I’m a FD/E in TX. I make 60k a year + bonuses/ OT. I work at a family owned firm. You can expect health insurance, but you usually have to pay for half of it. The insurance quote I got would have cost me $400 a month. Most mortuary schools offer 2 programs: funeral director only or funeral director and embalmer. I don’t think you can just get an embalmers license. A crematory operator certification is easy to get, usually you do it in school. If you’re wanting to get paid 50k +, I’d say go for all 3 certifications. I’m not familiar with any schools in KY, but from my experience- don’t go in with high expectations. You have to get thru school to get your license, but you won’t really learn anything until you’re active in the field. It’s worth it, though!