Preplanning our own funerals offer us peace of mind in
knowing that our relatives and friends will neither have to
organise or pay for our funerals when we die. Prepaid
funeral plans enable us to choose the funeral that we want
for ourselves in the future, whilst paying for it at today's
prices. There are a number of large companies offering
set funeral preplanning packages. Or alternatively you can
adapt one to suit our own individual needs. Generally
speaking companies guarantee that whatever the rise is in
funeral directors costs, relatives will not pay any increase.
However not all of them guarantee to cover increases in
the cost of disbursements i.e. doctors, church,
crematorium and graveyard fees. You should check with
the individual companies to find out exactly what their
preplanning packages guarantee.
Important questions to consider are :
- Do they guarantee to cover both funeral directors fees
and disbursements in the plan?
- Does the plan include burial ? If not how much more
would that be?
- Should the company or the funeral director go out of
business what would happen to the plan?
- Do the company refund the whole amount paid if you
change your mind?
- What, if anything,will relatives have to pay?
- Are all administration fees included?
- Can you choose the funeral director?
- What happens if you move home?
- Is the company a member of either the Funeral Planning
Council or the National Association of Prepaid Funeral
Plans?Some funeral directors sell their own plans but
the majority are sold by specialist companies i.e.: