Last updated: July 2018
You can set up a pre paid funeral in Cardigan and choose your preferred funeral director or a local funeral director in Cardigan can be allocated for you when you arrange your own funeral in advance.
This guide provides 10 useful to know points about setting up a pre paid funeral plan in Cardigan .
When you set up a funeral plan in Cardigan you fix the cost of your funeral at today’s price. This means that you are protected from future price rises. Just like may other products and service the cost of funerals increase in price over time and in the past 12 years the price of a funeral has doubled. The prepaid funeral plans compared on FuneralPlanMarket.com provide national coverage and 1 national price for each plan, so the price in Cardigan will be the same as anywhere else meaning that you will not be penalise for any regional variations in price. Plus should you move from Cardigan to a new locality your funeral plan will move with you. Some funeral plan providers may charge you if you move to a new area however the cheapest funeral plans compared at FuneralPlanMarket.com do not charge if you move house. When you compare plans when you Click Here check the ‘More Details’ tab to see if there is a charge should you move from away from Cardigan .
Unlike many insurance products when you set up a prepaid funeral plan in Cardigan , there are no health or medical checks, the only information you need to provide the funeral plan provider is your name, date of birth, contact and next of kin details. The funeral plan provider will allocate a funeral director local to Cardigan to carry out the funeral requirements. If you have a preferred funeral director all funeral plans that are priced at over £3,000 allow you to nominate your preferred funeral director in Cardigan .
Some funeral plan providers provide a payment option that provides full cover after the first 12 months of consecutive payments – these funeral plans that can be provided in Cardigan do not require health or medical checks either.
A number of funeral plan providers that offer prepaid funeral plans in Cardigan allow the prepaid funeral plan to be set up in 2 names meaning that the prepaid funeral plan can be used by either person named on the plan – there are no additional charges for this option.
Other prepaid funeral plans available in Cardigan may also allow you to transfer the prepaid funeral plan to a differed person – although a charge may apply.
When you set up a funeral in Cardigan you can choose to pay for the funeral plan in 1 payment or spread the cost monthly. Most funeral plan providers will not charge if you spread the cost over 12 months, thereafter an instalment charge usually applies if the funeral plan is paid for over 2 years or more.
If you are paying for a funeral plan monthly and your funeral plan is required before you have finished paying for it then the balance will need to be paid for the funeral plan to be carried out. If you have taken out a monthly funeral plan that provides full cover after 1 year this would not apply, after 1 year of payments, however the monthly cost of these plans maybe higher than if you took our a monthly term plan from 1 to 30 years. The most common term for a funeral plan is 5 years. For more information on monthly funeral plans please Click Here.
When you set up a funeral plan to provide a funeral in Cardigan should you choose to pay for it by credit or debit card additional charges do not apply. If you opt to pay for your funeral plan monthly a minimum deposit may be required, if the funeral plan provider requires a minimum deposit this can vary between £49 and £815. The higher deposit you pay the lower your monthly instalments.
One of the main benefits, for many, is that when you set up a prepaid funeral plan for your funeral in Cardigan it means your family do not have the burden of paying for it because the funeral is prepaid. It also means family members do not need to worry about finding a local funeral director in Cardigan because the funeral director will be allocated by the funeral plan provider or you have chosen yourself. A funeral plan provider will either allocate a funeral director in Cardigan when you set the funeral plan up or at the time of need. When the time comes there will be one number to call and the funeral plan provider will immediately arrange for your local funeral director in Cardigan to collect the deceased and take to the funeral home to be prepared and cared for prior to the funeral.
Cremations are becoming increasingly popular and over 75% people choose to be cremated as opposed to buried. When you set up a funeral plan the cost of a plot is not included, because a burial is dependent on a plot, the burial plot will need to be purchased separately which can make the cost of the funeral more expensive. The price of burial plots in Cardigan vary by cemetery and graveyard. The regional variation in the price of burial plots can be considerable meaning that a burial plot in Cardigan may be cheaper or more expensive than a burial plot elsewhere. In addition the price of a burial plot will usually be cheaper in Cardigan if you are a resident of Cardigan . Being a resident in Cardigan is often defined by you paying council tax where the cemetery is in Cardigan .
Many people leave instructions about their funeral in their will which may also include if you have a prepaid funeral set up to cover the cost of your funeral in Cardigan . That said the value of your prepaid funeral plan is not included in your estate, the money paid for your funeral plan when you set up a prepaid funeral plan for a funeral in Cardigan is only to be used to be paid for your funeral.
When you pay for your funeral as part of a pre-paid funeral plan it is a legal requirement that your money is held in trust or whole of life policy so that your money is safe guarded and can only be used to pay for your funeral. If the funeral plan provider or the funeral director in Cardigan allocated to you went out of business your money would still be safe.
In addition if you pay for part or all of your prepaid funeral plan by Visa, MasterCard or Amex you are covered by the charge back scheme, for more information please Click Here.
For further information about keeping your money safe, when you set up a prepaid funeral plan please Click Here.
FuneralPlanMarket.com provide a comparison service of over 90 prepaid funeral plans that provide funeral plans for Cardigan . Just like other products and services such as when you compare car insurance there are a number of companies that provide funeral plans in Cardigan and the price and payment options differ for each. The best priced funeral plan for you for a funeral in Cardigan can depend on what your requirements are, how much you want to pay and if you want to pay for your prepaid funeral plan in one payment of spread the cost monthly. For more information on monthly funeral plans please Click Here. The national providers of funeral plans offer plans at a set national price meaning that price of a funeral plan in Cardigan will be the same in another area of the your country and therefore the price of the plan is not dependent on where you live.
All prepaid funeral plans guarantee to cover the cost of the funeral director fees and services to provide your funeral in Cardigan . The funeral director will be local to Cardigan and can provide the coffin and hearse, arrange collection of the deceased, provide a chapel of rest facility, organise the service at the crematorium or cemetery nearest to Cardigan , provide all the staff required including bearers and liaise with family members providing advice and support where necessary. More expensive funeral plans can include limousines and an upgraded coffin.
Prepaid funeral plans also include payment of third party fees. These are fees that are not in control of the funeral director in Cardigan looking after your funeral. These fees are the cremation or interment costs; Minister or officiant fees to conduct the service and medical certification fees that may be required for cremation. Some prepaid funeral plans guarantee to cover these costs whereas other provide an allowance to contribute.
Pre-paid funeral plans do not include flowers, catering or order of service. Additional options such as the release of doves, speciality coffins, video streaming, horse and carts, weekend services and headstones are also not included. Repatriation is not included in any funeral plan and travel insurance that would cover repatriation would be an option to consider.
When you Click Here to compare plans please check the More Details tab for each plan to see what is included and what is not.
Should you require further assistance to set up a funeral plan in Cardigan you can arrange for consultant to call you, please use our Call Me Back service.
“I have spent some considerable time going through the literature from Funeral Plan and found it to be very thorough in all aspects of what is a somewhat depressing subject (well, it would be its my funeral!) I know the funeral director and have the utmost faith in his ability to conduct the funeral in the best traditions of this sad time.”
“From the first phone call we were dealt with compassion and care. I cannot recommend them enough, the staff were so lovely and you get a designated contact who looks after you and is your point of contact. We used them for my mum , the crematorium was in beautiful grounds and the staff there were very good too”
“I was a little worried because I had never heard of them before but it was a caring and easy always there for me when I wanted them can very highly recommend thank you”
“From the initial phione call through to the aftercare, the staff at Funeral Plan Market were kind, friendly and we were trated with respect. Everything was handled by them and we were informed of developments at every stage.”
“The service and organisation of all the funeral arrangements were extremely good and conducted in a caring and sympathetic style. The Celebrant was particularly wonderful.”
“Having lost my daughter suddenly and unexpectedly I didn’t know what to do. we had discussed unattended cremation so I just looked online. I received an excellent and professional service nothing was too much trouble and I was kept informed”