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The cost of planning a funeral has risen significantly in the last decade.
That’s why more and more people are considering paying for their own funeral in advance, using a pre-paid funeral plan.
Find out more about how they work.
A pre-paid funeral plan can be added to an existing, or new, life insurance policy, in many cases. Or it can be sought as a stand-alone product.
In exchange for affordable monthly premiums, your family will gain access to a cash lump sum. This can cover the costs of your burial/cremation, when the time inevitably comes.
As well as the money, you can also use the plan to outline your wishes for the ceremony. At a very difficult time for your loved ones, seeing your list of hymns/songs and arrangements can give them comfort and reduce some of the stress involved in giving you a dignified ‘send-off’.
You may have some very specific wishes for your own funeral. However, some areas you may want to think about planning for, for when your own time comes, may include;
For more on arrangement options for your own funeral, take look at our Funeral Planning FAQ's.
Neil took out a funeral plan 10 years ago, after his wife died and he had to plan her funeral. At the time, Neil had no backup savings to pay for it with. Eileen’s funeral in 2007 cost over £2,000.
Neil didn’t want to place the same financial burden on his children, so took out a £20 a month plan to cover himself for £4,600, when the time eventually comes for his own funeral. The average cost of a funeral has doubled in the last decade, so this pay-out should be enough to see all of his final wishes granted.
If you would like to find out more about pre-paid funeral plans, get in touch with an expert funeral plan advisor now. They can offer you free advice and a no-obligation quote.
I was sceptical about the service but having used it the various plans were explained in detail and the decision to buy was mine. Good result.
Bob Thornton, Cardiff
* Prepaid Funeral Plans from 75p per day is an illustrative figure only and may not be available to you. The figure is based off of the Value Plan provided by Golden Charter. Figure accurate as of 03/08/2017.
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