With the news that funeral debt is at an all-time high and financial hardship impacts four million Brits after losing a loved one, now is the right time to plan ahead for your funeral.
More Brits are looking for affordable, lower cost funerals. But shopping around for an affordable funeral director is tough, especially when a family is grieving. One of the best ways to save money and avoid funeral debt is with a pre-paid funeral plan.
Why should I buy a funeral plan?
While large funeral home chains are reportedly starting a ‘price war’ on simple, low cost funerals, buying an at-need funeral could actually be less cost effective than you think.
The average cost of a funeral in the UK has risen by 6% over the last five years, according to the National Funeral Cost Index 2018. That’s faster than the rate of inflation, and costs are expected to continue to rise. A funeral could cost as much as £12,000 in 15 years’ time.
A funeral plan helps you beat these rising funeral costs by letting you secure funeral director fees at today’s prices.
With an Avalon funeral plan, there’s also a £1,000 allowance for third-party costs, such as doctor’s fees. This allowance increases every year in line with the Consumer Pricing Index (CPI) – meaning that you don’t lose value because of inflation.
But apart from the financial benefits of buying a funeral plan, you’ll also get to plan the funeral you want in advance and save your loved ones time and worry. When the time comes, they’ll know that everything is being taken care of and you’re getting the send-off you planned.
What makes Avalon’s funeral plans different?
We offer unlimited conveyance
When the time comes, the funeral director will take you from the hospital or your home to the funeral home to be care for until the funeral. This is known as conveyance.
Many funeral plans only cover a limited range of conveyance, for example within a 50 mile radius. Any extra mileage will need to be paid for by your next of kin when the time comes.
An Avalon funeral plan includes unlimited conveyance within the UK mainland. That means if you die away from home, there’ll be no extra cost to take you back to your nominated funeral director.
Embalming is included
Embalming is a popular funeral option that preserves the appearance of the person who has died. This might be something you want if people will be visiting a Chapel of Rest to pay their respects.
Most standard funeral plans don’t include embalming. This will cost extra at the time of need and your loved ones will need to foot the bill. However, if you want embalming, an Avalon funeral plan includes hygienic treatment and embalming at no further cost.
There are no service time restrictions
Some simple funeral plans from major UK providers include time restrictions on when you can actually have the funeral service. Usually this means you can’t have the funeral during popular peak times, and might have to have a service early in the morning or late in the afternoon.
You can choose European coverage
Avalon Funeral Plans operates in Spain, Portugal and Cyprus, as well as the UK. That means that if you’re thinking of moving to one of these countries, you can ask for your funeral plan to be transferred to a local funeral director in that country.
In addition, you can have dual certification on your plan. That means that if you split your time between the UK and a holiday home in Spain, Portugal or Cyprus, your funeral plan can be used in either country.
We work with independent funeral directors
Avalon Funeral Plans works with a network of local, independent funeral directors across the UK. When you trust an independent funeral director to care for you and your family, you’re supporting a local business.
We have up to 94% postcode coverage, so if you move home, Avalon can transfer your plan to another nominated funeral director. If you let us know that you’ve moved before your family need to enact the funeral plan, there’ll be no admin fee or charges to change your address.
To give your loved ones peace of mind and financial support, find out more about Avalon’s range of flexible funeral plans, or call us on 0800 014 9112.
About the author
With a Masters from the University of Bristol, Jessica Hanson has worked in the funeral sector for several years, following the latest industry trends and writing about end of life planning. Jessica has previously written as a blogger for the Huffington Post, covering topics such as death positivity, understanding grief and how funerals are changing. You can find Jessica on LinkedIn and Twitter.