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Funeral Plans

Reduce The Worry For Your Loved Ones​

Prepaid Funeral Plans

A funeral plan allows you to cover your funeral director’s costs and make a contribution to third party costs, reducing the worry for loved ones at the time of need.

Another reason that people choose to take out a funeral plan is to make arrangements in advance for their funeral. Usually this is not to plan elaborate details but to ensure their loved ones are not burdened by an ever-growing list of choices. For example, even setting out whether you wish to be buried or cremated can be a huge relief for loved ones.

When you purchase a plan from us, we guarantee that the funeral directors fee will be met in full, when the time comes. 

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You can include you funeral wishes in your Will, but this only tells your executors and your family what kind of funeral you want. Without a funeral plan in place any costs associated with planning and carrying out your funeral will be paid out of your estate. Why is that a problem? Funeral costs are rising steeply year on year. According to Sun Life’s ‘Cost of Dying Report’ 2019 the average cost of a funeral has risen from £5858 in 2007 to £9204 in 2018. That’s an increase of 57.1%!

What are the benefits?

Many people worry about burdening their family with the cost if they don’t have enough money to pay for their funeral when they pass away. An affordable funeral plan avoids this. With the cost of funerals rising quicker than inflation it definitely makes financial sense to put a funeral plan in place. Think of it like securing your funeral at today’s prices rather than potentially having to pay much much more later on.

The financial aspect is obviously important, but don’t underestimate the relief a funeral plan can provide for your loved ones. All of the important decision making is done for them, so they don’t need to worry about knowing if you wanted to be buried or cremated, or what music should be played during the ceremony, or even what kind of ceremony you would have liked! These finer details will already be taken care of.

What does a funeral plan cover?

There are lots of options when it comes to funeral plans, all with varying costs to suit your budget. This means that not all plans will cover the same things. Some plans are ‘fully guaranteed’ and will cover all costs associated with your funeral no matter how much costs have risen between you purchasing the plan and redeeming it. Many plans will cover the costs of the funeral director and the service and will pay an additional allowance towards other costs, sometimes called ‘3rd party fees’. These 3rd party fees include things like the cost of a cremation or burial and any doctor’s fees.

If this all seems a bit complicated don’t worry, we can guide you through the options available to you and help you choose an appropriate plan. We’ll make sure you’re fully aware of exactly what will be covered by your chosen plan.

How much does a funeral plan cost?

The funeral plans we can offer range anywhere from £1644 to £3969. This can be paid upfront or by monthly installments.

What about over 50’s plans?

Commonly considered an alternative to a pre-paid funeral plan, over 50’s plans are a type of life insurance policy. With these types of policies you will make regular payments and it will pay out a lump sum when you pass away. The idea is that the lump sum payout at the end will be enough to cover the cost of your funeral. Unfortunately, this isn’t always the case. You may end up living longer than expected so end up paying more in monthly installments than eventually pays out. You may also find that the cost of funerals as risen higher than inflation so your estate or your family will still need to put some money towards it.

Typically, over 50’s plans are paid for in monthly installments over a long period of time and have no cash value, so if you miss a payment or wish to cancel you can’t get the money you have paid in back and there will be no payout. In contrast funeral plans are often paid for in full upfront, though some can be paid in installments, and short of an administration fee anything already paid in will be refunded if you should need to cancel the plan.

Are they safe?

Absolutely! The funeral plan providers we work with are ‘trust backed’. This means that the money you pay into your funeral plan is protected in a secure trust fund so it is safeguarded until it’s needed to pay for your funeral. The trust is managed by specialist trustees so you can be assured that your money is well looked after.
All providers Nene Legal work with are regulated by the Funeral Planning Authority (FPA). The FPA were set up in 2002 and regulates providers of funeral plans in the UK. All members of the FPA have to follow a strict code of practice, with the aim of setting high standards for the industry. Their principal aim is to certify that FPA registered providers are operating in way that ensures each and every customer will receive the funeral services they have paid for at the time they are required.

Here at Nene Legal we work with a number of reputable funeral plan providers so we can make sure that whatever you need and whatever your budget we can offer a range of options to you. Thinking of arranging a funeral plan? Contact Nene Legal today on 01933 588990.

We’ll all need a funeral one day and it’s costing more every year, so it makes sense to plan your funeral while you can and fix the cost by paying for it now.

A pre-paid funeral plan is not a savings policy and for its benefits and guarantees to be utilised it is required to be paid in full.

Your next of kin or executors will be required to pay the full outstanding balance to Golden Leaves prior to the funeral for the plan guarantees and benefits to remain in place. The funeral arrangements will be set in motion in accordance with the plan’s specified services that have been purchased.

If the plan’s outstanding balance cannot be met, the plan will be cancelled and the remaining funds will be passed back to the plan purchaser or their estate (or in specific instances the funeral director if required) after the cancellation fee has been deducted. If this particular situation occurs the plan guarantees will lapse and the current day rate for the funeral service will be charged to the family at the time of the funeral.

Peace of mind with a funeral plan

61% of people were unsure where their loved one would have liked to have been buried. The Sun Life ‘Cost of Dying’ report 2015 found that 61 per cent of relatives had no idea which burial ground or cemetery their loved one would have wanted to be buried in. It is no surprise then that the same report indicated 59 per cent of us have made some sort of arrangements in advance to cover the costs of our passing.

Funeral plans represent a way to take control of your funeral costs and wishes and spare your loved ones unnecessary stresses when the time comes. With a funeral plan from your local independent funeral director, you can take comfort that you and your loved ones are in safe hands.

funeral plan happy couple

Having a funeral plan is the best possible opportunity to put your affairs in order, and protect those closest to you from the stress and expense of arranging your funeral. We understand that everyone will make diverse choices concerning the end of life service they wish for, and we acknowledge a variety in the ways people wish to fund these purchases too. These decisions are clearly dependent not only on one`s financial situation, but frequently based on personal choice, circumstance and lifestyle considerations.

By selecting one of our funeral plans, you will be able to shield yourself from rising costs of funerals and take comfort in knowing that your funeral won`t be a burden to your family and friends at an upsetting and difficult time. Planning your own funeral in advance will also ensure that your preferences are respected and followed as closely as possible. At Nene Legal we want to ensure ultimate confidence that your wishes and money are protected through the good name of our preferred partner Golden Leaves Funeral Plans, A company you can place your trust in now and when you need us.

The Rising Costs Of Funerals

When you purchase a plan from us, we guarantee that the funeral directors fee will be met in full, when the time comes.

Nationally, the costs of funerals have risen by more than 90 per cent on average since 2004*

Funerals in the UK arranged in the “usual” way currently cost an average of £3,675. but this figure is expect to rise rapidly in coming years. In fact, by £2031, the average cost is expected to top the £10,000 mark.

Nationally, the costs of funerals have risen by more than 90 per cent on average since 2004, significantly more than inflation. To the individual, this means that on top of the grief of losing a loved one, there is the financial worry of finding a significant amount of money to pay for a funeral.

*Source: The Sun Life Cost of Dying Report 2015.

Funeral Planning Authority (FPA)

The FPA (Funeral Planning Authority) was set up in 2002 to monitor the plan providers of the pre-paid funeral plan industry, in order to protect customer interests. Their principal aim is to certify that FPA-registered providers are operating in way that ensures each and every customer will receive the funeral services they have paid for at the time they are required.

How does the FPA regulate the pre-paid funeral plan industry?

The FPA regulates their registered providers through an objective scrutiny which is carried out by the Compliance Committee. This scrutiny includes frequent visits to their providers and collecting relevant information via interviews with business employees and plan provider representatives. Following the initial application process that all funeral plan providers must undergo when registering with the FPA, there is also a yearly re-registering procedure to determine that all providers continue to comply with the requisite high standards set out by the Rules and Code of Practice.

Speak to our specialist team

We fully understand that although we try and cover as much as we can on our website.
There may be questions that we have not covered, if so feel free to call our trained staff on 01933 588 990.

Golden Leaves Ltd

Nene Legal are an approved Golden Leaves Funeral Plan provider. We chose Golden Leaves because not only are they one of the largest independent funeral plan providers in the UK but since pre-paid funeral planning was introduced to the UK in 1984, Golden Leaves Ltd has been at the forefront of providers. They were founding members of The National Association for Pre-paid Funeral Plans and The Funeral Planning Authority (FPA) which monitors the marketing, financial and service provisions of the plan providers that it regulates.

Golden Leaves offer Pre-Paid Funeral Plans which are Trust-based packaged, and insurance-based Fixed Monthly payment plans: both can help protect you from rising funeral costs.

Most of us try not to think too much about our own funeral or indeed those of our loved ones. But the unavoidable truth is that death is very much a fact of life.  Making practical and financial arrangements in advance to protect relatives or friends from worry and financial hardship can be undoubtedly rewarding.