19 / 01 / 21

Choosing the right funeral planning company

Setting out on your search for the right funeral planning company can be daunting. You may have absolutely no idea where to start beyond popping ‘funeral plans’ into Google.

Let’s face it, funerals aren’t something that we’re taught about in school and those ‘fortunate’ enough to only ever be an attendee at a funeral, rather than an organiser, may have limited knowledge on the ins and outs of funerals themselves.

So what do you need to look for, and what are the boxes that should be ticked by each and every funeral plan provider out there?

This article talks you through the different fundamentals that we think each company should provide. They’re the keys to a high level of service, and no one should settle for anything less than that when it comes to planning their own funeral.

What services do their funeral plans cover?

The services that are covered in a funeral plan will vary between different funeral plan providers, so it’s important to ensure that you know exactly what you’re getting with your funeral plan, and what you might not be.

When taking out a prepaid funeral plan, some of the services you should expect to be covered as standard include providing a coffin and a hearse, the services of a funeral director and preparation of the deceased prior to the arrival, at least.

It’s important to note that some funeral plan providers will cover, or at least, contribute towards disbursements. These are payable towards third party fees such as for the crematorium, and fees for the minister. It’s important to keep an eye out for this when taking out a prepaid plan, as if it doesn’t cover or contribute to these costs, your loved ones responsible for arranging the funeral will need to pay for these when the time comes.

signing a document

At Prosperous Life we offer Silver, Gold or Platinum prepaid funeral plans, all which include £1,000 towards disbursements and offer various different ways to personalise your funeral with added arrangements such as limousines and floral tributes.

Our dedicated team are on hand to talk you through your options and so you can choose the funeral plan that’s right for you. Rest assured that no matter how much the price of funerals may increase in the future, the price you pay today will guarantee all of the services detailed in your plan. Click here to view our prepaid funeral plan options.

Does the plan allow you to personalise your funeral?

When choosing the right funeral planning company, you are going to want to look for a provider that makes arrangements for the funeral that you want. Having the ability to set out plans for a personalised funeral means that the burden to think things through does not lie with your surviving family, particularly at a time of sadness and grief.

So, the best funeral plans will give you an opportunity to make those personal requests and plan ahead of time. By speaking to a representative you will be able to discuss everything from the quality and personalisation of your coffin, through to the music that will be played during the service, and even the dress code that you require of your guests. Funeral plan providers are there to make those requests known at the time of need.

Funeral dress code

We know that all of the above is a difficult conversation to have with members of the family. It’s hard to talk so openly about how you want your funeral to be, as it risks sparking worry for the future. By discussing these requests with a reputable funeral planning company, and getting your preferences down in writing, you can go on enjoying life with the peace of mind that everything is taken care of.

How flexible are they, should you wish to make changes to your plan?

A prepaid funeral plan is something that will be with you for the rest of your life – and hopefully, something that won’t need to be activated for some time after taking it out. With that in mind, there are many things that may change over the course of years which may result in wanting to make changes to your plan.

This could be anything from updating your personal details, personalisation requests or even payment plans. You’ll want to know how flexible your provider is when it comes to making amends to your plan, and if they will charge a fee for doing so.

Here are a few questions you might want to ask your funeral plan provider:

– What would happen if I moved to a different area? How would this change my plan?
– Is there a fee for updating my details at a later date?
– Can I upgrade my plan at a later date?
– Can I change my payment plan, if I want to pay more or less in monthly installments?
– If I change my mind, can I get a refund?

Prosperous Life is a nationwide funeral planning company, and therefore should you relocate to a different address in the UK this will not affect your plan. We make it easy to make changes to your plan with ongoing, dedicated support from our funeral plan managers and our customer service team.

What are your payment options?

The best funeral plan providers will offer flexible payment options to ensure their services are as accessible as possible, for all who choose to use them. As you are reading this article, you may very well be setting out on your research into prepaid funeral plans, so be sure to keep an eye on the payment options that each company has.

At Prosperous Life, for example, we offer two payment options. The first is a Lump Sum – a single payment in full to be made on the start date of your agreement with us. The second is a payment in Instalments – payment through a set number of instalment payments, over a specified period of time.

online payment

Lump Sum payments offer you the opportunity to prepay your funeral plan in one go, and this can be ideal for those who have built up savings over the years for such a purpose. Alternatively, Instalments plans are perfect for those who are looking to manage the payments alongside their other financial commitments.

Either way, the key to choosing the right funeral planning company is in finding someone who explains all of this information to you clearly. We hope that our Funeral Plans page answers all of your questions, but we are only a message or phone call away if you have any questions at all.

Where is your money being held?

As with any investment, when taking out a prepaid funeral plan you want to know if your money is secure and how it’s being safeguarded. As the customer, you have the right to ask these questions, to ensure that when the time comes, your money will be available to honour the plan.

With a Prosperous Life funeral plan, you never need to worry about the safety of your funds. Your money will be securely held in The Great British Funeral Trust, which is managed by experienced trustees and actuaries to ensure your money is secure.

This guarantees that when the time comes to put your plans into action, there will always be sufficient funds to allow your plans to go ahead without any delays.

Do they have a customer service department?

All of the above counts for nothing if you aren’t being treated with the fundamental respect and decency that you deserve as the customer of a funeral planning company.

man on phone

First impressions matter, so the high level of customer service that you are entitled to should become apparent from the moment you make contact for the first time. Is everything being explained clearly to you? Do you feel in control of the situation, and that you are being listened to?

We have a dedicated team of funeral plan managers and a great customer service team who can be easily contacted via phone or email, should you wish to make any changes to your plan, or have any queries at a later date.

How trustworthy is the provider?

When it comes to planning for later life, it’s important to do your research and invest your money only with reputable, trustworthy businesses. Not only is this imperative for having peace of mind that your money is safe and secure, but also to ensure that they are capable of upholding your wishes and carrying out your funeral arrangements as agreed.

Here at Prosperous Life, our reviews speak for themselves. We are rated 4.7/5 on Trustpilot from over 5,000 reviews. We pride ourselves on our impeccable standards of customer service and ability to make the funeral planning process as simple and comfortable as possible.

If you would like to arrange a prepaid funeral plan, or find out more about the plans that we offer, please get in touch with one of our friendly funeral plan managers today. We’re here to give you the help and guidance you need to secure your future.

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