When we did this, we made the check out to an insurance company, not the funeral home. I suspect you may have done so as well, in which case you could contact the insurance comapny and see if they will let you apply it to another funeral home.
The insurance company might not object to returning your money (without interest) since it will then have been an interest-free loan to them.
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I'd rather be governed by the first one hundred names in the telephone book than the Harvard faculty - William F. Buckley
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