare funeral quotes, is this funeral price fair, what can we decline, or help me read this price list. Produces a line-by-line decode, the decline-safely list, package-versus-itemised maths, questions for the director, and a comparison across homes. Consumer information, not legal advice; disclosure rules are strongest in the US (FTC Funeral Rule).

plugins/pm-decoders/skills/funeral-pricing-decoder/SKILL.md

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Nov 9, 2026

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Nov 9, 2026
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MIT

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# Funeral Pricing Decoder

Funeral pricing is the only major purchase routinely made inside seventy-two hours, by someone in grief, from a seller who is also a comforter — and the price list reflects that. Packages bundle the declinable with the mandatory; the casket room is arranged around the middle-priced model; and phrases like *protective* and *what most families choose* do work that would be illegal in most other retail. This decodes the list line by line: what the law (where it applies) says must be itemised, what can be declined, what the direct-cremation figure reveals about every other number on the page — so the decision can be made with love *and* arithmetic, which are not opposites.

## What This Skill Produces

- **A line-by-line decode** — every item on the price list classified: mandatory fee, required-if-chosen, freely declinable, or third-party pass-through
- **The decline-safely list** — what can be refused without disrespect: embalming in many circumstances, the package's bundled extras, the home's own casket
- **Package vs itemised maths** — the package unbundled and re-priced from the itemised list, with the difference shown
- **The benchmark anchor** — the home's direct-cremation and immediate-burial figures, which price the *service minimum* and expose the margin on everything above
- **Questions for the director** — phrased for a conversation that stays warm while the numbers get answered
- **A comparison table** — the same funeral specified across multiple homes, like-for-like

## Required Inputs
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