Funeral Plans

When a loved one dies it’s hard to imagine life without them and it’s often one of the hardest things one has to deal with. The grieving process is difficult enough on its own, let alone having to browse catalogues for a coffin and make decisions on everything from invitations to hearses. With a Prepaid Funeral Plan, you can make things more convenient for your family. All that they need to do is make a phone call and everything will follow as you had planned for.

  • Have you ever discussed what would happen if one of you died?
  • Which song would you like to be played?
  • What would you like to be buried in?
  • What car would you like to be transported in?
  • Any special wishes?

Do your loved ones know the answer to all of these questions? If the answer’s “No” then don’t worry, you are not alone. ITV Tonight surveyed 1,000 people to find out their attitude to pre-paid funerals…

  • 78% adults have not done any research into funeral options
  • 53% adults have not communicated funeral wishes to their loved ones
  • 62% adults didn’t know how much the average funeral costs

Are there any financial benefits to a Prepaid Funeral Plan?

The price of funerals has doubled over the last decade, with the average cost at £3,600. Crematorium and burial charges have risen by 4.9% and 8.5% respectively. So, by opting for a prepaid funeral plan, you receive protection against such price hikes in the future.

One lady claimed whilst grieving she was “Not in a savvy consumer mind” and felt she was “In no fit state to challenge any costs” £300 for 2 doctors to sign the death certificate and £800 to look after her father’s body, since they made her wait for his cremation, for over a week.

With funeral debt increasing to a staggering £147 million, Funerals are one of the biggest credit card spends in the country. This is definitely not something that you would want your loved ones to go through.

Won’t the government fund my funeral?

You could get a Funeral Payment if you’re on a low income and need help to pay for a funeral. However, this depends on the current circumstances and whether you qualify.

They might pay either the cemetery fee or crematorium fee, the Doctor’s fee and help with a contribution of up to £700 only towards the Funeral Director’s fee, which is only a fraction of the total cost.

You’ll usually have to pay back any money you get from the deceased person’s estate (if they have one). The estate includes any money or property they had but not a house or personal things left to a widow, widower or surviving civil partner.

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