Things to note
This can often result in financial problems for those you leave behind, especially where you haven’t left a valid Will.
Many families find it difficult to pay the legal costs that have resulted from your death or the costs of the funeral itself, particularly in the case of sudden death.
By having a pre-paid plan in place, we can help eliminate problems such as:
- Your bank accounts being frozen
- No access to your funds
- Bank charges being incurred or payments being missed
- No means to pay for Funeral Directors fees
- Family members finding funding
- Loved ones anxiety and stress
- Family disputes
A carefully selected funeral plan, should guarantee to pay funeral director's fees and services, whenever required and regardless of the amount. These plans are not to be confused with life assurance plans that simply pay a set amount on death regardless of the actual funeral costs.
The funeral plans we recommend are among the most cost-efficient plans in the UK and they can be paid for in full or the costs can be spread over periods of 12, 24, 36, 60 or 120 months.
We understand that this feels like a difficult conversation to have, however, your family will appreciate the fact that you care enough to protect them from unnecessary trauma.
Discuss your funeral wishes with your family and have this recorded in writing. This simple act can remove some of the stress and anxiety associated with your eventual death.
Talk about your preferences for:
- Funeral Type. Burial or Cremation, Traditional or Natural
- Ceremony Type. Minister, Humanist or Celebrant
- Music. Meaningful Hymns or Songs
- Collections/Donations. Chosen Charities
- Ashes from Cremation. Scattered or Interred
- Your preferred clothing. Uniform/Suit/Dress/Shroud
- Dress Code for Mourners. Black/Bright/Uniforms/Themed
- The Wake. Venue, Catering, Music
1 More than one in ten people die when aged between 45 - 64 years.
Based on figures for the week ending 23 December 2016. Source: Office for National Statistics licensed under the Open Government Licence.
2 Providing a funeral, on average, doubles every ten years, so it is now about £4,000, compared to about £1,000 ten years ago?
If these costs continue a funeral that costs £4,000 today will cost £16,000 in 20 years’ time or even £64,000 if you live for another 40 years.
Savings plans or investments cannot keep up.
3 Fewer than 1% of people arranging funerals last year were aware of any funeral preferences of the deceased and only 41% of them knew if the deceased preferred a cremation or burial.
(Telegraph May 2016)
Important Note: While prepaid funeral plans aren't currently regulated, the Government is planning to legislate to bring funeral plans within the remit of the Financial Conduct Authority.
Until then, you can be rest assured that we are registered with the Funeral Planning Authority which provides non-compulsory regulation to adhere to certain rules and a code of practice.