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What is a funeral plan?

A couple sitting down at home choosing a funeral plan online

The cost of a funeral is projected to rise in the future, meaning that when you do pass away, your family could be left with a significant bill to pay. With statistics from the Money Charity showing that nearly 10 million households have no cash savings to rely on in an emergency, it’s no wonder that people are beginning to plan ahead for their own funeral arrangements.

What is a funeral plan?

A pre-paid funeral plan is a simple way to secure the cost of your funeral at today’s prices by paying for it in advance. You can pay for a funeral plan either in one lump sum or in regular instalments over a set period, usually of 12 to 20 months, depending on the provider.

You will be able to arrange the details of your funeral in advance, so that your loved ones won’t have to worry about the administrative and financial aspects of the funeral and can feel confident that they are meeting your wishes.

For example, most pre-paid funeral plans will allow you to take care of the following arrangements in advance:

  • Funeral director fees
  • What you want to happen at your funeral
  • What type of coffin you want
  • Transport arrangements (hearse, horse-drawn carriage, motorbike etc.)
  • Burial/cremation options

After you pass away your funeral will already be paid for and all the major decisions will have been made. This means your family will have one less thing to worry about as they begin to cope with their loss.

When comparing funeral plans, bear in mind that the cost will depend on the specific options you choose. Your plan provider will be able to run through all of the costs with you if you have any questions.

Find out more about why funeral plans are a good idea, or get a free, no-obligation quote to see how you can save money and plan ahead.

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