It’s difficult to know when to start planning your funeral, but avoiding the conversation can leave families in financial trouble and emotional turmoil. This guide explains how prepaid funeral plans work and how they will protect loved ones when the time comes.
What is a prepaid funeral plan?
A prepaid funeral plan protects you against the rising costs of funerals, allowing you to pay for your funeral in advance so your relatives don’t have to cover all the costs themselves. Choosing a funeral plan now will help protect your loved ones from a lot of stress and financial worry in the future.
The real benefit of taking out a funeral plan is that you can effectively freeze the cost at today’s prices, meaning your funeral will be protected from future price increases.
From choosing your funeral director and dealing with paperwork, to organising the service and transport arrangements, everything in the plan will have been taken care of when the time does eventually come. For complete peace of mind, it really is essential to be financially prepared.
What's included in a funeral plan?
This completely depends on the plan you choose and what your wishes are. You will need to consider whether you would like to opt for a cremation or burial, though all of our Funeral Plans can be tailored to suit either.
A prepaid plan typically comprises of two main costs; the funeral director for arranging and conducting the funeral and the cremation or burial fees. From a personal perspective, taking out a funeral plan ensures your last wishes are carried out without a hitch.
It allows you to make a record of your preferences for the service itself, whether this includes any special readings, music or flowers you’d like. You can add in as much or as little detail as you wish.
A funeral plan guarantees to cover all the funeral director services included in the Plan. It also covers the listed cremation costs and minister’s fees, or where burial is requested, a £1,220 contribution towards burial costs.
If you change your mind, or your circumstances change, there is no extra charge for changing the special wishes in your Plan at any time. However, some special requests may incur an additional charge and may not be covered by the price guarantee.
Choose your payment option
With our Funeral Plans you can choose to pay in one lump sum or if you prefer you can choose to pay by monthly instalments at a length of time that suits you to fit your budget.
Activating a Funeral Plan
When the time comes only one call is needed in order to put the Plan arrangements into motion. Once it has been activated, our caring funeral professionals will be on hand to offer your loved ones 24/7 support and advice before, during and after the funeral, offering you a bereavement and counselling service whenever it is needed.