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Frequently Asked Questions

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Pre-paid Funeral Plans

 

Often there is the worry about the financial burden of the funeral

One way to deal with this is to put money aside in a savings plan, or take out an insurance policy - but how much will you need? In recent years the cost of funerals has roughly doubled every 10 years, so it can be hard to be sure that there will be enough to cover the future costs. Meanwhile those savings are vulnerable to other claims on your assets, such as having to use them to pay residential care costs - so there might be little left to actually cover your funeral costs.

For these reasons and more, increasing numbers of people are purchasing a pre-paid funeral plan. There are many options available, so you should check carefully to see what is (or is not) included and whether or not your payment is protected. Recently we have seen adverts from some funeral directors promising that with their plans “...your family will not pay a penny more”, but hiding in the small print the fact that actually they might well have to pay extra for third-party disbursements.

InHouse only ever considers a plan where the funds are kept in a separate trust, independent of any funeral director or any other firm. The funds are then ready to be released to pay for funeral arrangements when required. Although you might be living here in Leicester when you take out a plan it can be used anywhere in the country, so there is no problem if you move home in the future.

There are various options available, allowing you to choose the type of arrangement that suits you.  However it is always best to talk things over in person so that you can be guided through the different possibilities. That is why InHouse can provide a home visit to help you make the most appropriate decisions.

Pre-paid Funeral Plans

Paying for a funeral at today’s prices can save money in the long term and remove a major worry from your family. But funeral plans differ greatly - check carefully before making a purchase.

Of course, finding the money for a funeral is only part of the story - it still leaves the family to make the detailed arrangements at the time. Hence you may wish to plan some or all of the details by creating your own personalised funeral plan.

For personal advice contact  enquiries@inhousewills.co.uk

 

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