Funeral Planning

Taking out a pre-paid funeral plan now means that you pay for your funeral at today’s prices, lifting the financial and emotional burden on your family and friends.

Not only that, but you can set out your wishes and make sure that the funeral service will be exactly as you would want it to be, saving your loved ones from having to make tough decisions at a difficult time. Instead, they will be comforted knowing that the service is as you wished it to be.

SunLife Cost of Dying Report

According to the SunLife Cost of Dying Report 2018, the latest research reveals that funeral costs have risen again since last year to an all-time high. Average funeral costs are now £4,271, more than 100% of what they cost 15 years ago and an increase of nearly 5% since last year alone. It also reveals that the overall cost of dying (the funeral itself, the send-off and professional fees for administering an estate) is also rising.

With increasing conversations about funeral wishes and funerals themselves, more and more people prefer to lock in some of the funeral costs now and make sure their family are aware of their wishes ahead of time.

Don’t forget, Trust Inheritance can help you and your loved ones, with all aspects when someone dies, not just the funeral.

Funeral Wishes

It’s not a subject we like to think about, but writing your funeral wishes lets your loved ones know what you would like, as well as what you wouldn’t like, at your funeral.

They allow you to detail things like your religious or spiritual beliefs; whether you wish to be buried or cremated; your preference as to how you would like to be dressed; if you would like flowers; and your choice of coffin, amongst other things. 

The Digital Estate Plan Portal includes a great tool which helps you make your Funeral Wishes. It will ask you a series of questions while giving you information and advice as you go along. At the end of the quiz, it will produce a Memorandum of Wishes, which can be added to your Will and kept with your other important documents so that your loved ones can access them if something were to happen to you.

5 Reason to Pre-Plan Your Funeral

  1. Your family will know your wishes

    Sadly many families experience disputes and hard feelings when arranging a loved one’s unexpected funeral. Memories of the loved one’s wishes sometimes contradict each other and disagreements can easily arise. Such infighting and disunity can drive bitter emotions and damage the healing process. By making your plans now, your loved ones will know you were remembered as you wanted to be.

  2. Urgent decisions are made now

    Did you know that often more than 150 decisions and tasks must be completed within the first 24hours to 48hours after an individual’s passing? By arranging your final wishes ahead of time, you can ensure that your loved ones don’t have to wrestle over those details and decisions during their time of emotional upheaval. Allowing proper remembrance and the first steps of healing to begin.

  3. Peace of mind

    All your arrangements are guaranteed and will be carried out just as you have directed. You and your family can feel comfortable that, although you won’t need the plans for years to come, when they are needed they will be available and taken care of. Your executors will receive full technical support to carry out the process of probate. There is an immense peace of mind in knowing your wishes will be carried out as you designed them, meaning those you care about will be able to remember you as you want them to.

  4. Rising costs addressed

    As with nearly all products and services, inflation drives the cost of funerals up yearly. Pre-planning and prepaying your final wishes generally ensures that your funeral is completely paid for – at today’s prices. While many people assume savings or life insurance will cover their final expenses, funerals must be paid for upfront, while many life insurance policies or bank accounts aren’t accessible to families until well after the funeral service. By prepaying, your family isn’t left to decide who will pay for the funeral.

  5. Prevent additional stress

    Your family will be under stress when you pass away. A personal Bereavement Support Adviser will complete the online probate on behalf of your executor; they will also give regular progress reports keeping your family fully informed throughout the whole process. You can ease at least a little bit of stress by making sure all your affairs are in order before you die.

Funeral Plans

A Pre-paid Funeral Plan is one way to plan and stay ahead of rising funeral costs. Most plans will guarantee to cover the directors costs for arranging and conducting the funeral, but may not include additional costs such as burial or cremation fees.

The sooner you lock in the price, the more money you are likely to save; it makes financial sense to purchase a plan a today’s prices*.

*Exactly how much of the costs are covered will depend on which plan and provider you choose.

Typical Plans Include:

  • Funeral directors professional service
  • Advice on registration, documentation and certification of death
  • Local removal from place of death to the funeral directors premises (within 20 miles)
  • Care of the deceased prior to the funeral
  • Standard oak wood veneer coffin
  • Attendance of four bearers on the day of the funeral
  • Provision of a hearse for the service at the crematorium / cemetery
  • Full listing of floral tribute
  • Use of Chapel of Rest (during office hours)

Typical Optional Extras:

  • Disbursements – this covers Minister, Doctor and crematorium/cemetery fees
  • Limousine for the service at crematorium/cemetery
  • Higher quality coffin
  • Bereavement counselling
  • 24-hour telephone support
  • An allowance for third-party costs

We don’t do Funeral Plans, but we have teamed up with a Trusted Partner who does.

Contact us for more information about the type of plans available to you.

It’s Your Choice

We know it can be daunting trying to work out which plan might be best for you, so we are on hand to help you decide.

Why not try our How Much Help app? It’s simple to use, and at the end of the quiz, it will give you options based on your circumstances.

Remember, we’re always on hand if you would like us to run through the questionnaire with you or to discuss your options further.

*You will be directed to the How Much Help website to complete the quiz


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