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How Does a Prepaid Funeral Work?

A prepaid funeral plan protects you against the rising costs of funerals, allowing you to pay in advance so your relatives don’t have to cover all the cost themselves. Choosing a funeral plan now will help protect your loved ones from a lot of stress and financial worry in the future.

How do funeral plans work?

It’s difficult to know when to start planning your funeral, but avoiding the conversation can leave families in financial trouble and emotional turmoil. Funeral plans help cover the cost of your funeral when you pass away. It’s a simple way of planning and paying for your funeral in advance, relieving your family from having to make as many difficult decisions about your final send off.

The real benefit of taking out a funeral plan is that you can effectively freeze the cost at today’s prices, meaning your funeral will be protected from future price increases.

From choosing your funeral director and dealing with paperwork to organising the service and transport arrangements, everything in the plan will have been taken care of when the time does eventually come. For complete peace of mind, it really is essential to be financially prepared.

Prepaid Funeral Plans from Dignity fix the cost of the funeral services included in the Plan at today’s prices, so your loved ones won’t have to pay a penny for these services after you’re gone.

What’s included in a funeral plan?

This completely depends on the plan you choose and what your wishes are. You need to consider whether you would like to opt for a cremation or burial, though all of Dignity’s Funeral Plans can be tailored to suit either.

A prepaid plan typically comprises of two main costs; the funeral director for arranging and conducting the funeral and the cremation or burial fees. From a personal perspective, taking out a funeral plan ensures your last wishes are carried out without a hitch. It allows you to make a record of your preferences for the service itself, whether this includes any special readings, music or flowers you’d like. You can add in as much or as little detail as you wish.

A Dignity Funeral Plan guarantees to cover all the funeral director services included in the Plan. It also covers the listed cremation costs and minster’s fees, or where burial is requested, a £1,200 contribution towards burial costs.

If you change your mind, or your circumstances change, there is no extra charge for changing the special wishes in your Plan at any time. However, some special requests may incur an additional charge and may not be covered by the price guarantee.

Choosing a funeral plan

When choosing a funeral plan that is right for you and your family, there are several things to consider. Firstly, think about your budget and how much you want to spend on the funeral. You need to decide if you’re going to make a lump sum payment, or whether you would prefer to pay for the plan in monthly instalments.

It’s also important to weigh up the pros and cons of each plan, carefully reading the details of each so that you fully understand what is and isn’t included. We recommend talking to friend or family member if you need help making sense of it all.

Choosing to personalise your plan will allow you to arrange a funeral that remembers your life best, helping you bid farewell in a unique and touching way. This means your family can avoid the stress of assuming what your final wishes would have been.

What is the best Funeral Plan?

Before deciding upon a prepaid funeral plan, it’s important to find out the exact details of what each plan includes and compare against the rising costs of organising a funeral after the death of a loved one.

Some plans may limit what’s included in your funeral, such as your choice of funeral director, the type of coffin or funeral transport. The best funeral plan providers don’t simply provide you with the plan, they will also offer your loved ones support at a time when they need it most. Our most popular Plan, the Pearl Funeral Plan, guarantees to cover the funeral director services, crematorium and minister/officiant fees, as outlined in the Plan.

This particular Plan provides extra comfort to family members at such a difficult time, including a limousine, quality wood effect coffin and a hearse. You can personalise this Plan with any special requests you may have.

Activating the Funeral Plan

If you choose a Dignity Prepaid Funeral Plan, your loved ones only need to make one single phone call in order to put the Plan and arrangements into motion.

Once the Plan has been activated, our caring funeral professionals will be on hand to offer you bereavement help and advice 24/7. If you need further written information, you can download our free guide, or if you would rather talk to a real person, call 0800 58 72 541 and speak to one of our helpful, friendly advisers.

Why Dignity?

Each and every one of Dignity’s network of over 1,200 owned and approved funeral directors across the UK guarantee to provide a professional and caring service to the families they serve.

As a further security, the money required for your funeral is held in an independent trust fund until needed. This helps to guarantee that however much funeral costs may rise in the future; there will be no more to pay for the services included in the Funeral Plan.

We are one of the UK’s most trusted providers of prearranged funerals and also a member of the Funeral Planning Authority, providing added security and peace of mind to you.

Compare all of our Prepaid Funeral Plans

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Funeral Plan Savings Calculator

The average cost of a funeral in 2016 was £3,937, this figure is rising by 5.79% every year. Will your savings increase enough to cover the costs?

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