Thinking about your own funeral is never an easy thing to do. However, it can be comforting and reassuring to know that you've taken care of these arrangements, which is sure to provide financial and practical help for your loved ones at an already distressing time.
Anyone can take out a Perfect Choice Funeral Plan,there's no upper age limit and no medical or health questions to answer. Once you've taken out a Plan, all of the funeral director's costs will be covered. The Plan also includes third party costs (known as disbursements), such as crematorium, clergy and doctor's fees.
These disbursement payments are also guaranteed so if for example the Cremation fees increase there is no more to pay, not all pre-payment plans offer this peace of mind.
Some tips and a note of caution; many new people have recently entered the funeral plan market, many are purely salesmen or saleswomen.
They are not funeral directors, they do not have the knowledge an established funeral director will have.
Check their credentials, be very careful who you entrust your money to, if they say the funeral is all paid for check in the small print that it is, not only that the Funeral Directors fees that are guaranteed - but the third party fees, the Crematorium, minister, Doctors fees, are covered as well.
If this is not totaly transparent - ask questions!