Pre-Paid Funeral Plans

Pre-paid Funeral Plans

Funeral Plans

There are many products on the market that offer to provide a pre paid funeral service. These products are not always providing the same level of service.

We use two trusted pre-paid funeral plan providers:

Ecclesiastical Funeral Plans

Golden Charter

Before signing anything, check:

  • Where will your money be invested?
  • How much will it grow?
  • How much will the funeral home receive at the time of the funeral?
  • What is included in the cost?
  • Will there be any costs to pay at the time of death?

We are more than happy to go through all of these factors and try to provide you with the product that will suit your needs.

  • Most modern plans work on the principle that the Funeral Directors direct costs must be guaranteed at the time of purchase, no matter how long before those services are needed.  Once your plan is in place, as long as the original firm carries out your funeral and your requirements don’t change, these services will be covered.
  • You can also make a contribution to the disbursements, for example, the Crematorium, Priest, flowers and press notices, which are outside of the Funeral Director’s control.
  • If these disbursements are not covered by the plan’s value at the time of need, the difference will need to be paid (this is particularly relevant for Cemeteries and privately owned Crematoriums).
  • In some plans only the management fee is taken by the plan provider. All of the other funds are invested, ring fenced and protected. This investment should grow and ALL of the funds will be passed to the funeral home at the time of need.

Not all plans operate in this way. Some providers take a bigger share of the funds, leaving in some cases, less money for the funeral than was originally invested. Please contact us to discuss this further.

Pre arranging your funeral is always an option. It is about letting your family know your wishes; these can even be recorded at your chosen funeral home or placed with a solicitor until the information is needed.

Organising a loved one’s funeral is not easy but if their wishes are written down in front of you it certainly makes the process easier. Rather than worrying about what that person would want you can make sure that their wishes are carried out.

Contact us to discuss your requirements and questions further.

Terms and conditions apply to funeral plans – please ask for details