A J Spears Funeral Home
124 Western Ave, Cambridge, MA, 02139
Questions to Ask When You Call
You're not expected to know this. These questions help you compare and avoid surprises.
“Can I see your General Price List?”
Federal law (FTC Funeral Rule) requires them to give you itemized pricing. You have every right to ask.
“Do you accept insurance assignment?”
This means they bill the insurance company directly. You don't pay thousands upfront and wait to be reimbursed.
“What's included vs. what's extra?”
Packages may not include everything. Ask about the casket, embalming, transportation, facility fees, and death certificate copies.
“Do you offer payment plans?”
Many funeral homes allow you to spread the cost over time. Ask about down payments, terms, and financing options.
Know Your Rights
The FTC Funeral Rule protects you. Every funeral home must provide an itemized General Price List if you ask — in person or over the phone. You are never required to buy a package and can choose services individually. You also have the right to use a casket purchased elsewhere.
Payment & Financial Options
Average in Massachusetts
$3,119 – $9,810
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $3,119–$9,810. If your loved one had a life insurance policy, the benefit can cover these costs — and we'll file the claim and handle the carrier for you, even without the policy number. $0 upfront, and nothing if it doesn't pay out.
Services Offered
Business Hours
What Families Say
“My Uncle lived alone in Boston when he passed. Mr Spears was able to accommodate us over the phone in such a professional manner. He kept my family and I updated with new info. We even met his mother who was very lovely.”
— K S
“I have been meaning to write a review for AJ Spears Funeral Home for the last few months, but life has been so busy that I hadn't gotten around to it til now. Well, so many things that need to be said here and anything I write will not make justice to all the love and care my deceased loved one and my family have received. Tony Spears is an amazing soul and took care of everything from start to finish, including shipping the body to its final resting place overseas. Everything was done meticulously with love instilled in every detail. I was kept informed of every detail as the days progressed and they did a beautiful, honorable job taking care of my loved one and getting him ready. The service was beautiful and I felt free to do things in a way that honored my loved one's wishes. There was so much love, care and patience from parking til the moment everyone said their last goodbyes. Very respectful, very honorable, very human, from the phone calls, e-mails and texts til we met in person and beyond. Tony, once again, please accept my utmost gratitude on behalf of my whole family. You have been an angel sent from above. You went above and beyond everything expected and for it we are forever grateful.”
— Christine Oliver
“Our family has used Spears over the years. From my grandparents, to my parents, aunts, cousins, family friends, and so may others. We have always been pleased.”
— Cornelia Moore
We can help with what comes next.
We file the life insurance claim and recover unclaimed property — the payout can help cover costs like these. $0 upfront.
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