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By Heather Blackmore | Last updated 15/06/2019
Over the last 10 years the cost of a basic funeral has risen even faster than houses, petrol and energy; and industry experts predict that prices will continue to rise. If you're over 50 with many years still to live there's a clear benefit to locking-in today's prices and protecting your family from soaring future costs.
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A prepaid funeral plan protects your family against the rising costs of funerals, allowing you to pay for your funeral in advance so your relatives don't have to cover all the costs themselves. Choosing a funeral plan now will help to protect your loved ones from a lot of stress and financial worry in the future.
When the time eventually comes everything in your plan will have been taken care - your choice of funeral director, the necessary paperwork, your service and transport arrangements too. As a parting gift to your family you can give them peace of mind at a time of grieving.
The choice is largely yours. You'll need to consider cremation or burial, though a good plan can be tailored to suit either. The two main costs typically covered by a funeral plan are: 1.) the funeral director for arranging and conducting the funeral. 2.) the cremation or burial fees.
From a personal perspective, a funeral plan can ensure your last wishes are carried out in just the way you would like. You can provide preferences for the service, special readings, music or flowers that would be most meaningful to you and your family. Good funeral plans cover the listed cremation costs and minister's fees, or where burial is requested, a contribution towards burial costs.
When choosing a Funeral Plan, think about your budget, how much you want to spend on the funeral, and the funeral services you would like. You will need to weigh-up the pros and cons of each Plan and understand exactly what is included; and compare against the rising costs of organising a funeral. Ensure the Plan provider is a member of one (or both) of the following accredited bodies: The Funeral Planning Authority and The National Funeral Trust.
You will need to decide if you are going to make a lump sum payment or whether you would prefer to pay for the Plan in monthly instalments. A Plan fixes the cost of the funeral services in the Plan at today’s prices, so your loved ones won’t have to pay a penny more for these services after you’re gone.
Choosing to personalise your Plan with special requests will allow you to arrange a funeral that remembers your life best, helping your loved ones bid farewell in a unique and touching way. This means your family can avoid the stress of assuming what your funeral wishes would have been.
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