Monthly funeral plans

Monthly funeral plans are a popular choice as it means you can spread the expense over time. With the cost of funerals rising, taking out a funeral plan now means you can avoid these increasing costs.

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Why choose a monthly funeral plan?

Paying for your funeral through monthly funeral plan can be the most convenient option. Many people choose to pay by this method because it means they won’t have to make one large lump sum payment. With the average cost of a funeral at approximately £4,000 (SunLife Cost of Dying Report, 2017), this can be a huge amount to pay out at once. However, if you can afford to and would prefer to do it this way, single payment options are available.

Benefits of a monthly payment plan

There are a number of benefits to choosing a monthly payment plan over a single payment:

Spread the costs over time

A monthly instalment plan allows you to spread the cost over time. You can choose the length of time to pay for your monthly funeral plan, whether this is over a period of 12 months or up to 10 years.

No extra charges for shorter plans

Some funeral plan providers charge extra for any monthly payment plans. Through our provider Safe Hands, plans over a 12 or 24 month period don’t include an instalment handling charge. This means that the cost of your funeral will be the same as making a single payment, but the cost will be over a series of months.

What will your monthly funeral plan include?

Whichever payment method you choose, your funeral plan can be exactly as you decide. Once you have made all of your monthly instalments, you will be covered for all funeral services. This will be paid directly to the funeral directors when you die. and will take into consideration your cremation or burial plans.

There is an allowance for third party costs such as your cremation or burial plans. But you should be aware that anything over this allowance will need to be met.

Cancellation policy

If you decide to cancel your plan, you will have 30 days from purchase to receive a full refund. After this time there will be a cancellation fee.

Find the right plan for you

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At Clever Mortgages we can offer you the support and advice required to ensure you get the right mortgage for your first home.  We provide access to a comprehensive range of mortgages from across the market. We are also authorised and regulated by the Financial Conduct Authority (FCA) and adhere to the Treating Customers Fairly (TCF) guidelines, so you can be confident that we will treat you with integrity and only recommend products that meet your needs.

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