Speck Funeral Home
300 N Church St, Livingston, TN, 38570
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.
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 Tennessee
$2,246 – $7,063
Source: NFDA 2023 · Direct cremation to traditional burial
If they had life insurance, it can cover this
Funerals in this area run $2,246–$7,063. 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 mom and I went there for her final arrangements. Donna was a welcoming face. Chris listened to what my mom wanted. He even tried to save her money during the process! She was grateful that once she repeated what she wanted, he dropped it (again, he was trying to save her money!). The process had no surprises and was calming. My mom is getting exactly what she wants, and that makes me happy! 😊”
— Jennifer Audet
“I live out of town so when my father passed away last week it was quite a shock. Brittany talk me through the whole process and called my nerves. The whole speck team was wonderful. They were there for me 100% and answered all my questions and made me feel like none of my questions were too big or too small do accomplish I cannot thank them enough for all that they did for me and my family”
— Lia Gignac
“Chris and his team at Specks are very professional and caring in the difficult time. They go above and beyond to ensure that your stress is as minimal as possible.”
— William Dale
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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