Pre Paid Funeral Plans UK
Prepaid Funeral Plan: Here’s How To Choose The Right One For You
Death is inevitable. While you can’t stop this from taking place any time in the future, you can always plan for it. Among the most popular life plans today is the prepaid funeral plan. It’s just like saving up your money in a bank, but this is more focused on your send-off ceremony. With this, you can save your family from the hassle of organising your funeral and the financial burden that comes with it.
Prepaid funeral plans can differ from each other depending on the cost and the services included in it. For this reason, you have to get the specific one that is best suited for you and your family’s needs and financial status. It’s also important to find the right provider who can guarantee a smooth funeral service for you by keeping your money safe until the time comes.
To guide you in choosing which prepaid funeral plan to go for, below are some things you have to consider.
Budget
Most often, not everyone can pay for their funeral plan in full. That’s why when choosing a plan, consider whether you would like to make a single payment or pay by monthly instalments. In that way, you can guarantee that you won’t have any issue when your due date comes as long as you can handle the finances according to your preferred pace.
Plan inclusion
The majority of funeral plans these days guarantee to cover the funeral director’s services, but some only include a contribution towards further expenses. Hence, make sure to compare plans with their cost. This would save you from unexpected hidden prices in the future.
Level of service
Make sure to choose a funeral plan level of service that meet your requirements. Most plan providers offer three levels of service, such as the simple, standard, and superior. Each of these guarantees to cover the cost of the funeral director’s services and pay allowances for third party fees. This includes cremation, burial fees, as well as the minister and doctor’s charges.
Consider your options
Never settle for the first funeral plan that you were offered with. Make sure that you assess your options and study them carefully. Then choose which one is best suited for your needs and budget. By doing so, you can avoid stressing yourself about a limited budget or a hard-to-reach provider.
Services you need
Whether you want an extravagant send-off or just a simple funeral, you need to know exactly what you want when you sign up. Think about all the important components like coffins, how many cars you want and how many people you want to attend.
Most funeral plans provider will provide you with the important documents that you can refer to. Most often than not, they can be downloaded or viewed from their online website, so make sure to check those out.
National coverage
There might be a chance that you will move places before you die, so give extra consideration to your funeral service provider. Preferably, look for those with national coverage as it will give you more flexibility later on and save you from any problems and hassle that may arise later on due to your new location.
Security guarantee
Once you have paid for your funeral plan, it may be many years until it’s actually used. That’s why you should ensure that the money you pay for your plan is protected at all times.
Flexibility
Since it could take years before your family can actually use the plan, a lot of things can change. When buying a funeral plan, you should be aware of any fixed conditions or additional costs in case your personal circumstances change, or you change your mind about the inclusions of the plan. You need to have the flexibility to adjust your plan accordingly.
These are just some of the things you have to consider when looking for the best prepaid funeral plan for you. Keep in mind that these plans vary in prices, inclusions, and mode of payment, so always pick the one that you can pay on time without too much of a stress. You can always do your research, ask your family, or consider your preferences before you start looking for these plans. That way, you can minimise your chances of choosing the wrong funeral plan and make your future hassle-free.
