Funeral Plans
Having a funeral plan in place can ensure that your wishes are met and spare your family the stress of organising and paying for your funeral in the days following your death.
Having a funeral plan gives you complete control over your send-off, whether you want something simple or a party-like celebration of your life. Whatever funeral arrangements you want to put in place, LawPlus Solicitors can help you.
What types of funeral plan can LawPlus Solicitors help me with?
We are committed to helping you find the right funeral plan for your needs, wishes, beliefs and budget. We can help you find:
- Cremation or burial services
- Religious and non-religious funerals
- Direct burials and cremations
- Woodland burials and other alternative funerals
What are the benefits of having a funeral plan?
There are many benefits to having a funeral plan. While the specific features you can benefit from will depend on the plan and provider you choose, you can expect to take advantage of the following:
- All providers and plans are Funeral Planning Authority approved
- Choose what happens to your body after your death
- Choose your funeral director
- Pre-pay for your service along with your burial or cremation
- Pay monthly or fully upfront options available
- Plan every detail of your funeral
- Simple funerals and direct cremations
- Religious and humanist funeral plans
- Lock in today’s funeral prices to protect against future inflation
- Easily transfer your plan should you move house
- Tracking services available if your family cannot find your funeral details when you die
What should I expect a funeral plan to cost?
It depends on the type of funeral plan you are looking for and whether you are looking for a simple funeral or something more intricate. Basic funeral plans may also mean your family is restricted to holding your funeral on specific days and times. Whether you choose to pay for your funeral plan as a lump sum or in monthly instalments will also influence the cost.
In general, you should expect to pay around £3,000 to £5,000 if you are paying for your plan in full.
What funeral costs are not covered in a funeral plan?
While your funeral plan will help you remove a significant financial burden from your family when you die, it is vital you understand what costs are not covered by your plan.
Generally, funeral plans will not cover the costs of flowers and expenses associated with your wake.
Some funeral plans will cover the cost of your burial plot, but you should check this with your provider before committing to a plan.
In choosing a provider, you should also look out for whether they guarantee your burial or cremation costs or only pay a set contribution. If the latter, your family may end up with significant expenses even if you have a funeral plan.
Do I need a funeral plan?
Having a funeral plan can help lock in your arrangements while you are still alive. This ensures your wishes are fulfilled whilst also saving your family the anguish of dealing with such matters shortly after your death.
Nonetheless, without a Lasting Power of Attorney in place, your loved ones will not be able to access your money to pay for your funeral. This could significantly increase their stress if they would struggle to source funds for it.
Funeral plans are also protected against inflation, so you can lock in the price now without worrying about how that may impact your estate later.
What happens if I die before I have paid my funeral plan in full?
It depends on the plan you have chosen and your provider.
Some providers’ funeral plans are underwritten, so if you are paying for a plan in monthly instalments and die before making the final payment, they will cover the shortfall.
Others do not provide this level of cover, so your family will be responsible for paying the shortfall when arranging your funeral.
Is my money safe in a funeral plan?
Yes. When you pay for a funeral plan, your chosen provider will put the money in a trust fund or insurance policy that pays out when you die. Both are covered by Financial Conduct Authority (FCA) regulations. The FCA is also due to take over full regulation of the funeral plans market in July 2022, which may add a further level of protection.
If you pay for some or all of your funeral plan using a credit card, you will also be covered under Section 75 of the Consumer Credit Act.
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Funeral Plan FAQs
Yes. Funeral providers put your cash in an insurance policy or trust fund that will pay out upon your death. Both are covered by the Financial Conduct Authority, which will also take over full regulation of the funeral plans market in July 2022.
If you pay for some or all of your funeral plan with a credit card, you will also have protection under the Consumer Credit Act.
Yes, in so far as that you are protected against inflation and other price rises.
As such, the earlier in your life you take out a funeral plan, the better, and the longer you live, the better value your plan will become!
You do not need a funeral plan, but it is a good idea to have one all the same.
If you do have a funeral plan, you can finalise and pay for your funeral arrangements while you are alive, lock in your arrangements at today’s prices, and save your family the stress of dealing with it while they are mourning your loss.
It depends on what you are looking for.
Contact LawPlus today to find the best funeral plan for your needs.
The specifics depend on the provider, but funeral plans typically cover all funeral costs except for flowers and those associated with your wake. If you wish to be buried, some plans will also cover the cost of your burial plot, although this differs between providers.
Yes. Having a funeral plan can save your family the stress of making arrangements themselves after your passing, as well as locking in your funeral at today’s prices, which could save your loved ones a significant amount of cash in the long run.
From a personal perspective, having a funeral plan is your opportunity to ensure you get the funeral you want.
Funeral plans enable you to pay upfront for your funeral while protecting both you and your family against future price rises.
The specifics of your funeral plan will depend on the chosen plan and provider, but they generally allow you to arrange all aspects of your funeral and minimise what your loved ones have to pay. If you choose to pay for your funeral plan in instalments, some providers will even cover your full funeral costs if you die before making your final payment.
A funeral plan is a means of allowing you to arrange your own funeral and pay for it in advance. Best of all, what you pay is fixed at today’s prices, and depending on your plan and provider your family may not have to pay any additional expenses at all when you pass away.
The cost of your funeral plan will depend on several factors, including whether you want a simple or more elaborate funeral, and whether you are looking to pay for your plan in full or in instalments.
For the simplest of funerals, you may pay as little as £1,500, with what most people would consider a “traditional” funeral typically costing between £3,000 and £5,000.
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