Funeral Directors Law Exam| Question with
100% Correct Answers
Sellers Annual Report for all contracts - ✔️✔️-Total number and total face value of preneed
contracts sold since last report
-Contract amount of each preneed sold since filing of last report
-Name and address of all preneed agents
-Date of report and date of last report
-List of all contracts fulfilled, cancelled, or transferred in the last year
-Name and address of custodian of records and each provider
-Certification under oath
-Written consent to investigation
Annual Sellers Report for Trust-funded contracts - ✔️✔️-Name and address of financial institution
-Trust fund balance as reported in last year's report
-Current face value of trust
-Principle contributions since last report
-Authorization to get copies of statements
-Total expenses, excluding distributions to seller, since previous report
-Certification under oath that report is correct by trustee
Joint Account funded contracts - ✔️✔️-All funds must be deposited within 10 days of receipt
-Within 15 days of Ceritification of Performance to financial institution in writing, bank pays
seller
-Certification signed by provider, a witness, and approved purchaser
-Seller then pays provider within 10 days of receipt
-No 5% or 10% fees, as 100% must go in the account and stay in
Insurance funded contracts - ✔️✔️-Payments collected by or on behalf of seller shall be promptly
remitted to the insurer no more than 30 days from request
-If the proceeds of the life insurance policy exceed the actual cost of the goods and services
provided in a non-guaranteed contract, any excess is paid to the estate of the beneficiary, or if on
public assistance, to the State of Missouri
Trustees of Trust funded contracts - ✔️✔️-Payments on contracts from the same seller may be
comingled, but must have adequate records
-Trustee must follow the "Prudent Investor Standard"
Cancellation of Joint Account funded contracts - ✔️✔️-Bank must pay within 15 days of receipt of
notice
-Written notice to seller and financial institution
-Purchaser gets all deposited funds
-Interest distributed as provided in agreement with seller and purchaser
,Cancellation of Insurance funded contracts - ✔️✔️-Written notice to seller
-Within 15 days, notify purchaser that cancellation of preneed does not cancel insurance policy,
and that insurance cancellation must be made in writing to the insurer
Cancellation of Trust funded contracts - ✔️✔️-Written notice to seller and trustee
-Trustee distributes 100% of trust property, excluding interest and 5% Origination Fee, if it has
been withdrawn
-Trustee has 15 days to pay
-The Additional 10% Fee must be returned to purchaser. If the bank has it, the bank pays it. If the
seller has it, the seller pays it.
Cancellation by Seller - ✔️✔️-Seller has the right to cancel a trust or joint account preneed being
paid in installments if purchaser is in default of any payment over 60 days
-Must notify in writing that contract will be cancelled if payment is not received within 30 days
of postmarked date of notice
-Notice shall include amount of payments due, date payment due, and date of cancellation
-Purchaser may remit what is due within 30 days with no cancellation
Cancellation by Seller if Purchaser fails to pay - ✔️✔️If Purchaser fails to pay Seller:
-Continue as a nonguaranteed contract where purchaser will receive full credit for all payments
made toward the cost of the beneficiary's funeral service or merchandise
-Cancel the contract and give the purchaser 85% of payments made, and the rest goes to the
seller
Death Certificate requirements - ✔️✔️-If place of death is unknown, but dead body is found in-
state, file with the local registrar, or as directed by him/her
-Show place of death as place where body was found, and date of death as date on which remains
were found
-If death occurs in a moving conveyance, and body is first removed from the conveyance in this
state, the death shall be registered in this state with the place of removal being the place of death
-If death occurs in a moving conveyance outside of the US, but is first removed in this state, the
certificate shall show place of death in so far as can be determined
Who files Death Certificate - ✔️✔️-Associate physician
-Chief medical officer of the institution in which death occurred
-Physician who performed autopsy
-If caused by other than natural causes, the medical examiner or coroner shall determine cause of
death, and complete and sign medical certification within 72 hours after taking charge of the case
If cause of death cannot be determined, funeral director shall receive notice of reason for the
delay
Spontaneous Fetal Death - ✔️✔️Each spontaneous fetal death of 20 weeks, or a weight of 350
grams or more, must be reported to the local registrar within 7 days of delivery
, Transportation of Bodies - ✔️✔️1.) Must be in burial case, coffin, or casket that is securely closed,
and must be wooden, metal, or metal-lined box and securely closed
2.) Top of box must be labeled with:
-Name of deceased
-Destination
-time and place of death
-Cause of death
-Name of coroner/attending physician/ME
-Name of person who prepared body for shipment
3.) Must be able to reach destination within 24 hours of death, otherwise, must be embalmed or
shipped in a sealed metal container
Transportaion of Bodies with Infectious Diseases - ✔️✔️Bodies of persons who died of infectious
diseases cannot be shipped unless:
-Thoroughly embalmed by arterial injection with disinfecting fluid, orifices packed with cotton,
and whole body washed with disinfecting fluid
OR
-Body is completely wrapped in a sheet that is saturated with a solution of one ounce bichloride
of mercury per gallon of water, and placed in a sealed metal container
Disposition of Bodies per Anatomical Board - ✔️✔️-Educational institution that received body
must hold it for 30 days, during which time any relative or friend may claim the body upon
paying cost of interment
-Depth at which bodies must be buried is set by cities and counties
Procedures for Communicable Diseases - ✔️✔️If person dies while infected with a communicable
disease:
-Physician shall notify funeral director
-Body must be transported in closed pouch to be embalmed
-Must be buried or cremated within 24 hours, unless embalmed or encased in sealed casket
-No public services unless embalmed or placed in sealed casket
FTC Funeral Rule on Document Format - ✔️✔️The rule requires that all disclosures be clear and
conspicuous. This generally requires that the type face is no smaller than the type face of the
majority of the document.
FTC Funeral Rule on GPL Distribution - ✔️✔️The rule does not require the Funeral Director to
give out the casket price list or the outer burial container price list, but they must be shown to the
consumer.
Must include the following information:
-Title "General Price List"
-Name, address, and phone number of the funeral home
-Effective Date of GPL
100% Correct Answers
Sellers Annual Report for all contracts - ✔️✔️-Total number and total face value of preneed
contracts sold since last report
-Contract amount of each preneed sold since filing of last report
-Name and address of all preneed agents
-Date of report and date of last report
-List of all contracts fulfilled, cancelled, or transferred in the last year
-Name and address of custodian of records and each provider
-Certification under oath
-Written consent to investigation
Annual Sellers Report for Trust-funded contracts - ✔️✔️-Name and address of financial institution
-Trust fund balance as reported in last year's report
-Current face value of trust
-Principle contributions since last report
-Authorization to get copies of statements
-Total expenses, excluding distributions to seller, since previous report
-Certification under oath that report is correct by trustee
Joint Account funded contracts - ✔️✔️-All funds must be deposited within 10 days of receipt
-Within 15 days of Ceritification of Performance to financial institution in writing, bank pays
seller
-Certification signed by provider, a witness, and approved purchaser
-Seller then pays provider within 10 days of receipt
-No 5% or 10% fees, as 100% must go in the account and stay in
Insurance funded contracts - ✔️✔️-Payments collected by or on behalf of seller shall be promptly
remitted to the insurer no more than 30 days from request
-If the proceeds of the life insurance policy exceed the actual cost of the goods and services
provided in a non-guaranteed contract, any excess is paid to the estate of the beneficiary, or if on
public assistance, to the State of Missouri
Trustees of Trust funded contracts - ✔️✔️-Payments on contracts from the same seller may be
comingled, but must have adequate records
-Trustee must follow the "Prudent Investor Standard"
Cancellation of Joint Account funded contracts - ✔️✔️-Bank must pay within 15 days of receipt of
notice
-Written notice to seller and financial institution
-Purchaser gets all deposited funds
-Interest distributed as provided in agreement with seller and purchaser
,Cancellation of Insurance funded contracts - ✔️✔️-Written notice to seller
-Within 15 days, notify purchaser that cancellation of preneed does not cancel insurance policy,
and that insurance cancellation must be made in writing to the insurer
Cancellation of Trust funded contracts - ✔️✔️-Written notice to seller and trustee
-Trustee distributes 100% of trust property, excluding interest and 5% Origination Fee, if it has
been withdrawn
-Trustee has 15 days to pay
-The Additional 10% Fee must be returned to purchaser. If the bank has it, the bank pays it. If the
seller has it, the seller pays it.
Cancellation by Seller - ✔️✔️-Seller has the right to cancel a trust or joint account preneed being
paid in installments if purchaser is in default of any payment over 60 days
-Must notify in writing that contract will be cancelled if payment is not received within 30 days
of postmarked date of notice
-Notice shall include amount of payments due, date payment due, and date of cancellation
-Purchaser may remit what is due within 30 days with no cancellation
Cancellation by Seller if Purchaser fails to pay - ✔️✔️If Purchaser fails to pay Seller:
-Continue as a nonguaranteed contract where purchaser will receive full credit for all payments
made toward the cost of the beneficiary's funeral service or merchandise
-Cancel the contract and give the purchaser 85% of payments made, and the rest goes to the
seller
Death Certificate requirements - ✔️✔️-If place of death is unknown, but dead body is found in-
state, file with the local registrar, or as directed by him/her
-Show place of death as place where body was found, and date of death as date on which remains
were found
-If death occurs in a moving conveyance, and body is first removed from the conveyance in this
state, the death shall be registered in this state with the place of removal being the place of death
-If death occurs in a moving conveyance outside of the US, but is first removed in this state, the
certificate shall show place of death in so far as can be determined
Who files Death Certificate - ✔️✔️-Associate physician
-Chief medical officer of the institution in which death occurred
-Physician who performed autopsy
-If caused by other than natural causes, the medical examiner or coroner shall determine cause of
death, and complete and sign medical certification within 72 hours after taking charge of the case
If cause of death cannot be determined, funeral director shall receive notice of reason for the
delay
Spontaneous Fetal Death - ✔️✔️Each spontaneous fetal death of 20 weeks, or a weight of 350
grams or more, must be reported to the local registrar within 7 days of delivery
, Transportation of Bodies - ✔️✔️1.) Must be in burial case, coffin, or casket that is securely closed,
and must be wooden, metal, or metal-lined box and securely closed
2.) Top of box must be labeled with:
-Name of deceased
-Destination
-time and place of death
-Cause of death
-Name of coroner/attending physician/ME
-Name of person who prepared body for shipment
3.) Must be able to reach destination within 24 hours of death, otherwise, must be embalmed or
shipped in a sealed metal container
Transportaion of Bodies with Infectious Diseases - ✔️✔️Bodies of persons who died of infectious
diseases cannot be shipped unless:
-Thoroughly embalmed by arterial injection with disinfecting fluid, orifices packed with cotton,
and whole body washed with disinfecting fluid
OR
-Body is completely wrapped in a sheet that is saturated with a solution of one ounce bichloride
of mercury per gallon of water, and placed in a sealed metal container
Disposition of Bodies per Anatomical Board - ✔️✔️-Educational institution that received body
must hold it for 30 days, during which time any relative or friend may claim the body upon
paying cost of interment
-Depth at which bodies must be buried is set by cities and counties
Procedures for Communicable Diseases - ✔️✔️If person dies while infected with a communicable
disease:
-Physician shall notify funeral director
-Body must be transported in closed pouch to be embalmed
-Must be buried or cremated within 24 hours, unless embalmed or encased in sealed casket
-No public services unless embalmed or placed in sealed casket
FTC Funeral Rule on Document Format - ✔️✔️The rule requires that all disclosures be clear and
conspicuous. This generally requires that the type face is no smaller than the type face of the
majority of the document.
FTC Funeral Rule on GPL Distribution - ✔️✔️The rule does not require the Funeral Director to
give out the casket price list or the outer burial container price list, but they must be shown to the
consumer.
Must include the following information:
-Title "General Price List"
-Name, address, and phone number of the funeral home
-Effective Date of GPL
