Carter-Smart Funeral Directors
1316 W Oak Ave, Duncan, OK, 73533
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 Oklahoma
$2,121 – $6,671
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,121–$6,671. 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
“We lost our son 30 years ago. They were a blessing. They were compassionate and led us through the most difficult time of our lives. Our families have entrusted Carter-Smart to take care of our loved ones since then. Including both our mothers. My husband’s in 2006 and mine this year. You couldn’t ask for a better place for your loved one.”
— Jamie Casteel
“I am a funeral director/embalmer here in oklahoma myself.i met the owners when they had a death in their famiy.Before we knew we were all in this business they were so kind and genuinely compassionate.GREAT people, they are the real deal.”
— Doug Rutledge
“I just want to thank everyone that was involved in my dad’s service everyone knows him by Bill Brown Carter smart done amazing job thank you so much Ace Anderson”
— Ace Anderson
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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