Find out what to consider when choosing a pre-paid funeral plan. Factors include what’s covered, potential extra costs, flexibility, personalisation options, and how your money is protected.

A pre-paid funeral plan can offer peace of mind and financial security, but not all plans are the same. Before making a commitment, it’s important to understand exactly what you're signing up for.

What Services Are Included in the Plan?

The first thing to check is what the plan actually covers. Most pre-paid funeral plans will include the funeral director’s services, care of the deceased, a coffin, and transport on the day. Some also include an allowance for third-party fees such as cremation or burial, the officiant’s fee, and other essentials.

However, coverage can vary between providers. You should read the details carefully to know exactly what’s included - and what’s not - so there are no surprises later on. Some extras, like flowers, headstones, or newspaper notices, may come at an additional cost.

Are There Any Extra Costs Later On?

While a plan is designed to help fix costs in advance, it's still important to ask whether your family might be expected to pay anything else when the time comes. This usually depends on whether third-party costs are fully covered or just capped at an allowance that may not keep up with inflation.

For example, if cremation fees or minister fees rise significantly beyond the plan’s allowance, your loved ones might need to make up the difference. Always ask how these fees are handled and whether there's a risk of extra charges in the future.

Can You Personalise the Funeral Arrangements?

Every person is different, and many people have preferences for how they’d like their funeral to be carried out. Whether it’s a particular piece of music, a religious or non-religious service, or a special request for the location or tone of the day, personal touches matter.

Some plans are flexible and allow a high level of customisation, while others stick to a fixed package. If it’s important to you to have a say in the finer details, choose a plan that lets you personalise your arrangements.

Is the Plan Flexible if Your Needs Change?

Life circumstances change, and it’s worth checking how easy it is to make updates to your plan if needed. Can you switch to a different type of service later? Can you add or remove options? Will there be penalties if you need to cancel?

A good funeral plan should be flexible enough to accommodate changes in your preferences or financial situation. Be sure to ask what your options are if you need to make adjustments in the future.

Is Your Money Protected Safely?

Pre-paid funeral plans involve handing over money in advance, so it’s vital to know your funds are safe. Reputable providers will either place your money in a secure trust or use an insurance policy to protect it until the time of the funeral.

In the UK, funeral plan providers must be regulated by the Financial Conduct Authority (FCA). This regulation ensures that your money is handled properly and that there are clear protections in place. Always choose a provider that is FCA-authorised and ask for confirmation of how your money will be safeguarded.

Pre-paid Funeral Plans in Lancashire

Interested in securing peace of mind with a pre-paid funeral plan? We offer Golden Charter plans across Ormskirk, Aughton, Burscough, and the wider Lancashire area. Find out how you can lock in today’s prices and tailor your funeral to your wishes.