Choose a Funeral Plan — Here Are Your Options

Last will and testament, under pen and a pair of glassesIf you are thinking of buying a plan to cover the cost of your funeral, there are several things you should know before making a choice to purchase.

The cost of funerals has increased dramatically in recent years. The average cost of a funeral is now £4,078. Depending on where you live, the bill could exceed £5,000. In 2004, the cost was only around £1,500 — a rise of 80% to current times. One in 10 Brits cannot afford a funeral.

That’s why more people are thinking ahead and purchasing a funeral plan in which the payment is either in a lump sum or by instalments every month.

Funerals plans don’t cover everything so make sure to read the policy and terms and conditions. Prepaid funeral packages from providers such as Golden Leaves Funeral Plans could include:

Basic Plan

Basic plans include a simple cardboard coffin, transportation to the crematorium or cemetery and direct cremation or burial. The service is not normally part of a basic plan.
This is the least expensive type of plan. Relatives will not be able to attend a wake or say their goodbyes, but they have the option of having their own memorial service at home.

Standard Plan

Standard plans include funeral director fees, chapel of rest viewing, a wood-effect coffin, transportation in a hearse, burial and interment fees, as well as church service or secular service. Standard plans with a church service usually cost more than secular ones.

Medium Plans

Medium plans include all the services of a standard plan and some extras, such as a limo, flexible funeral procession, choice of funeral date and time, as well as floral tributes. Burial plot fees might not be included.

Premium Plans

Premium plans could include more than one limousine, solid wood coffin, pallbearers, thank-you cards, a counselling service for relatives and other extras.

You don’t have to leave your family in debt. Funeral directors can assist in choosing a policy and help with all the arrangements so that you have peace of mind they won’t be left in debt after your death.