Peace of Mind
Choosing one of our funeral plans is one of the most effective and affordable methods by which to protect your family and loved ones against the rising cost of funerals. With funeral costs rising at may above inflation, there has never been a better time to consider a pre-paid funeral
If you don't wish to pay for your funeral plan in full straight away, we offer a range of monthly instalment terms. Plans paid for over 12 or 24 months attract no handling charge. Payments over 36, 60, or 120 months incur a 4% pa handling fee.
We offer what we call an Either/Or option, which allows a single plan to be 'shared' between 2 people, meaning the benefits of the prepaid funeral plan can be taken either at the first death, or at the second.
About our Funeral Plans
We are a specialist in providing bespoke funeral plans, based in Huddersfield, West Yorkshire.
We only provide high quality prepaid funeral plans, and have scoured the whole market to bring you the best terms and prices.
By taking out a prepaid funeral plan you are protecting your loved ones against the increased cost of funerals in the UK. It is also an opportunity to set in stone your wishes, so that your family don’t have to have that potentially difficult conversation about what kind of send-off you want, at what is a very difficult time.
Funeral costs have been rising faster than inflation for some time, and show no sign of slowing down. At current rates the average funeral is expected to reach £8000 by 2030. That’s only 13 years away! Funeral plans fix your future funeral, whenever it is, at today’s prices.
The UK government website quotes the average cost of a funeral (2017) at £3675 (Source: The Money Advice Service), and the rate of increase per annum way exceeds inflation (The Guardian says there was a 5.5% increase last year). Our prepaid funeral plans start from £2895, with Direct Cremation costs even lower. These prices are fixed, so whether you die a week into the plan, or 60 years into the plan, that is the price you pay. That makes great financial sense!
Is my money safe?
It is of paramount importance to us that your money is kept safe and secure. We only provide plans that are fully compliant with current legislation set out in the ‘Regulated Activities Order’ (Financial Services and Markets Act 2000).
This means that all money invested in our plans is held in trust for the purposes of planning the funeral. There are a number of stipulations in the Act, all of which our plans exceed;
‘More than half the trustees must be unconnected with the provider’
None of the provider’s (or our) Directors or staff are in any way connected with the board of trustees, which is operated independently a trustee company.
‘The trustees must appoint an independent fund manager who is an authorised person who has permission to carry out an activity of the kind specified in article 37 of the RAO, and who is a person who is unconnected with the provider, to manage the assets of the trust.’
All our trusts comply with this.
‘Annual accounts must be prepared and audited by a person who is eligible for appointment as a company auditor under Section 25 of the Companies Act 1989 with respect to the assets and liabilities of the trust.’
All our trusts comply with this and authorised auditors are appointed to audit the accounts annually.
‘The assets and liabilities of the trust must, at least once every three years, be determined, calculated, and verified by an actuary who is a Fellow of the Institute of Actuaries or the Faculty of Actuaries.’
Again, all our plans comply with this legislation.
In summary, all relevant legislation covering prepaid funeral plans, and their underlying Trusts is adhered to. Full details for each funeral plan provider are available on request.
- We have NO age restrictions, and you will not have to undergo a medical or answer any medical questions.
- Your plan can be fully customised to reflect your wishes.
- No obligation home visits are available within a 50 mile radius of Huddersfield
- All monies are held in fully regulated trust funds
- We are not fixed to one provider, so are able to offer the best funeral plan for your circumstances.
Make your enquiry now by completing the form below