With Funeral Plan costs rising above inflation and interest rates, there is no guarantee that your clients savings with a bank or building society will cover the cost of a funeral when the time comes. If your client does not have enough money to pay for a funeral, your clients family may need to make up the shortfall until the assets from the Estate are accessible. The price of funerals is increasing year on year at an alarming rate. However, with a Funeral Plan, your client can protect themselves against rising costs.

When your client purchases a Funeral Plan they choose the funeral, along with the specific funeral director at a price that is comfortable. Funeral Plans come in all different shapes and sizes. Depending on the provider your client chooses, they may opt to pay for the plan in up to 3 different ways; upfront in one lump sum payment, 12 monthly instalments or monthly payments (normally based around your client’s budget). Payments can be made until a specified time, and this can be up to the age of 85 with some providers.

Most services are included within the plans at today’s prices, relieving your clients family of worries and uncertainty at what will inevitably be a distressing time for them. Some Funeral Plans are more flexible and will allow payment upfront, as well as set aside funds for the family to make certain decisions, such as the flowers they wish to have at the funeral, or what they would like engraved on the headstone. As long as the bulk of the funeral is paid for and arranged the family will have no worries. When the time comes it’s just one phone call to the funeral director mentioned within the plan and it’s all taken care of.

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