Pre-paid funeral plans are increasingly popular amongst the over-50s, and making the choice to plan for the inevitable is a practical decision, not an emotional one.
In Scotland, the legal responsibility of arranging and paying for a funeral will fall to your next of kin. For many families this adds extra worry at what is already a difficult time.
Plus, with funeral costs rising, it’s worth considering how you can alleviate that stress.
Purchasing a pre-paid funeral plan is a way to ease the financial and emotional burden on those you leave behind.
How it works
At Fosters Motherwell, experienced funeral arranger Julie is on hand to help you record your final wishes and can explain the options available for pre-paid funeral plans. With a Fosters triple guaranteed plan, payment can be made in one single payment or in smaller monthly instalments.
Julie explains: “Customers say that recording their final wishes with me feels practical and reassuring. It gives them peace of mind and is one less thing to worry about.
“Knowing everything is taken care of means they can get on with enjoying time with the people who mean the most, especially their grandkids.”
“Our choice of plans fit an individual’s needs and budget and range from direct cremation to a more traditional funeral service with a hearse and limousine and personalised touches like specific flowers or choice of music,” adds Julie.
“Ultimately it’s a very personal decision.
“I record every little detail to really personalise a final farewell. It could be a choice of outfit, or ensuring a specific photograph is on the cover of the Order of Service. I love listening to a person talk about their life.
“Of course, funeral planning is a serious topic, but we usually enjoy a wee blether too.
“I’d encourage you to bring a relative or friend with you to the appointment as it’s reassuring for your family to be aware of the details of your plan and final wishes.”
Here are some points to consider when purchasing a pre-paid funeral plan:
What is a pre-paid funeral plan?
Popular with the over-50s, a pre-paid funeral plan records all of your personal preferences for your funeral. It’s paid for in advance, either in a one-off payment or in smaller monthly instalments. This means that your family won’t be hit with a hefty funeral bill when you pass away.
What’s included in a plan?
A Fosters pre-paid funeral plan includes the essential services provided by a funeral director such as care of the deceased, support for your family, and arranging and conducting the service.
Additional costs (known as third party costs) such as a celebrant or flower arrangements are not covered within the plan, however the plan allows you to make a financial contribution to these things.
Why buy a plan now?
Buying a plan now locks in today’s prices and the guaranteed services provided are protected against rising costs in the years ahead.
Fosters customers have peace of mind knowing that their money is being looked after by one of the oldest and most trusted life assurance companies in Scotland.
What’s more, if you’re aged between 50-75, Fosters are guaranteed to accept you for a plan without any health or lifestyle questions.
Who to Purchase a Plan From?
Purchasing a pre-paid funeral plan from a funeral director, rather than a financial adviser makes practical sense. Looking after bereaved families 365 days a year, Fosters Motherwell are part of the local community and have established strong relationships with local clergy, celebrants and florists to ensure everything runs smoothly.
Appointments are now available at Fosters Motherwell which is located opposite Primark in Motherwell Shopping Centre. The kettle is always on, and Julie is available to answer all your questions.
Learn more about pre-paid funeral plans by requesting a brochure from Fosters. Call 01698 594 016 or visit www.FostersFuneralDirectors.com/Motherwell