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Your Funeral Questions Answered

12th Jun 2017 | UK Plans

As specialists in funeral planning we naturally get asked a lot of questions about the topic, including discussing the subject of funerals with our loved ones and how we can still protect them when we’re no longer around.

For your ease, we have answered some of the most frequently asked questions about funeral planning below.

How will my family benefit from a funeral plan?

Without a pre-paid funeral plan in place, your loved ones may be left to make difficult decisions about what to do about your funeral on their own – and how to pay for your funeral. If there isn’t a plan in place, your family may be expected to make potentially upsetting decisions, such as choosing your coffin themselves, and may have to pay for everything before the money from your estate has been distributed. Your pre-paid funeral plan can take the anguish away from your family in the future, and give you enormous peace of mind in the meantime.

Do I still need a plan if I have over-50’s life insurance?

The short answer is yes. Many over-50’s life insurance policies enable you to leave a sum of money to contribute towards your funeral. But beware! These policies do not guarantee that the funeral costs will be fully covered and your family may still be expected to find potentially thousands of pounds themselves. The only way you can ensure this does not happen is through a pre-paid funeral plan. In addition to securing the cost of the funeral director’s services at today’s price, all of your wishes will be noted so your funeral will be just as you planned.

How can I broach the subject of my funeral with my family when we don’t usually talk about these things?

Death doesn’t have to be a taboo subject, it’s an inevitable part of life and something we can all plan for in a positive way. Being open with your loved ones is so important as you want them to understand your reasons for wanting to get everything sorted. Making a list of your wishes and asking for their own ideas is a good way to involve them and make them feel part of the process.

Other things you can do include:

  • If you’re together and hear the song you have chosen for your funeral, tell them and let that lead you into a wider conversation about your other wishes
  • Invite them to an appointment with a funeral planning company where they can ask questions and talk to you about your decisions
  • Mention you are thinking about arranging a funeral plan and that you’d like to include some details that will make it unique, such as a special reading – perhaps they have some suggestions?

Will I have to pay more if funeral costs rise later?

The key benefit of a pre-paid funeral plan is that you can control the cost of the funeral director’s services at today’s prices. No matter how much prices continue to rise, your loved ones won’t pay a penny more for the services included in your plan. The cost of dying has risen by 8.3 per cent* in the last 12 months alone. With that in mind, it makes sense to take action sooner rather than later.

How do I know the money in a funeral plan is protected?

As required by the Funeral Planning Authority, any payments you make to a funeral planning company must be placed into a secure Trust fund or a separate whole-of-life insurance policy with an insurance company that is regulated by the Financial Conduct Authority (FCA). The great news is that when you take out a plan with Avalon, you can enjoy absolute peace of mind that your money is 100% secure.

 Ps. Have a question that we haven’t included below? Visit our FAQs page to read more.

*SunLife, Cost of Dying Report 2016

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