Why Prepay for your funeral?

Most of us don’t like to think about our funerals, or the funerals of those we love. This can mean that loved ones often feel pressure to make important decisions without a true understanding of what the person who has passed away would have wanted and this only adds to the grief and stress being experienced at the time.

Prepaid funerals offer support during this difficult time, as plans are made, and bills are paid before the person passes.

What are prepaid funerals?

Prepaid funerals are paid-for funerals that outline exactly how you’d like your life to be remembered when you pass away. This plan will cover the cost of your funeral.

Not all prepaid funeral plans are the same – and it’s important you choose your funeral director carefully to ensure they deliver on all of their promises. It can be easy to get caught out by plans bought online or from a ‘sales advisor’ who lacks experience, resulting in upset and disappointment.

When prepaying for your funeral with experienced funeral directors, such as Mortons,  you can be reassured as you discuss your options and preferences with a professional. This ensures you get the service you want for your loved ones to remember you by. Your funeral plan will be unique to you and include whatever you have chosen. The details of the funeral will reflect exactly how you’d like to be remembered when you pass away.

Prepaid funerals often offer flexible payment plans. There are payment options to suit almost everyone. You can either pay in one lump sum, monthly over a 12-month period with no interest, or over a period of up to 20 years by direct debit with interest with a Mortons prepaid funeral.

What are the benefits of a prepaid funeral?

Prepaid funerals are relatively new, so you might wonder why you should prepay your funeral now. Here’s a few of the benefits of prepaid funeral plans:

1. Cost

Prices are increasing for most goods and services across the country. Prepaid funerals allow you to pay today’s prices for your funeral, regardless of when you pass, so you can avoid any future price rises. At Mortons, we guarantee there will be no additional charges within the agreed terms, even if prices increase dramatically.

The Golden Charter Trust Fund is the UK’s largest provider of prepaid funeral plans, and funeral directors who use this service don’t receive your money until the funeral has taken place.

2. Your wishes

By prepaying for your funeral, you’ll be able to choose the exact style of funeral you want. You can choose from a selection of funerals, from a non-attended direct cremation through to complete bespoke options. You can include as much or as little detail as you like to ensure your funeral reflects your wishes.

You may want to plan your funeral but are sceptical about prepayment. Although you can communicate your wishes to loved ones and even to your funeral director, without prepayment there is no guarantee that these will be adhered to. If there is anything specific you would like, we advise prepaying, as circumstances can change.

3. Easing stress for loved ones

During the immediate stages of grief, planning a funeral can add an additional layer of stress for your loved ones, at a time when they may not be thinking clearly. With the rising costs of funerals, this can often lead to loved ones either being unable to afford the funeral you would like or spending more than they can afford.

A funeral causes a huge amount of emotional and financial stress for loved ones in an extremely difficult time. By prepaying for your funeral ahead, you can ensure that your loved ones are comforted by decisions already having been made, so they can focus on saying their goodbyes.

Prepaid funerals don’t have to take your loved ones out of the equation entirely, you can involve them as much or as little as you wish, with the help, guidance and support of your chosen funeral directors.

What next?

Prepaid funerals are about giving your loved ones peace of mind during the early stages of grief. They also give you peace of mind before you pass that your life will be remembered how you want it to be.

A Mortons prepaid funeral can offer all of the above and more, with transferable plans even if you relocate to another part of the UK.

If you want to prepay for your funeral, or have a chat about what this could involve, give us a call on 0121 476 9111 to arrange a discussion at your home or in our offices.

Alternatively, visit our Mortons prepaid funerals page for more information.




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0121 476 9111

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Wish to thank all staff at Mortons for being helpful, caring, understanding at my fathers funeral. Used the same director at mums funeral 10 yrs ago so recommend. Made the day a bit easier on a sad day.

Anne Moghraby Rating: 5
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