Prepaid Funeral Plans

What is a Prepaid Funeral Plan?
A Prepaid Funeral Plan is one of the best ways to ensure your funeral is taken care of and paid for in advance, as it guarantees to cover the cost of the funeral services included in the funeral plan. At the same time, it provides loved ones with all the help and support they will need at a difficult time.

If you’ve ever had to plan someone’s funeral, you’ll understand what a distressing and expensive experience this can be. Unless you sat down and discussed everything with them in advance, the chances are you might not have known exactly what sort of funeral they wanted. This, combined with having to find the money to cover funeral costs, can result in a lot of heartaches and financial pain.

Why get a Prepaid Funeral Plan?

A Prepaid Funeral Plan lets you pay for your funeral in advance and at today’s price. It is a way of taking control of the unexpected, setting out the arrangements and limiting the costs by paying for the services included in the funeral plan upfront. It’s practical, sensible and should be an essential part of your financial end of life planning.

How does a Funeral Plan work?

Funeral costs have been rising every year and are forecast to increase to £5,925 by 2024. But with a Prepaid Funeral Plan, taking care of funeral costs now could save money for you, and your loved ones in the future.
The Funeral Plan also lets you take care of the arrangements in advance. It guarantees the services of a trusted and professional Funeral Director, who will provide support and guidance for loved ones. It also guarantees that once paid for, the services in the Funeral Plan are covered when the time comes, ensuring there will be no more for loved ones to pay.

Are Funeral Plans safe to purchase?

When you take out a Prepaid Funeral Plan, you’re not just protecting your family against rising funeral costs; you’re also protecting them from the worry of making all the arrangements.

From having to choose a funeral director and deal with paperwork to organising the service and arranging transport, it’s all taken care of by the Funeral Plan. Staff will be there to help and support your family through the whole process, and if they want to add their own, personal touches, like flowers, readings and hymns at the time – they can. There may be an additional charge for any special requests that are not included in your Plan.

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The British Banking Association

“If you are the joint account holder and the other joint account holder becomes mentally incapable, you do not automatically have the right to access the account unless you have a Lasting Power of Attorney, Enduring Power of Attorney or an order from the Court of Protection.”

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