Funeral Plans | Wills and Trusts Cheshire | A Family Law Firm with over 20 years experience

A Funeral Plan is an easy way to pre-arrange the funeral you want, and pay for the funeral director’s services at today’s prices. A plan can help save your family worry and expense, helping make things easier for your loved ones when the time comes.

Pros of funeral plans
Although not for everyone, there are many pros to getting a prepaid funeral plan. Buying in advance can help stop your family from being ripped off when in distress. Buying a plan in advance, when the purchase can be made in what’s presumably a calmer, more rational state of mind, will take the pressure off your family financially and emotionally when the time comes to arrange your funeral.

It avoids cash-flow problems at a time of need. If you can afford the premiums now, funeral plans can help cash-flow problems for your family in bereavement. Even if you’ve set aside funeral money, your family may not be able to access it in time to pay the bills if they have to wait for it due to legal process.

Prepaid plans are exempt from inheritance tax and may not count in care home assessments. Money towards a funeral plan is exempt from inheritance tax, which is helpful if your estate is liable.

Another bonus of buying a plan rather than putting the money aside in a savings account is that your council might not count it if you’re assessed for help towards care costs. However, if you’re making this move to bring your money below a trigger threshold, it’s important to check what savings limits your council sets.

A prepaid funeral plan could be good if you’re in or moving to an expensive area. Some large funeral plan providers have priced their packages, particularly for cremations, to work across big swathes of the UK. So if you’re in a location where funerals are pricey, you could make a saving buying a plan from a big national company.

Some plans may pay out even if not all premiums are paid. Some providers will carry out a funeral even if the plan purchaser only paid the premiums for a year before they died.


All funeral plan clients can have a  free will and half price power of attorney.

To find out more about our Funeral Plans service, please contact Wills and Trusts Cheshire on: 07540 063277

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