Pre-Paid Funeral Plans- Sheffield
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How Do Funeral Plans Work?
All of the leading funeral plan providers have UK coverage of funeral directors. Some of the funeral plan companies own their funeral directors notably CO OP and Dignity / Age UK. If you decide to take your funeral plan with one of these companies they will try to allocate you their most local funeral director, but it is worth checking with where they will be, they do not have complete coverage of the UK and in some circumstances the funeral directors may be local.
Golden Charter will allocate you one of their Funeral Directors and Golden Leaves one of the longest serving funeral plan providers use a whole network of UK funeral directors so they will allocate you one of your local funeral directors.
Very Important is that some of the funeral directors are restricted and can only sell one particular funeral plan, such as Dignity, CO OP and Golden Charter. Funeral directors however are often happy to accept funeral plans from other funeral planning companies. In these circumstances you can save a substantial amount on your funeral plan and still have the same local funeral director to administer your funeral plan.
It is always worth checking if you would like a specific funeral director to administer your funeral plan as we have negotiated preference rates which could often save you money than if you went direct. If you do visit your local funeral director they will often sell you the funeral plan they are contracted too. We can contact them directly on your behalf to check which other funeral plans they may accept.
Why choose a funeral plan?
Reassurance for your family
Help to reduce the stress on your loved ones at an already very difficult time by having plans in place and reducing the financial burden on them.
Flexible payment options Pay monthly over a time scale that works for you or pay in full when you take out the plan, the choice is yours. There’s a range of of plans to choose from to suit your individual preferences and budget.
Plan it your way
Arrange the funeral that you want, specify the details down to which music you’d like so your loved ones know your wishes.
Protection from rising costs
Fix at today’s prices. Funeral costs have risen sharply over the past decade and are forecast to continue to rise due to an ageing population and increasing demand for funeral services.
Types of Funeral Plans
Companies typically offer 3 levels of service when it comes to funeral plans; for simplicity, we have named these the Standard, Mid-range and Premium plans as all providers have their own individual names.
These plans guarantee to cover the cost of the funeral director’s services and pay either an allowance for third party expenses, which includes cremation or burial costs* and doctor’s and minister’s fees or fully guarantee them at today’s prices so your family will have nothing more to pay,
The differences between the three pre-payment funeral plans is generally to do with the quality of the coffin and whether limousines for the family are included.
For example a simple plan will include a basic coffin and no limousines; a standard plan will include a mid-range coffin and one limousine and a superior plan will include a high quality coffin and two limousines.
Some funeral plan providers do offer a basic plan usually for around £2,100 but these do not include an allowance for third party costs.
*Burial costs are not guaranteed, as you will need to pay for the cost of the burial plot separately, although an allowance will be made for other burial expenses
Flexible Payment options
These days funeral plans come with a range of payment options making them more affordable to a much wider audience:
Single payment in full
Payable by credit/debit card or cheque, the price depends on the provider and the level of service you require; typically ranging from £3,125 to over £4,200.
All providers have a free cancelation period where you can cancel the plan if you change your mind and receive a full refund. This varies by company but is usually between 14 and 30 days.
Pay within 12 months
Most plan providers give you the option to pay over 12 monthly instalments without incurring any additional fees.
Some also allow you to pay a deposit, then clear the balance with one single payment, as long as it is within the 12 months; helpful if you are waiting for access to funds.
Spreading your costs can make purchasing a plan more affordable – choose from a number of options ranging from 2 to 30 years.
You will incur additional fees in instalments for longer period than 12 months but these will be made clear to you at the outset.
Fixed Monthly Payment Plan options
Monthly premiums are based on age and level of service and are payable for life or until your 90th birthday. You are covered for your services after 2 years.
Taking out a pre-paid funeral plan can make life easier for you and your loved ones and we appreciate this can be a sensitive decision to make.
We can guide you through the process with a clear and comprehensive plan, through our partnership with leading Funeral plan providers. It can be a comfort to know that the plans fix our price at the time you take out the plan.
Taking out a plan allows you to lessen the financial burden on loved ones and ensures that they know what you want.
Each plan can be individually tailored to suit each person’s requirement.
Peace of mind also comes from knowing that your chosen Funeral Plans provider is an established company and is a leading provider of funeral plans to independent funeral directors Nationwide.