Ratterman & Sons Funeral and Cremation Care
3800 Bardstown Rd, Louisville, KY, 40218
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 Kentucky
$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
“During one of the hardest times our family has ever faced, this funeral home treated us with genuine compassion and respect. They handled every detail with care, patience, and professionalism, which allowed us to focus on honoring my brother rather than worrying about logistics. The staff was kind, attentive, and never rushed us. They explained everything clearly and were always available to answer questions, no matter how small. The service itself was beautiful and dignified, and we’re deeply grateful for the way they helped us say goodbye. I would highly recommend them to anyone who needs support and guidance during such a difficult moment.”
— Traci Mccloud
“Extremely pleased with Ratterman’s staff. They were very professional as well as helpful and extremely caring in guiding us through my dad’s funeral visitation and services. The funeral home is very bright and accepting, which is very helpful when experiencing grief if a loved one. The staff was readily available to assist with any and all of our needs at any time. They have even followed up with me more than once and have provided resources for guidance, if needed, in dealing with our grief. Could not have been more pleased and satisfied with this funeral home, their staff and their services.”
— Cynthia Newsom
“We had the best experience with Ratterman’s. My sister passed away and they made everything so smooth. They were very attentive to our needs and wants. Hard to put into words but they were beyond our expectations. Alex made my sisters celebration of life very special. We are so appreciative.”
— Robin Snook
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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