Funeral plans: The pros and cons


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If you’re thinking of getting a funeral plan, it’s important to understand what you’re buying and exactly how it works. Like all financial products, you should always weigh up the pros and cons before you make a decision.

Here are some of the key features of an Avalon plan explained, so you can understand what a funeral plan is and make the decision that’s right for you.

A funeral plan lets you beat rising funeral costs

The average cost of a funeral is rising year on year, above the rate of inflation. It’s hard to predict exactly where funeral prices will be in the future but some estimates suggest the average funeral could cost could be in excess of £12,000* in 15 years.

Funeral poverty is also on the rise, with the level of debt taken on to pay for funerals at an all-time high.

A funeral plan is not an insurance product or a loan – you’re paying for Funeral Director fees and other costs in advance, meaning that you’ll avoid spiralling funeral costs. There isn’t a cash lump sum when you die, but the key costs of your funeral will be taken care of.

Put simply, if you take out a plan today and pass away 15 years from now, you could save thousands of pounds. Life insurance and other types of funeral cover can’t promise to beat rising prices like this.

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Make funeral arrangements easier for your next of kin

When someone passes away, there are many decisions to be made and arrangements to make. Your loved ones will need to shop around and choose a Funeral Director, choose between burial or cremation, decide on a coffin, flowers, type of service, notify friends and family, register the death – and that’s not to mention probate and managing the estate.

One of the big advantages of a funeral plan is that you’ll have made all the immediate, important decisions in advance. When the time comes, your next of kin simply has to call the Avalon bereavement line, which is open 24/7, and we’ll get in touch with your nominated Funeral Director to start making arrangements. They’ll then guide your loved ones through the whole process, making sure everything is carried out in accordance with your funeral plan.

Decide how you want to be remembered

Funerals are a time for friends and family to say goodbye, reflecting on the person that they knew and what made them who they were. That’s why lots of people feel that funerals are a deeply personal choice.

Whether you love the idea of a traditional full service and burial, or want a simple, fuss-free cremation, a funeral plan lets you plan – and pay for – your ideal funeral in advance. Not only do you know you’ll get the funeral you want, your friends and family will be reassured that you had a say in your final farewell.

Avalon funeral plans have guaranteed acceptance

When you take out an Avalon funeral plan, there are no health questions or medical checks like there are with some life insurance policies. You’re guaranteed to be accepted, as long as you’re over 18 years old. That means anyone can benefit from the advantages of a funeral plan.

Want to find out more about the benefits of a funeral plan?

Book a home appointment with one of our friendly advisors, or request a quote to find your perfect plan.


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.

* Based on historical market data (2011-2017) and Avalon’s projections