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Prepaid Funeral Plans

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Pre-paid and pre-planned funerals

At Cosmopolitan Funeral Services we offer a service that allows you to plan ahead. Pre-planning a funeral is one area of financial planning that most people don’t want to think about, particularly when they are healthy and enjoying life.

But we plan ahead for just about every other financial possibility in life to ensure that our loved ones are protected. We take out life and health insurance, we put money aside for retirement and most of us have made a will. Pre-planning a funeral is just as easy as any other financial arrangement. A pre-planned funeral can protect your loved ones emotionally as well as financially, and will provide you with peace of mind in knowing that your affairs are in order.

When you pre-plan a funeral, you choose the type and style of funeral service that you want with Cosmopolitan Funeral Services.

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Some of the details you will need to consider when pre-planning a funeral include:

  • Do you prefer a burial or cremation?

  • What is your preferred cemetery or crematorium?

  • What will be the wishes of your family?

  • Are there any special features you would like to include in the service, such as a poem or special piece of music?

  • • What type death notices, mourning vehicles and flowers would you choose?

  • Would you prefer donations to a charity rather than flowers?

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What are the benefits of a pre-paid funeral plan

  • You can protect your family from the distress of making difficult decisions at an emotional time.

  • Your family will be relieved from any financial burden.

  • It makes good financial sense. By making all of your choices now, you can fix the price of your funeral at today’s costs.

  • You can ensure that your exact wishes are made known and are carried out.

  • Pre-paying means real peace of mind for you and your family.

  • You may be able to maximise your pension entitlement. According to current legislation, money paid into the plan is not subject to the income or assets test or the deemed earnings rule.

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A pre-paid funeral plan allows you to purchase your chosen funeral service at today’s prices. After you have planned your funeral, you can choose to pre-pay to ensure that it will be conducted exactly as you have requested and at an agreed price. Once you have decided on your funeral, we will provide you with a Pre-Paid Funeral Plan Contract as a guarantee. There are two ways to make payments: you can pay for your pre-paid funeral plan in a lump sum, or your Funeral Director may give you the option to pay by instalments.

One of the many advantages of our prepaid funerals is that they can be heavily customised to suit your particular needs. Although we have a number of standard prepaid funeral packages, we understand that people often have very individual preferences. So whether you’re considering cremation funeral plans, burial funeral plans, or need your service to adhere to a particular tradition, we will work with you to create an appropriate package. We can even arrange repatriation if necessary. Just get in touch with us to find out more.

People largely opt for prepaid funerals to provide peace of mind for their friends and family. The passing of a loved one is a fraught time emotionally, but having funeral expenses taken care of in advance means that there’s one less thing for those left behind to worry about.
When you opt for prepaid funeral services, you have agreed on a specific package and type of service in advance and then paid ahead of time, whether in full or via instalments. By contrast, funeral insurance is based on making ongoing payments for a policy that will pay out a predetermined amount of money upon your death. Both have their advantages and can be effective ways to cover funeral costs, depending on your financial circumstances. However, opting for prepaid funeral expenses means that your costs will be fully covered in the event of your death, whereas there can sometimes be a shortfall for your estate to make up with funeral insurance.
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