One way to find out is by reading a new book, Profits of Death (Five Star Publications, $17.95), by Darryl J. Roberts. A veteran of the industry for 30 years, he has owned and operated funeral homes and cemeteries and is recognized as a consumer advocate in the death care industry.

While agreeing most funeral and cemetery owners and workers are conscientious and caring, he warns that some need careful watching. He wrote this book, he said, "to demystify the business of funerals and burials and to inform the consumer as to the rightful choices."

Among the points he makes:

1. The day someone close to you dies is no time to have to make important financial decisions. Prearrange and prepay for the funeral as much as possible.

2. Shop around. Don't hesitate to ask about prices. Avoid the temptation and pressure to sign a contract on the spot.

3. Explore your casket options. Third-party casket sellers may offer the best deal. The funeral home may not, by law, refuse to use customer-supplied caskets. Special sealants are unnecessary. Don't let anyone talk you into them.

4. The most economical grave markers will probably be found at local monument dealers. You don't have to buy more expensive ones from the cemetery or the funeral home.

5. The funeral home is probably the most expensive site for the service. Depending on your budget, you may also care to consider a church or temple, fraternal or veterans' organization hall.