Traditional funeral plan
Attended | With ceremony | 1 family car
What is a Traditional funeral plan?
A funeral plan from the Traditional range covers all the funeral director’s services to arrange and conduct the funeral ceremony at the crematorium or place of burial, attended by an unrestricted number of family and friends.
This type of funeral plan is perfect for you if you’re looking for a send-off with all the ceremonial extras, including a basic or standard quality coffin, and one chauffeur-driven car to ensure loved ones don't have to worry about getting themselves to the funeral on time and arrive there safely.
Pros and Cons of a Traditional Funeral Plan
When a Traditional funeral plan may be right for you
When a Traditional funeral plan may not be right for you
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How much does a Traditional funeral plan cost?
Traditional prepaid funeral plans start from £2,89 if paying in a single lump sum. (Price excludes third-party cremation or burial fees). Other variations of Traditional funeral plans and ways to spread the cost are available.
There are three factors that will affect the cost of a funeral plan and that you need to pay close attention to.
3rd party cremation or burial fees
A funeral plan will have one of three levels of cremation or burial fees cover: ‘Fully guaranteed’ (no more to pay), ‘Contribution’ **(may have more to pay), and ‘No contribution’. Any shortfall will need to be paid at the time of the funeral by your representative.
The more third-party fees cover you have, the more you will pay for the plan.
Tailoring your funeral plan
Some plan providers allow you to make changes, e.g. upgrade the motor hearse for a horse-drawn hearse. Tailoring might be a cheaper solution than choosing the next level of funeral plan up, but may not provide the best overall value.
Get in touch if you would prefer to chat through your options.
Spreading the cost
Your options include paying in a single lump sum, monthly instalments, or lower fixed monthly payments which are payable for life or up to a specified age, e.g. 90.
Lower monthly payments are attractive, but you should be aware that you could end up paying more into the funeral plan than the funeral is eventually worth.
What does a Traditional funeral plan include?
Before the funeral
On the day
After the funeral
What funeral plans don't include
It’s important to be aware of the things that aren’t commonly included in a funeral plan so that you can make financial provision for them if you want to, either as a contribution* amount in your funeral plan (if allowed) or by some other means, such as a savings account.
* Other exclusions may apply. Read your plan provider's terms and conditions.
Types of prepaid funeral plans
Funeral plans fall into six categories, catering for all preferences and budgets. They range from the lowest-cost, no frills direct cremation service with no funeral ceremony and no family and friends present, to the 'bells and whistles' type of funeral that has all the ceremonial extras and no restriction on the number of people who can attend.
Explore your options through these simple guides, or jump straight in and compare now. It will only take a minute to answer the vital questions that will find the perfect funeral plan for you.
* Source: SunLife Cost of Dying 2020. The average price of a UK cremation and burial funeral in 2019 was £4,417. The cost is expected to rise to £5,285 by 2024.