How to plan a funeral
Arranging a funeral
Because most people tend to avoid the subject of death and funerals, they tend to be generally poorly equipped to make informed decisions when they are bereaved
Consequently, myths abound and most people do not shop around, or question the quotes or advice they receive
Beyond the basic decision of burial or cremation, people may need to consider the technicalities and pit-falls of options such as body donation, burial on private land or at sea.
For those planning ahead, they need to be aware of the costs of making the wrong person their executor, the possible benefits of appointing a power of attorney over their financial and health affairs and why they might consider making a living will (now called advance decisions).
Funeral costs
Many people are worried about costs
The average, basic funeral in the UK now starts at about £3000.
However there are alternatives, some of which can be quite hidden from public view. For example, there are many independent funeral directors who offer a direct cremation or burial service
This pares funerals down to absolute basics and entails the deceased person being collected, placed in a standard coffin and cremated at the funeral directors convenience and choice of crematorium, usually without ceremony
This suits families who want to separate the ceremony from the disposal, by having a memorial service on another day for example, or those who simply have no one or want no one to attend. It gets away from the normal, black funeral and its related expenses. The cost of this direct type of funeral is £995- £1700 depending on location. This price includes all fees
For more proactive families, there is the option of organising a burial or cremation themselves, or asking for just a little help with the more nitty-gritty aspects. Some families even decide to keep the deceased at home and possibly even bury them on their own land. Of course these funerals are, in effect, free
Common myths include that there is some law stating that you have to use a funeral director, that bodies/coffins have to be transported in a hearse, that you have to be embalmed to be viewed, that cremated remains are mixed together and that coffins are reused.
Planning ahead can make financial sense
Paying for funerals in advance is another area that can be complicated
Generally speaking, insurance-based products can be expensive in the long run and may not cover the cost of a funeral; especially if you live for longer than you think! (ironically you will have paid even more over time and the cost of a funeral will probably be far more than the sum insured)
The small print may reveal that any failure with monthly payments, due to infirmity or a banking mix-up, will result in the policy being void!
Funeral plans through a funeral director, invested in a trust are a way of ensuring that at least the funeral directors fees are guaranteed.
Shopping around is very important. Undertakers vary hugely in how they operate, who really owns them, how flexible they are and how much they charge
The Natural Death Centre Charity has been an independent source of advice on all aspects of dying and Funerals for the last 22 years. They run a telephone help line and also have a very informative website.
01962 712690 [email protected]
June 16th, 2015 at 4:40 pm (#)
I think you’re right: pre-planning a funeral is actually quite a good idea. It can help you to make decisions based on reason as opposed to emotion. It’s easy to overspend in the heat of the moment. It’s also a great way to make sure that you’re meeting all the wishes of your loved one. Thanks for sharing!
November 3rd, 2015 at 10:50 pm (#)
It’s definitely disheartening to go through, even if it is necessary. Even planning your funeral home, how it will all be paid, and what responsibilities need to be carried out by which people can change a funeral from hectic into a peaceful procession. It let my family process the pain of losing my grandpa several years ago instead of having the hassle of planning and creating a funeral with little time to spare.