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PRE PAID FUNERAL PLANS
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Comparing Features ~ Prepaid Funeral Plans
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WHAT ARE PRE PAID FUNERAL PLANS - Article
What are Pre Paid Funeral Plans ?
Pre-paid Funeral plans are specialist policies which enable individuals to plan and thus pay for their funeral in advance of their death.
By purchasing a Pre-paid Funeral Plan much of the decision making and organising which is often left to their next of kin at this incredibly difficult time is removed. The plans also known as Funeral Bonds, prepaid Funerals, prepaid funeral, prepay funeral, prepaid funeral plans, funeral home bond, Pre-arranged Funeral Plans allow individuals to take control over their own funeral & even personalise the occasion.
Many companies who supply these plans will be able to offer a variety of packages to choose from. See Which Comparison
What are the Key Features to consider on a typical Prepaid Funeral plan:
- Usually 3 types of schemes based on cost - Simple, Traditional & Exclusive
- Simple plans typically priced from £2,200. Traditional from £2,500. Exclusive from £3,000
- Can be paid for upfront by Lump Sum or via monthly Installments 1-5 years
- Index linked benefits to help ensure relevant funeral costs are covered whenever needed
- Plan benefits held in separate secure trust by a board of trustees
- Can be purchased for a relative or by a 3rd party
- Full choice of your own Funeral directors, professional services all paid for
- Advice on registration, documentation and certification for the funeral
- Removal from place of death to Funeral directors premises
- Care of deceased prior to Funeral & Type of Coffin specified
- Use of Chapel of rest for visiting
- Attendance of conductor and bearers on day of the Funeral
- Provision of Hearse & Limousine for service at local Church or Crematorium
- Full listing of floral tributes & Thank you cards
- Cancellation fees & Options to change arrangements
- Bereavement counselling (where available)
- A tree planted in memoriam in a Forest
- Fees for Local Church, Place of Worship, Ministers, Doctors & Crematorium
Looking for a Pre Paid Funeral Plan - because costs have risen sharply ££
As we all must pass on at some time in the future, note Funeral & Burial costs have actually risen sharply in the last few years and by as much as 40% in some parts of the UK. It is impossible to therefore predict what these costs might be in 5 or 10 years time.
Around 60% or more of the UK public have also not made a will or their will is out of date and invalid - thus ensuring their final wishes are never successfully met. Programmes such as the BBC's Heir Hunters show what can happen when a will is not made & maybe some unlikely beneficiaries.
Compare Prepaid Funeral Plan or Over 50's Life Cover ?
- Concerned to ensure your loved ones do not have to pay your Funeral costs ?
- Made Wills but not really thought about the practicality of Funeral Provision ?
- Have Medical problems - meaning Life Insurance would be difficult to obtain ?
- Concerned that if you have 50's lifecover it still maybe insufficient to cover increasing funeral prices ?
- Unaware that many over 50's Lifecover plans have 1 or initial 2 year exclusion periods ?
- Also unaware that many over 50's Lifecover plans limit their levels of cover based on age
- Many over 50's Lifecover plans will not allow you to pay more than £50pm premiums
- Have some term lifecover plans but concerned they are ending in the near future ?
- Have savings but worried that they maybe insufficient or erroded by inflation
- Want to ensure that funeral costs are prepaid for an elderly relative who may not have the funds to do so
For some a Funeral plan could be the ideal thoughtful & responsible approach rather than lifecover to a sensitive subject.
Note that we can help give broad advice & guidance for the sale of these Prepaid Funeral Plans. Broker help
FUNERAL PLANNING AUTHORITY
The Funeral Planning Authority was set up to help protect consumers across the funeral planning sector www.funeralplanningauthority.co.uk
Currently there are over 20+ Funeral plans from providers registered by the Funeral Planning Authority. Their costs will usually vary - burial and cremation tend to be more expensive in the south of England. The difference in costs of simple and traditional plans partly reflects the types of coffin offered. Age Concern, Dignity & The Co-operative have a network of funeral directors to choose from; while Golden Charter and Golden Leaves let you choose your own - which maybe more to your preference.
All Funeral Plan Providers offer: a hearse; care of body; guidance on registration and certification of death; arrangement and supervision of the funeral by the funeral director; and confidential advice. Providers will usually pay full refunds within 28 days (The Co-operative allows 30 days).
A "Registered Provider" is a person or a business entity that provides funeral plans and is regulated by the Authority. Registered Providers regulated by the FPA maintain high standards of professional conduct; The money paid by customers to Registered Providers for a funeral is safeguarded so that, when the time comes, the funeral is provided in accordance with that plan; Registered Providers state they shall co-operate in the delivery of the FPA's Pledge to Customers.
The following Providers of Pre-Paid funeral plans are Registered by the Funeral Planning Authority:-
Advance Planning Limited
4 King Edwards Court
King Edwards Square
Sutton Coldfield
B73 6AP |
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www.ageconcern.org.uk/AgeConcern/funeral_plans.asp
Advance Planning Limited offers Age Concern Funeral Plans to its customers.
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BFD Prepaid Funeral Plan
Southville Lodge,
Southville Road,
Bristol
BS3 1DJ |
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www.bristolfuneraldirectors.co.uk
Bristol Funeral Directors Limited offers the BFD Prepaid Funeral Plan to customers in Bristol and surrounding areas ,through family owned independent funeral directors. Plans can be arranged to suit individual requirements and funds are held in a Trust, the Trustees of which are a major firm of Bristol solicitors.
Chelmsford Star Cooperative Society Limited
86 Broomfield Road
Chelmsford
Essex
CM1 1SS |
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www.chelmsfordstar.co.uk
Chelmsford Star Cooperative Society Ltd offers the Chelmsford Star Cooperative Society Funeral Plan to its customers.
Clydebank Co-operative Society Limited
11 Hume Street,
Clydebank,
G81 1XL |
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www.clydebankfuneral.co.uk
Clydebank Co-operative is an independent regional retail Society offering the Co-operative Funeral Bond throughout the Clydebank and Greater Glasgow areas and is a member of the National Association of the Funeral Directors, the Funeral Planning Authority and the Co-operative Funeral Service Association. All services are provided on a 24 hour basis.
Dignity Pre Arrangement Limited
4 King Edwards Court
King Edwards Square
Sutton Coldfield
B73 6AP |
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www.dignityfuneralplans.co.uk
Dignity Pre Arrangement Limited is a national funeral plan provider and offers the Dignity, Royal London, Age Concern funeral plans, as well as the Funeral Assistance Plan and the Guaranteed Funeral Plan, to its customers throughout the UK.
Family Funerals Trust Limited
Ludlow House
Ludlow Road
Feltham
Middlesex
TW13 7JF |
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www.lodgebros.co.uk
Family Funerals Trust Limited offers Pre-payment and Pre-arrangement Funeral Plans to its customers.
Funeral Planning Services Ltd was established in 1995 and provides a range of pre-payment plans for clients of any age and state of health, in conjunction with independent funeral directors throughout the UK. Funeral payments are held in Funeral Planning Trust, with Capita Trust Company Ltd as Custodian Trustee.
More than 160,000 people in Great Britain have planned their funerals with Golden Charter an Independent Company which is owned by approximately 700 Funeral Directors who are members of the SAIFCharter Association. Golden Charter provides a truly nationwide service.
Golden Leaves has been at the forefront of Pre-paid Funeral Planning since 1984 when plans first became available in the UK. Golden Leaves is available throughout the UK. Funeral plans (outside the regulation of the FPA) are also available in Spain, Portugal & Cyprus, provided locally by reputable Funeral Directors , IFA's and authorised representatives
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Heart of England Co-operative Society Ltd
22 Abbey Street
Nuneaton
CV11 5BU |
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www.21stcenturyco-op.co.uk
Heart of England Co-operative Society Limited offers the Heart of England Cooperative Society Pre-paid Funeral Plan to its customers.
Midlands Cooperative Society Limited
Central House
Hermes Road
Lichfield
Staffs
WS13 6RH |
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www.undertakers.uk.com
Midlands Cooperative Society Limited offers the Midlands Cooperative Funeral Bond to its customers.
NAFD Services Limited
Beaufort House,
Brunswick Road,
Gloucester,
GL1 1JZ |
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www.nafd.org.uk/funerals
Perfect Choice Funeral Plans are provided throughout the UK by funeral directors who are members of the National Association of Funeral Directors (NAFD). NAFD is an independent organisation that strives for the very highest standards in funeral service. Please contact us for more information.
Reynolds Funeral Service
27-31 High Street
Bognor Regis
PO21 1RR |
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www.reynoldsfuneralservices.co.uk
Reynolds Funeral Service does not offer new funeral plans but remains registered in respect of existing plans
The Co-operative Funeralcare
Funeral Plan Service Centre
2nd Floor, Hanover Building
Hanover Street
Manchester
M60 0AD
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www.co-operativefuneralcare.co.uk
The Co-operative Funeralcare, as the UK's leading Funeral Director, offers the Co-operative Funeralcare Funeral Plan to customers throughout the UK which is available to purchase through different channels, including their own nationwide funeral home network, Co-operative Insurance Services Agents, regional building societies as well as directly, by telephone, post or by email.
Note that we can help give broad advice & guidance for the sale of these Prepaid Funeral Plans. Broker help | 
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