Prepaid Funeral Plans

doshminer

Does anyone know of a good, downloadable checklist or form for planning for your own death? I've looked at many online but can't find one that is comprehensive, free and works properly. The MSE "Death Happens - Plan For It" guide is good but a GOOD downloadable form to create your own plan would be a great help.

Savvy_Sue

Does the Age UK Lifebook fit the bill? Sorry, can't link, but Google will get you there.

doshminer

Cheers! Yes that will work if I use a pdf editor. Ideally I wanted a form with fields which I can fill in electronically which this doesn't have unless I add text using the pdf editor but it's the best I've seen. Thank you.

Intoodeep

Just an idea, why not save the money into a Savings Account and then there are not any "charges" to decimate the figure?

[Deleted User]

Because the cost of funerals tends to outstrip inflation and savings.  And once paid for, there's no charges to decimate the figure in any case.

nursemaggie

I bought my funeral plan because if I added it to my savings I would have lost my benefits. This is ideal if you can by the funeral, save up to put the cost of your funeral back in your savings.

I paid cash and now my relatives don't have to pay the bill and there will be a little left in my savings for them to have at least something. There is no interest, and no fees.

When you are on benefits your monthly income is counted as your savings so it does not leave much to pay the bills after you die.

I used the co-op.

I don't pay tax so saving tax does not come into it. The money is invested long term so better interest. Even if you have no savings it still saves your relatives a lot of work.

anita116

Just read MSE guide.   What does 'Maximum plan length' mean?   Is it the time it has to full payment or is it how long it is valid for?   Maybe something else?   Thanks.

23vee

My husband and I have a funeral plans with 'SILVER CLOUDS' they have declined to join the fca I believe. I have contacted them twice (aug and oct). they told me that we are being transferred and paperwork is being prepared and that emails will follow soon. What do I do? we both have paid just over thousand pounds each. Next direct debits due early November. Should I cancel them and maybe risk losing all?

Tappers

23vee said:

My husband and I have a funeral plans with 'SILVER CLOUDS' they have declined to join the fca I believe. I have contacted them twice (aug and oct). they told me that we are being transferred and paperwork is being prepared and that emails will follow soon. What do I do? we both have paid just over thousand pounds each. Next direct debits due early November. Should I cancel them and maybe risk losing all?

You can find info about providers here https://www.fca.org.uk/consumers/funeral-plans/providers-list 

lindajill

anita116 said:

Just read MSE guide.   What does 'Maximum plan length' mean?   Is it the time it has to full payment or is it how long it is valid for?   Maybe something else?   Thanks.

Hi Anita. Thanks for your post: I was just as confused about this as you! I've just called Dignity, and they explained that their prepaid funeral plans are not for a fixed period of time. Once purchased, a prepaid funeral plan remains in place until it's needed, regardless of length of life! The person I spoke to suggested 'maximum plan length' probably relates to the period of time over which you can pay for the plan. Perhaps Clare Casalis / MSE could confirm / clarify this in their article? Linda.