3 Factors To Consider When Looking For The Right Funeral Plan

The funeral plan has been marketed as a cheap solution in order to avoid the burden of the future increased funeral related costs. This is because the cost of a funeral has risen more dramatically than the rate of inflation overtime thus making it a long term heavy cost for the payer. As a result, this has earmarked the growth of funeral plans at present. 

Know Your Research

Google is the epicenter of any query, and looking to obtain information about a potential funeral plan should be done through the renowned Google Search function. Doing this will find a large variety of options since an overwhelming amount of funeral directors and providers now market their plans online. Furthermore, these providers can then also be contacted by phone as their contact details can be viewed online. While the internet remains an important source in obtaining information with what to look out for when searching a funeral plan, actively going out to observe and book appointments with these providers can act as a helpful tool to negotiate fees but also to explain the make-up of the costs involved and the forms of cover on offer. In addition, it is also crucial to use the contact details on behalf of the providers listed on their adverts as their contact and expertise is a useful tool when deciding on which plan best meets your needs.

Know How They Work

Another valuable idea is to understand how a funeral plan works. With this in mind, they can be purchased in two main ways from either a funeral plan provider or a funeral director as discovered previously. Both tend to be flexible regarding payment with both forms allowing instalment payments. In spite of this, some providers look for the advance one-off payment. Therefore, it is important to consider one’s cash flow position when looking to buy a plan in the first place. The make-up of the plan must be given full consideration since some of the most expensive plans do not contain the full package. For the sake of researching for a funeral plan, some typical services to look out for are distance to be travelled to collect the deceased. Other services to look at are whether or not cover is provided for the church service, limousine service or even the use of the chapel of rest. 

Understand The Costs Attached

The costs attached to the plan represent a major factor to consider when looking for a funeral plan as this will solely make clear if a particular plan is the right one for you. The cost structure attached to each plan is based on a basic, standard or comprehensive approach, with the latter usually being the most expensive of the three. Despite this, comprehensive plans do not cover for headstones, memorials or even burial plots, thus making them an extra cost. Each provider or director can provide a series of plans and some of the most popular include organisations such as Age UK, Golden Charter, Family Funerals Trust and Perfect Choice etc.