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Financing a Funeral Using a Funeral Plan

Having trouble financing a funeral?

Unfortunately, not everyone has the funds to organise the perfect send off. But the first thing you need to remember is that a heartfelt, dignified, and befitting funeral does not have to cost more than your family can afford.

The amount of money you spend on a funeral service should not be a reflection of how much you cared about the deceased. The most important aspect of a funeral service is pooling family and friends together to share in the grieving process, comfort each other, and say the final goodbye to their loved one. Anyone should be able to achieve this effectively, regardless of how restrictive their budget is.

Look at our UK Funeral Plans and a Great Low cost Past

That said, there are a few ways you can economise without compromising on the essential value of a final send-off, including:

  • Shop around for a basic funeral plan – It pays to call or visit multiple funeral homes to find out the cost of their basic plan, instead of assuming that the funeral home closest to you, or the one that your family has always used, is your best choice. Most funeral homes provide an immediate burial package, whereby the body stays in the funeral home only long enough for the family to secure a death certificate and burial permit.
    A typical basic plan in a funeral home may include a coffin, collection and care of the deceased, transportation to the cemetery or crematorium, and cremation or burial fees. There are no extras like limousines, hearse, embalming, body preparations, viewing ceremony, funeral procession, a coffin floral spray, or family support and guidance. But you get what is most important: a dignified send-off.
  • The UK Social Fund – If the deceased’s estate cannot cover all the funeral costs, they can get financial support from the Social Fund. This body gives can sums of up to £700 to individuals on income support.
  • Cremation – This is a major decision, especially if the deceased had not given any implicit instructions – verbally or in a will – to be buried or cremated. If a loved one had asked that they be buried, but you don’t have the funds, you and your family can decide to have a cremation because it is generally cheaper. This is a very hard option to decide on if you know that your loved one wanted to be buried.You have no legal obligation to follow the wishes of the deceased, even if they’re written in their will.
  • Home burial – If the deceased has some property, you can legally bury them there. A natural green burial can be considerably cheaper, especially since you do not need an elaborate casket. You can purchase a simple wooden casket, and ask one of the family members to conduct a short service. It will not only be more personal than a service conducted in a funeral home, but also cost you much less. It is very important to look in to this one carefully as there can be hurdles.
  • Don’t get into debt due to Funeral Cost – There are two key reasons for this: For starters, it is not very easy to access the funds, and for seconds, no one should have to get into debt to bury their departed loved one. If you’re working with a funeral home, the director usually expects to get paid up front, though you can be given the option to pay the fees within 30 days of the ceremony. If this arrangement suits you, it is a better option than borrowing.

Maybe the above seems to the be written to the survivors and loved ones of some one that has passed away to help them, and it does help. However but I believe there is much in here that someone should read in view of there own arrangements.  The part that is important is that your loved ones, those you leave behind will not be in debt from your death, its a hard subject I know but we have to face it. When you pass away someone has to cover the bills, the trouble is you have emotional feelings on what is best and what the most respectful way to arrange the funeral for you.

The best thing you can do is help your loved ones is always going to be “Buy a prepaid funeral plan” yes if you read or website and blog you get the idea we want to give you the option and the know how to provide an emotion free funeral planning – as emotion free as you can of course, it is not easy.

I believe this article helps us see what we can do for those family or love ones left behind. life with a pre-planned Funeral is better for those you leave and it stop people getting emotionally, and spending more then is needed really. I would end on one point, look at the plans on our website , and remember as stupid as it sounds to say this, YOU are a major part of the ceremony and should you get involved prior you can arrange all as you want it, and that’s some power over  those still living, to have when you have passed away.

 

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