Thinking about your funeral might not be your highest priority right now but having something in place can give you peace of mind. After all, it’s one of the only sure things in life – we’re all going to need a funeral one day.
And with the cost of funerals rising each year, it can be useful to think ahead and let your family know that you’ve made a plan.
Anything you can do to ease the financial and emotional strain on your family will be a big help at a difficult time.
Here are five popular reasons why people get a pre-paid funeral plan:
1. Funerals can be expensive
The average cost of a basic funeral now stands at £4,184*, more than double what it was in 2004. Using a funeral plan could ensure that all of these costs are covered, irrespective of whether funeral costs increase in the future.
It’s important to remember that the cost of a basic funeral does not include any extras, such as a headstone, flowers or a wake.
Even if you are aware of how much funerals cost today, there’s no way of knowing exactly how much they’ll cost when you die. Costs are rising every year and your family could be left to cover the shortfall.
If you plan ahead, you can manage the cost of the funeral you want and avoid leaving a bill for your loved ones by buying the right funeral plan.
*represents the mean average of the cost of a burial and the cost of a cremation in the UK. For more information about funeral costs by type and region, please see our Cost of Dying report.
2. It helps your family – not just financially
Having a pre-paid funeral plan in place is one of the final ways you can make a difficult time for your family a little easier. Reducing the emotional stress for your loved ones is a huge factor in getting a funeral plan for a lot of people.
With the funeral arrangements already decided by you and money worries out of the way, your loved ones can spend more time together to grieve and celebrate your life.
3. You can make your wishes known
Telling your loved ones what you’d like is the best way to ensure that your wishes are honoured.
Perhaps you want to be cremated wearing a specific item of clothing or with something that means a lot to you. Or maybe you don’t want a traditional funeral but would prefer a direct cremation. Either way, you can rest assured knowing your wishes can be met in as much detail as you want.
4. You have independence until the end
None of us want to be a financial burden to anyone, let alone our children. Leaving a plan for our funeral ensures that our final act of independence is carried out – something that’s important to many people. For those of us with children, it gives peace of mind that we’ve been parents until the end.
5. You can ensure you’ll have a proper send off
Whether you want a traditional funeral with cars for your family and a memorial wake afterwards, or whether you’ve got some unique, weird and wonderful funeral requests, you can make sure that your wishes are met.
For some people, making sure they have a proper send-off is important. With funeral cover in place, you can choose the celebration of life that you want.
*SunLife 2021 Cost of Dying Report