Funeral Plans

Funeral Plans

Funeral plans protect against ever-increasing funeral costs, and remove uncertainty about your funeral arrangements. A basic funeral now costs nearly £4,100, and with other costs will come to over £6,000 in total. By purchasing a funeral plan now, you will fix most of those expenses at today's prices and save your family the trouble of planning and paying for the funeral at the time when they are at their lowest.


This is important. When someone passes on, it is always an overwhelming and emotional time for those left behind, and clear instructions saying how you want to be organised will help them enormously and avoid arguments about “what you would have wanted”.


According to the Sun Life Cost of Dying Report 2017, average basic funeral costs have risen by over 212% since 2004. Sun Life also estimates that by 2022 the average funeral will cost more than £4,900. Moreover, with the cost of additional services – flowers, extra limousines, death notices etc. – the final cost could come to nearly £9,000. Bearing in mind that most people want their funeral to be "as cheap as possible", paying for a funeral will be an unwelcome expense for the family at a time when it is least needed, and with historically low interest rates, budgeting for a funeral by traditional means such as regular saving, or starting an insurance plan, may not be enough to cover all of the expenses involved.


Money paid into a funeral plan will be invested into a trust fund which cannot be used by the funeral plan provider. It will be looked after by Trustees responsible for the proper administration of the fund and the payment of your funeral costs when needed. When that time comes, your family will just need to contact the provider and the funeral director will carry out the funeral in accordance with your instructions.


If you want to talk to us about your prepaid plans, please do not hesitate to contact us.

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