The Society of Willwriters (SWW) Trusted Funeral PlanOnce you have made a Will ...It also makes sense to think about your funeral preferences. Putting your funeral wishes in your Will can be helpful to those you leave behind, but quite often a Will is not read until the funeral and not everyone is aware that funeral preferences set out in a Will are not binding upon executors. This means that they do not have to carry out your wishes. Money set aside for a funeral does not have to be spent on the funeral. Although your executors have a duty to carry out the funeral, they are not obliged to spend any money you may have saved for that purpose. Funeral expenses are a first debt upon your estate, but settling your estate may take some time, and the funeral director will expect to be paid long before your executors are in a position to do so. A deposit in a bank or a building society is simply money - it does not guarantee what type of funeral will be provided and it may not be enough to cover the whole cost when the time comes. On the other hand, you may even set aside more than you need to. If you have concerns over specific arrangements for your funeral, whether it be burial or cremation, religious or non-religious preferences, choice of music or donations to a favourite charity in lieu of flowers, it is worth remembering that even though families usually want and very often try to do the right thing for your funeral, they are under no obligation to carry out your wishes. By purchasing a funeral plan, you can ensure that your wishes will be met as everything is arranged in advance. These difficulties can be overcome with a Trusted Funeral Plan from the SWW
A Funeral Plan designed for clients of SWW MembersOur plans provide convenience and security for clients who wish to put their legal and financial affairs in order; simply select the option that suits you best and choose whether to make a single payment or a series of instalments. Once you have paid for your plan, a guarantee will be issued confirming that the services of the funeral director will be provided as specified, when required. Included in the prices of each Plan is a contribution to other funeral expenses, or ‘disbursements,’ such as cemetery or cremation costs and clergy fees if applicable. These amounts are based on national averages and increase regularly in line with inflation so most, if not all, of the essential costs could be covered. As they are outside of the Plans control these costs are not guaranteed. Although the amounts covered are based upon cremation costs they can be put towards a burial instead. Please note that if you require burial, the cost of a grave plot is not included in the Plan price. Combat the Rising Costs of FuneralsMany people wish to provide for their funeral expenses, and The Society of Will Writers Funeral Plan is a caring, sensible and cost-effective way to do so. The advantage of a pre-paid funeral plan is that you can freeze the Funeral Director’s costs at today’s price, beating inflation - no matter when in the future the service may be required. The funeral directors fees have been frozen at the rate when the plan was taken out and will be paid by the plan to your funeral directors at the time of need. The national average cost of a funeral has increased by 90% since 2004The reality facing us all is that the cost of a funeral in the UK has risen by 90% since 2004 and is predicted to continue to rise significantly in the future. By choosing to purchase a Funeral Plan, you can secure the cost of the Funeral Director’s services, at today’s prices, with no more to pay however much they may rise in the future. Our plan provides exceptional security for your money. All of the invested funds are held securely in a whole of life assurance policy to pay for your funeral service. For maximum security, Funeral Plan funds are held in guaranteed whole of life assurance policies with a life assurance company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial conduct Authority (FCA). Funeral plans themselves are not regulated by the PRA or FCA but are regulated by the Funeral Planning Authority. How can I find out more and apply for a plan?To order an Information Pack and an Application Form, please contact us.
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