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What is a funeral plan?

Due to the rising costs of funerals, many people worry over whether they’ll leave enough money behind to pay for everything. A funeral plan allows you to pay for your future plans, ensuring that your loved ones aren’t faced with any unexpected costs.

At the same time, a prepaid funeral plan provides your family and friends with all the help and support they need during a distressing time. You can make all the decisions in advance, meaning they won’t be bombarded with questions or a potentially confusing list of options.

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How do funeral plans work?

When arranging your plan, you can opt to pay for it in one single lump sum or spread the cost over a set number of instalments, depending on what the most convenient option for you is.

The money you pay is either invested into a trust fund or into an insurance policy, which is then used to pay for the funeral whenever it happens. The idea of a prepaid plan is to protect your money to make certain that it will pay for the funeral you have decided upon.

how does a funeral plan work?

Will it save you money?

According to the International Longevity Centre, the average cost of a funeral in 2017 is £3,693, but this is set to rise to £5,226 by 2020. Arranging a prepaid plan means that you can protect yourself and your loved ones from these rising funeral costs.

In addition, there are certain guarantees that come with this type of funeral insurance, such as knowing that once you've paid for it all the services under the plan will be covered.

Your plan will also mean that there will be no extra charges for these services, even if the costs have increased in the interim, which protects your family and friends against unforeseen fees.

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will it save you money?

What does it cover?

Each funeral provider will offer different levels of cover, so you need to make sure you’re choosing the right one. There will be exceptions to each plan, meaning it’s important that you know what you’re paying for.

  • Funeral Director costs
  • Viewings of the deceased
  • Church service
  • Coffin
  • Flowers
  • Catering
  • Headstone
  • Crematorium costs
  • Doctors’ or clergy fees
  • Car procession (included in some plans)

It’s important that you look into what the proposed plans cover you for, so you can make proper comparisons

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what does it cover?

What you should consider when taking out a funeral plan

A prepaid funeral plan is a major investment, so you need to ensure you have all the information you need before you decide to buy.

Here are some key considerations when selecting the funeral plan that is right for you:

  • What is covered by the plan and what is excluded?
  • Can you amend the plan if your circumstances change? For example, if you set the plan up with your spouse, but later separate, can you make changes?
  • Does the plan allow you to choose the funeral director?
  • If you choose to pay by installments, how many months/years will this arrangement last?

Facts to consider

A funeral plan provides peace of mind

There are many benefits attached to putting a prepaid funeral plan in place, for both you and your loved ones.

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You can plan ahead

A prepaid plan allows you to make decisions about the kind of funeral you want, meaning everything is in place when the time comes.

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Your wishes will be met

You can make it clear what type of funeral you want and rest assured your decisions will be honoured.

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Protect against rising costs

Investing in this type of policy means you can beat rising funeral costs, saving your loved ones financial distress in the future.

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The cost can be spread

If you can’t afford to pay upfront for your plan, you can stagger the cost to make sure it’s affordable.

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