Funeral plans - your questions answered

We all want to know the best way to say farewell to our loved ones and how we can protect them after we’re no longer around, so we asked our partner Avalon Funeral Plans to answer some of the key questions about funeral planning.


Why should I think about a funeral plan now? 

No one likes to think about what’ll happen when we’re no longer around, but without putting any set plans in place, your loved ones may be left to make difficult decisions about what to do on their own – and how to pay for your funeral. If there isn’t a plan in place, the loved ones of the person who has died may be expected to pay or to take money from the estate of the person who’s passed away. By making a pre-paid funeral plan, you take the strain away from your family, meaning everyone can enjoy life with peace of mind knowing they’ve followed your wishes and things have been taken care of.

I have over 50’s life insurance. Do I still need a funeral plan?

In short, yes. An over 50’s life insurance policy allows you to leave a loved one a sum of money to possibly contribute towards your funeral. However, it does not guarantee that the funeral costs will be fully covered. A funeral plan is the only way to secure the cost of the funeral director’s services at today’s price – controlling the cost and providing protection in the future. With a funeral plan, all of your wishes have been recorded and the cost and emotional burden will not sit with your family.

I find it hard to talk about my funeral with my family. How do I broach the subject?

Try to be as open as possible with your loved ones, explaining your reasons for wanting to get everything sorted and ask them for their thoughts. If it’s easier write them a letter, or even show them the full Guide to Pre-Paid Funeral Plans (see below). It may also help to invite them to an appointment with a funeral planning company where they can ask questions and feel comfortable with decisions you’re making.

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

The huge benefit of a pre-paid funeral plan is the ability to lock in the cost of the funeral director’s services at today’s prices. Given that funeral prices have risen by 8.3 per cent* in the last 12 months alone, it certainly makes sense to take control of the costs sooner rather than later.

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

In line with Funeral Planning Authority rules, all the payments you make to a funeral planning company should be placed into either a secure Trust fund or an individual whole of life insurance policy with an insurance company that is regulated by the Financial Conduct Authority. When you take out a plan with Avalon, you can rest assured your money is secure no matter how long you live for.

To request your FREE copy of the Yours Guide To Pre-Paid Funeral Plans call 0800 088 2401 or write to: Yours Funeral Planning, FREEPOST – NAT 5718, Wilmslow, SK9 2BR or visit
Phone lines are open: Mon – Thurs 9am – 7pm;  Fridays 9am – 1.30pm.