image

Do you think planning and pre paying for your funeral in advance is a good idea?

As the cost of funerals is steadily rising, more and more people are looking ahead and purchasing funeral plans so that their family don’t have to worry about the cost at the time.

A funeral plan is where you plan and pay for your funeral in advance at today’s prices, and then there’s nothing for your loved ones to pay when you die. You can pick your coffin, what flowers you would like, even details such as hymns and music. Not only does this take away the financial burden from your family, it also gives them the peace of mind that they are acting out your wishes, and not guessing at what you wanted.

They are a big investment, costing upwards of £3000, but with many plans being “inflation proof” they are growing in popularity year on year. However, the taboo of death prevents a lot of people from wanting to discuss their funeral, let alone plan it!

What are your views? Would you plan and pay now to save your loved ones money and the worry in the future? Would you prefer to spend that money on the here and now? Do you feel comfortable with arranging your own funeral? 

 

Do you think planning and pre paying for your funeral in advance is a good idea?

312 people have already voted, what's your opinion? Yes No

What are your views?

We'd love to hear your comments

Not a member?

You need to be a member to interact with Silversurfers. Joining is free and simple to do. Click the button below to join today!

Click here if you have forgotten your password
buddymirren
6th Sep 2019
0
Thanks for voting!
saves a lot of tears at a very difficult time
AnnH726
23rd Aug 2019
0
Thanks for voting!
I think it's a good idea to have a funeral plan because I am paying for it and not having my children to pay anything.
0
Thanks for voting!
I started a prepaid funeral plan 3 years ago. Although my children were a bit shocked when I told them I believe its a good thing to do. After all who knows what may happen in the future. Although they are comfortably off at the moment
things can change and I dont want them worrying about the cost of my funeral.
We can all talk about it now and my son even helped me choose the music.
Tanker01
2nd Aug 2019
2
Thanks for voting!
Having recently lost my beloved without having the chance to discuss what she would want at the funeral it was hard to make the decisions to what I think she would like and what the family would like for her.
By doing your own planning you are taking the responsibility away from others and making the occasion of a celebration of life what you want for family and friends to remember.
CaroB4
1st Aug 2019
0
Thanks for voting!
Look out for Low Cost Funerals like https://www.memoria.org.uk/services-and-facilities/low-cost-cremations/
I used them recently and found them to be excellent...they could not have been more helpful. The service could be arranged exactly as I wanted it...poems, music and I found a Crematorium they used in my area which was a lovely place in nice grounds, plenty of parking...it could not have been better. It cost me less than half the price many charge these days. So well worth investigating"
Highly recommended!
CaroB4
1st Aug 2019
0
Thanks for voting!
I must add that I requested information from several Funeral Directors in my area to get some idea of costs...and like another SS on here I found they did not even bother to reply or offer me information. Memoria Ltd did reply and they lay everything out for you via email...the choices you can make...the cost of each aspect. I paid extra for a lady to come along and take the Service as no-one felt able to stand up and read poems or talk....but that was my choice. It can be religious or non-religious as desired. They arranged collection from the hospice to take to a funeral director of their choice and transfer to the Crematorium on the day. The coffin was nice - I was able to place flowers on it before the Service.. The ashes were available for collection within a few days. c.£2k a good estimate for everything I had....less than half the price of many others. They provided a real service.
Missymoo
26th Jul 2019
0
Thanks for voting!
If one can afford it YES !
AnnC57
26th Jul 2019
2
Thanks for voting!
Not necessary if you have made a will. Just write in that your funeral is to be paid for from your estate.
red kay
22nd Jul 2019
0
Thanks for voting!
I have paid for my funeral. the house is for the kids, so now I can spend my money as I wish without guilt.
SharonR17
14th Jul 2019
0
Thanks for voting!
When I retired in 2006 I used the cash sum I received from an insurance policy to pay for both myself and my husbands funeral it seemed weird at the time but saves a lot of worry for family. We don't have to worry now we can spend what we like as the house will be left and divided to whom we have stated in our wills so no one can argue who gets what.
Alicia
12th Jul 2019
1
Thanks for voting!
NO - I will leave money behind to pay mine thanks!
Westminster
10th Jul 2019
0
Thanks for voting!
When my Mother was near death in hospital in 2000 in Northern Ireland, I decided to telephone lot cal Undertakers for quotes for a simple funeral.
Some were unwilling to quote on the telephone, and wanted to visit me to explain their services, etc.
I eventually found an excellent local company that carried out the funeral for £650, we already owned a burial plot.
It pays to shop around.
Barbara347
8th Jul 2019
1
Thanks for voting!
It takes a lot of the immediate stress when a loved parent dies, so pleased that my Mum and Dad had the foresight to pay in advance, that’s why we have done so.
joyce19
8th Jul 2019
0
Thanks for voting!
My youngest son has invested a lump sum for me to pay for my funeral. I had long discussions with all my boys to decide how they wanted to do it.
ibow
8th Jul 2019
1
Thanks for voting!
I have pre planned my funeral because I had the experience of mother having done the same. When the time.came having all my mother's wishes written down and paid for made it less stressful and easier to cope with her death.. I hope my children will have a similar experience.
jarich
8th Jul 2019
0
Thanks for voting!
I took out a prepaid funeral plan a few years ago, and also have set out details of the funeral service that I would like ---readings and so on. I did this as my late hubby died suddenly with no plans made for his funeral service with the exception that we knew he wanted cremating. I hope that by making my own funeral arrangements, I have saved my family a lot of worry (and expense)
carolp1974
8th Jul 2019
0
Thanks for voting!
I paid for my funeral 10yrs ago,if you can afford to do it.I dont want my parner or family to go into debt to pay for it.my mum and dad had payed for theirs too.just so very costly now.knowing my luck,probably drown,and never be found.x
SheilaT75
8th Jul 2019
0
Thanks for voting!
I paid for my funeral through Age UK ,it was a very good idea ,didn’t want my family to have to pay when I was gone ,
Did the same for my late husband he passed away nine years ago and it would have been £2000 more if we hadn’t have paid previously.
So yes I think it is a very good idea the way prices are going up .
DeniseJ4
8th Jul 2019
0
Thanks for voting!
I would just like to say that you need to check how much money will be made available for the funeral. Recently someone bought a funeral plan for £4500 which would cover the cost of a decent funeral. He then died and family were offered £1500 for the funeral after the commission was taken..

You do need to check the small print and the guarantees.
Alexisthecat
7th Jul 2019
1
Thanks for voting!
Mr and mrs Alexisthecat each took out a plan with the coop at the beginning of May this year we pay a set amount each month and on our first years anniversary the costs of our funerals are guaranteed what could be simpler than that.
Lee Lee63
7th Jul 2019
1
Thanks for voting!
I think pre-paying for a funeral is a great idea. My health circumstances led me to leave work at 60 and I receive no pension until I'm 66, so unfortunately I can't afford to pay for a funeral yet. I worked all my life apart from when I had the children so I feel miffed that the age limit for a state pension was raised.
Len33
6th Jul 2019
3
Thanks for voting!
For many years, I have worked in the funeral trade.
Personally, I think that a pre paid plan is a good idea.
I paid 'up front' for my funeral plan in 1994.
That was the year in which my late wife, of 24 years, died.
And before you say it, no, I did not get a trade discount for either of them!
I realise that funeral plans are an unregulated industry and things can go wrong, but sometimes you just have to make a decision and get on with it......................rightly, or wrongly.
Like time and tide, procrastination will wait for nobody.
Lionel
6th Jul 2019
1
Thanks for voting!
Well said Len. Thank you.
kentrix39
5th Jul 2019
1
Thanks for voting!
Took mine out five years ago when I paid a not little amount but less than if I had bought it today by a lot. In the future costs are going to really escalate so unless you are super rich get a plan now and pay it in full.
VeraS
4th Jul 2019
2
Thanks for voting!
The way firms are going bust I wouldn't trust any of them
methilman7
3rd Jul 2019
1
Thanks for voting!
I pre-paid for my funeral years ago. I have stashed the details somewhere in my flat and relish the thought of people scrabbling around trying to find them once I'm gone. If they can't find them, they can just chuck me into a skip. My will should be even harder to find - have fun! x
Punto52
3rd Jul 2019
1
Thanks for voting!
We took one out years ago everyone should have one why leave it to families to sort it out
Retiredyorkie
3rd Jul 2019
2
Thanks for voting!
Excellent idea - takes out all the worry for members of family
DipsyDitsy
2nd Jul 2019
1
Thanks for voting!
I certainly think it is a better idea than the monthly plans advertised on TV. My mum planned and pre paid for her funeral when she knew that she had a terminal illness. I think if I planned mine, I might want to keep changing my mind about the arrangements.
GwynethC8
2nd Jul 2019
2
Thanks for voting!
Yes, I do think they are a good idea - my husband died recently and he had taken out a plan with the Co-op some years ago so everything was dealt with speedily and without hassle.
However, there were still some added costs - flowers, notice in the newspaper, 'orders of service' and the cost of placing the ashes into containers for us to distribute - so choose which plan you want wisely. We had no problem in covering the extra costs (of our choosing) but some people may find it an added burden.

I have not yet taken a plan out. For some years I have been seriously thinking of donating my body to the tissue bank but I need to sit down with my two (adult) children to see if they are still in agreement. Whilst my son will be happy for this to happen I did feel that my husband's humanist funeral bought comfort to my daughter. I know they will happily go along with my wishes when I make the final decision but I would want them both to be in agreement.
ElisabethR
2nd Jul 2019
3
Thanks for voting!
Yes I thought it was a good idea. No hassle for my daughter. All sorted. Did you say a funéral is now upwards of £3.000? Ha ha I sorted mine two and a half years ago....(.£2.000 at that time, with the co op so got £200 back on my co op card! Lol). Think the co op is pretty safe, the monies are supposed to be invested somewhere else to keep ahead of inflation.
Mary Lincoln
2nd Jul 2019
4
Thanks for voting!
My husband and I have already paid for our funerals. We do wonder if we have done the right thing. It would only need the company that our money has been invested into to go into liquidation.
Wipeout
2nd Jul 2019
4
Thanks for voting!
Mary
If it was invested through an Undertaker business your money is pretty safe... you do not often see an undertaker go out of business!!
An Insurance company may not give you the same assurance,
Mary Lincoln
2nd Jul 2019
1
Thanks for voting!
Thank you for that Wipe out at lease its pubs my mind at rest.
GlenisM
2nd Jul 2019
0
Thanks for voting!
I think it a good idea, the family then know your wishes,
Wilf
2nd Jul 2019
2
Thanks for voting!
Yes I think its a very good idea as it removes all the hassle for our nearest and dearest. It can also work out cheaper if bought in advance.
Gwendaelizabeth
2nd Jul 2019
1
Thanks for voting!
Pre planning but not necessarily one paying,

Community Terms & Conditions

Content standards

These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it.

You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole.

Contributions must:

be accurate (where they state facts); be genuinely held (where they state opinions); and comply with applicable law in the UK and in any country from which they are posted.

Contributions must not:

contain any material which is defamatory of any person; or contain any material which is obscene, offensive, hateful or inflammatory; or promote sexually explicit material; or promote violence; promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age; or infringe any copyright, database right or trade mark of any other person; or be likely to deceive any person; or be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence; or promote any illegal activity; or be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety; or be likely to harass, upset, embarrass, alarm or annoy any other person; or be used to impersonate any person, or to misrepresent your identity or affiliation with any person; or give the impression that they emanate from us, if this is not the case; or advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Nurturing a safe environment

Our Silversurfers community is designed to foster friendships, based on trust, honesty, integrity and loyalty and is underpinned by these values.

We don't tolerate swearing, and reserve the right to remove any posts which we feel may offend others... let's keep it friendly!