Planning ahead – covering the costs of your own funeral

None of us really wants to think ahead to our own death but the last thing we’d want is for loved ones left behind to be burdened with the financial stress of paying for our funeral.

According to the ‘Annual Cost of Dying’ report 2016 from Sun Life, the cost of a basic funeral has risen for the 13th year in a row and now stands at £3,897. However, the team at Tester & Jones are urging people not to be unduly concerned.

“What these figures do highlight is the benefit of working with an independent funeral provider, such as ourselves, as we offer choice and flexibility,” says Stephen Tester. “We arrange a funeral which reflects that particular person but we also take into account individual budgets.”

Stephen adds that taking out a funeral plan is a practical way of spreading costs and taking away the burden of paying for a funeral for your loved ones…

Golden Charter is the UK’s largest funeral plan provider and is Tester & Jones’ provider of choice. To date, over 400,000 people in the UK have purchased a Golden Charter funeral plan. More than 3000 UK funeral directors accept Golden Charter plans and they are the only ones recommended by the National Society of Allied and Independent Funeral Directors (SAIF) of which Tester & Jones is a member.

A Golden Charter Funeral Plan lets you specify your wishes and take care of the costs at today’s prices. It can help your family avoid difficult decisions and any financial worries over how to pay for the funeral at an already stressful time.

Buying a funeral plan is also an opportunity for you to specify arrangements to reflect your wishes – perhaps opting for a particular coffin or the format of the service.

Golden Charter offers many options for covering the cost. For example, payments can be spread over a 12-month period interest free or, if the plan is taken out by someone under age 50, it can be paid over a 30-year period for as little as £14.78 per month.

There are many advantages of taking out a plan. For instance, putting money into a plan may be beneficial if someone needs to go into care, as with reduced savings, they could possibly get financial assistance from the government.  Also, if someone lives alone and their family is not close by, then it gives them enormous piece of mind to have their wishes written down.

A funeral plan from Golden Charter means you can fix the cost of the funeral director’s services covered by your plan at today’s prices.

“Consideration for others is the most common reason for buying a funeral plan,” says Glenys Jones. “It’s possible to specify every detail of your funeral in advance, selecting the funeral director and taking care of the costs of your funeral as arranged. With costs rising, this is a good time to think about purchasing a pre-paid funeral plan.”


Posted: 16th of September 2017



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Tester & Jones
London Road
East Sussex