What is it called when you pre plan your funeral?

What is it called when you pre plan your funeral? This is a question that many people ask but may not know the answer to.

When you pre-plan your funeral, you are making arrangements for your funeral ahead of time. It can also be called a pre-paid funeral plan or simply a funeral plan. This can spare much of the stress and uncertainty about your final wishes for your loved ones. This blog post will discuss the benefits of pre-planning your funeral and provide some tips on how to do it. 

Pre plan your funeral

A funeral plan is a safe and secure way to plan ahead for your or someone else’s funeral. G. Seller work in association with Golden Charter. G. Seller are appointed representatives of Golden Charter, who are regulated by the Financial Conduct Authority (FRN 965279).

The Independent Way Plan allows you to tailor make your funeral plan, no matter how simple or unique that may be. You can specify every detail in advance and guarantee G. Seller’s professional services at today’s prices. 

To find take out a funeral plan, please call G. Seller on 01455 637457 to speak to one of our fully trained funeral planning consultants. 

Setting up pre-planned funerals

Setting up a pre-planned funeral or funeral plan is made as simple and seamless as possible by G. Seller. We recommend arranging an appointment with one of our fully trained funeral planning consultants to through everything at your pace (either at your home or in our funeral home, whichever is most convenient for you), without any pressure or obligation. We are here to look after you as if you were part of our own family. 

After the appointment, we can put together an itemised quotation tailored to you, which allows you to make a truly informed decision. 

The SunLife 2022 report shows that 1 in 7 people over the age of 50 have already pre-planned their funeral.

Benefits to pre-planning your funeral

There are a number of benefits to planning your funeral in advance:

i) There will be no uncertainty about your final wishes which can alleviate stress on your loved ones.

ii) Planning ahead makes great financial sense. The average cost of a funeral has increased by 33% in 10 years, mainly due to the increase in third-party costs such as crematorium fees. 

iii) G. Seller’s professional services are fixed at today’s prices so no matter how much they increase by, your family will not pay the difference. 

Paying for your funeral

There are various ways to pay for your funeral plan, it just depends on which option is right for you.

Single Payment Option 

You make a one-off single payment.

12 Monthly Payment Options

If you would prefer to spread the cost, you can pay over 12 monthly payments by Direct Debit at no extra charge. You will be covered once all payments are made. 

It is necessary for a one-off plan administration fee to be applied to the cost of every plan. This covers all of Golden Charter’s costs in setting up the plan and the work involved in the preparation of your funeral arrangements. 

Installment Payment Option

For a lower monthly payment, you can also choose to spread the cost of your plan between 2 and 15 years. 

This option includes the added benefit of the Golden Charter Pledge, which ensures if you pass away at any time after you have made 12 consecutive payments, the benefit of your plan will be provided, with no further payments to be made. 

For monthly payments and more information, please speak to one of G. Seller’s fully trained planning consultants. 

Who can take out pre-paid funerals?

Pre-paid funeral plans are available to everyone over the age of 18, with no medical questionnaires. If you choose the Instalment Payment Option, this will need to be paid by your 80th birthday. 

Payment options 

There are various ways to pay for your funeral plan, it just depends on which option is right for you.

Single Payment Option 

You make a one-off single payment.

12 Monthly Payment Options

If you would prefer to spread the cost, you can pay over 12 monthly payments by Direct Debit at no extra charge. You will be covered once all payments are made. 

It is necessary for a one-off plan administration fee to be applied to the cost of every plan. This covers all of Golden Charter’s costs in setting up the plan and the work involved in the preparation of your funeral arrangements. 

Installment Payment Option

For a lower monthly payment, you can also choose to spread the cost of your plan between 2 and 15 years. 

This option includes the added benefit of the Golden Charter Pledge, which ensures if you pass away at any time after you have made 12 consecutive payments, the benefit of your plan will be provided, with no further payments to be made. 

For monthly payments and more information, please speak to one of G. Seller’s fully trained planning consultants. 

What happens if I move house or change my name?

If you move house and you have taken out the funeral plan with G. Seller, then please contact us to discuss the options available. G. Seller are more than willing to look after you further afield.

If you change your name, please contact your plan provider to let me know of your name change. 

Can I cancel my pre-paid funeral plan?

For all payment methods with Golden Charter for your funeral plan, if you cancel your plan within 30 days of receiving your written acceptance, Golden Charter will refund the payment you have made. 

If you choose to make a single payment or pay by 12 monthly payments and you cancel 30 years after receiving your written acceptance, you will receive a refund of payments made less the arrangement fee of £249.00 and G. Seller arrangement fee of £50.00

If you are paying by the Instalment Payment Option and cancel 30 days after receiving our written acceptance 

You can cancel your pre-paid funeral plan at any time and receive a full refund of any money you have paid, as long as you have not used any of the services covered by the plan.

Pre-paid funerals and what they do not cover

Everything included in an Independent Way Funeral Plan with G. Seller is itemised by you. This includes the funeral director’s professional services, hearse, coffin, and any limousines you’d like. These are guaranteed at today’s prices.

Third-party costs included in your plan could be the minister or officiant fee, crematorium or burial costs, or doctor’s medical certificate (if applicable).

You could even include newspaper notices, floral tributes, catering, orders of service, and memorial masonry services. 

It is Your Funeral, Your Way.

If you have specific requests for your funeral service, such as music or readings, pre-planning can help to make sure that these are carried out. Contact us today at 01455 637457 to discuss your funeral planning options.