What are Funeral Plans?

    • They are products that allow the pre-payment of the funeral costs stated in the plan and, once paid for, they promise to cover the guaranteed services included within the plan irrespective of how much costs may rise or how long you may live
    • A funeral plan is a practical and sensible solution that gives peace of mind and helps loved ones at a difficult time
    • In simple terms it is a way of organising a funeral in advance and locking in the cost at today’s prices for the services included in the plan<
Did you know one of the biggest uses of credit cards is to pay for a family funeral because the money isn’t immediately available from the deceased’s estate to pay for it?

Why have a Funeral Plan?

  • Protection against rising funeral costs
  • Funeral director’s costs set at today’s prices – no more to pay for these services
  • No intrusive medical health checks – acceptance guaranteed
  • Flexibility on both funeral choices and payment options
  • Help remove some of the financial burden and emotional stress from your loved ones, at a time when they are least able to cope

Why is a funeral plan important?

Some people may also consider they have their funeral plans firmly in place and the means to pay when the time comes – “I’ve already got my funeral plans put into my Will” or “I’ve already got the money put aside in a savings account, which is earning interest”.

Making provisions in a Will can cause timing issues regarding the release of funds. Most savings accounts, if not all, won’t currently pay enough interest to keep pace with the rate in which funeral costs are rising.

What’s more, Over 50s insurance policies and savings don’t include a note of their wishes for their funeral arrangements, nor any help with these, so their family will still have to manage this themselves.

Important Factors table

Helping you plan your funeral, your way

A prepaid funeral plan is the most practical and cost-effective way to take care of funeral costs and arrangements in advance.

Not only does the plan fix the costs of the services it covers, but you can also document your wishes, so your loved ones are spared the additional pressures of trying to arrange the perfect send off for you. You can document as much or as little as you want, and change your mind at any time for no additional cost*.

Average funeral costs have risen exponentially over the last 30 years

Average funeral cost graph 2011 to 2028
  • Funeral costs are rising
  • Funeral costs have been rising steadily. In 2011 the average cost of a funeral was £2,971*, and by 2019 this had risen to £4,202*
  • If costs continue to rise at this rate, a funeral will cost £6,206** by 2028
  • Customers can fix funeral costs at today’s prices and avoid rising funeral costs by taking out a funeral plan
*2011 – 2019: Matter Communications independent research. **2019 – 2028: Forecast based on average annual compounded growth rate of 4.43% each year between 2011 and 2019. Source: * Mintel 2013 ** The University of Bath Institute Cost of Dying Survey 2013

The need for a funeral plan

  • Just like making a Will or Inheritance Tax Planning, funeral planning is an important part of your customer’s estate planning considerations
  • It’s an unavoidable truth that everyone will need a funeral one day and that this will incur a cost
  • Many people believe that making financial provision for their funeral is a good idea and taking out a Funeral Plan is one of the best ways to achieve this
  • Plans are available to anyone aged 18 or over or over without medical or health checks

What’s included in a Funeral Plan?

  • Funeral Director services
  • Contribution towards 3rd Party costs
  • Hearse
  • Limousines (dependent upon plan)
  • Coffin
  • Your exact wishes of how you would like your funeral to be conducted

How can I get a funeral plan?

We have access to the whole of market of funeral plan providers through our partnership with Best Funeral Plans, ensuring we are able to match up your specific circumstances with the best provider to meet your exacting requirements.

Here is a highlight of some of the more popular providers that our clients choose:

Unique Funeral Plans logo
  • Your plan refunded after 15 years
  • Your funeral still paid for after your refund
  • Immediate cover
  • Free standard will included
  • 18-25% cheaper than other providers
  • Discounted Joint plans
Additional 5% refund at the end of 12 months – available exclusively through Stanford Legal Services by quoting ‘Stanford 5%’ and clicking here to order.
Dignity with Distinction logo
Defaqto 5 star rating logo
  • First funeral plan introduced in 1985
  • Network of over 1.200 owned or approved funeral directors
  • Registered with the Funeral Planning Authority
  • Own 46 crematoria throughout the UK
  • 98% customer satisfaction rating
All plans come with the Dignity Promise – Peace of mind if you pay for your plan over more than 12 months. If a Planholder chooses to pay for a plan over more than 12 months and passes away before it’s finished being paid for, Dignity will cover the outstanding balance. Dignity will not ask the Planholder’s loved ones to pay a penny more than they’ve already paid for all the services included in the plan.
Golden Leaves logo
NAPFP logo
FPA logo
  • Established in 1984
  • Part of the International RB Group – led by Rowland Brothers Funeral Directors established in 1873
  • Founder members of the National Association of Pre-paid funeral plans
  • Founder members of the Funeral Planning Authority
  • First provider to offer a nationally provided ecologically, environmentally, and ethically structured “green” funeral plan
  • Plans accepted by a large number of funeral directors including those owned by Co-op and Independent Funeral Partners
Golden Charter logo
FPA logo
Golden Charter logo 2
  • Owned by independent funeral directors
  • Only funeral plan provider recommended by the Society of Allied & Independent Funeral Directors (SAIF)
  • 30 years’ experience in the funeral plan industry
  • Members of the Funeral planning authority
  • Highly rated customer service 4.7 on Trustpilot
  • Golden Charter is the only funeral plan provider accepted by H. D Tribe Ltd of Worthing  – Worthing’s’ leading independent funeral directors
Whatever your circumstances or needs then Stanford Legal Services can provide you with a suitable funeral plan. Contact us now to discuss your options