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Pre-paid funerals
Some people choose to pay for their own funeral in advance with a pre-paid plan - this gives the opportunity to select the type of arrangements you would like.
If you are arranging a funeral, try to find out if the deceased had made any such arrangements.
If you are buying a pre-paid funeral plan for yourself read the contract very carefully. The contract terms must be fair and not put you at a significant disadvantage in relation to the plan provider - if you are in doubt about any terms get advice from:
In addition:
- check what the contract covers and what it doesn't;
- find out what should happen after you die and leave appropriate instructions with your solicitor or next of kin, as an incorrect decision could cause problems;
- shop around, and check whether a plan provider is a member of one of the trade associations who are members of the Funeral Ombudsman Scheme.
You might also ask other useful questions, such as:
- what happens if you die before payments are completed?
- what happens if you chose a funeral director who goes out of business?
- how is your money protected over the years?
- what happens to the money you have paid if relatives do not know of the pre-paid plan and organise the funeral independently?
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