With a standard funeral plan, you pay for your funeral in advance, at today’s prices. You can pay the plan provider in either a lump sum or instalments. You can buy a plan from most funeral directors.
Funeral plans vary in terms of what’s included. All plans include the services of a funeral director who takes care of the deceased, arranges the funeral and organises transport.
But there are differences with the extra services that plans offer. Some might provide high-quality coffins, access to view the deceased in a chapel of rest, and limousines to transport guests to the funeral. While other plans might be more basic and just cover the cost of your burial or cremation.
As well as the main costs of the funeral director and coffin, funeral plans might also include – or make a provision for – third-party costs. These can include the cost of using a crematorium, doctors’ fees and the cost of a minster or celebrant. These third-party costs are usually called ‘disbursements’.