Stetzer-Bales Funeral Home
146 E Main St, Morristown, TN, 37814
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 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
“Steve was amazing, he help us so much. When my mother passed it they answered every question and was never pushy nor did they hurry us in and out. Great, warm and mellow place.”
— Kathy Ward
“Very Respectable Staff.. Mr. Bale was Amazing to work with when and while our family was in deep morn and shock. He done a wonderful job with mother... Thank u so much. This is where i want to be in charge of my arrangements as well my step dad has already done his pre-arrangements.Again thanks for everything The sallie maness family”
— Susan Maness
“The morning my Moma passed I firmly believe God himself sent Steve Bales and his staff. I feel he was a angel God sent to me and my family. I can’t say enough good about Setzer-Bales. The staff and Mr. Bales himself.treated us with the upmost respect and kindness and just the whole overall experience I cannot say enough good about them. And we will never forget that. The job they did on my moma was absolutely hands down the best I’ve ever seen. If you are looking for the same thing for one of ur family members don’t need to look any farther then Setzer - Bales. I have never been treated so well at the worst times of our family’s lives. God bless Mr.Bales and the whole staff I very highly recommend them and would like to express a big huge thank you for all their help in our time of need. 🙏🏼😇♥️”
— Robin Cline-Harper
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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