Funeral Plans

Advantages of our Pre-Paid Plan

Why should we think about paying for our own funeral?

"Most of us, as we get older, expect to provide the money to meet our funeral expenses. We're not morbid. It's to do with independence and responsibility. Leaving everything in order for our relatives and friends. We don't often talk about it - because there's no need to - but the fact is that funerals cost money, and we want to take care of the cost."

Many people wish to provide for their funeral expenses and a funeral prepayment plan is a caring, sensible and cost-effective way to do so. The advantage of a Colin Fisher prepayment plan over a savings account or life insurance policy is that you can pay now, at today's price, and beat inflation - no matter when the service might be required. Our fees will be paid by Funeral Planning Trust at the time of the funeral.

"...pay now, at today's price, and beat inflation – no matter when the service might be required..."

Funeral prepayment plans are provided by Golden Charter in association with a network of independent Funeral Directors throughout the UK. Funeral Prepayments are held in a Funeral Trust with professional actuaries and investment managers and an independent custodian trustee.

The advantages of a Colin Fisher Pre-payment Plan

  • You can choose your own funeral arrangements, for your own peace of mind
  • You will save your family from having to make difficult decisions, trying to guess what you would have wanted, at such a distressing time
  • All options are clearly specified with fixed prices - or you can choose a personalised plan with every detail exactly as you want it
  • Avoid rising funeral costs with an inflation-proof guarantee
  • Financial security - the payment is held in a Trust until it is needed
  • The service will be provided by Colin Fisher Funeral Directors
  • There is no age limit and there are no awkward health questions
  • You can make a once-only payment or pay by monthly instalments - whichever suits you
  • You can cancel your plan if you are not satisfied

Disbursements

Each plan includes a contribution towards other expenses, such as burial or cremation fees, minister's fees etc. - these fees are known as "disbursements". This is intended to cover most if not all of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed. The amount included for disbursements will be increased annually in line with the Retail Prices Index. You can include a larger (or smaller) contribution towards disbursements if you wish - please ask if you need advice on this point.

Choosing is easy - just select a plan and note any special wishes on the application form, or discuss a fully personalised option with us, to meet your exact requirements.

Plan Options

All Plans prices currently includes a contribution towards other expenses or "disbursements" and Administration Costs.

The Simple Way Funeral Plan - £3,250.00

For those of you who wish a simple straightforward funeral covering all the essentials.

  • The funeral director's services
  • Attending to all necessary funeral arrangements
  • Advice on the Certification and Registration of Death, and related documentation
  • A Simple Coffin, suitable for burial or cremation
  • Local conveyance of the deceased from the place of death within mainland UK to a suitable resting place within 15 miles
  • The care of the deceased prior to burial or cremation
  • The provision of a hearse to a local cemetery or crematorium
  • Cremation or burial where locally available
  • Fees payable to doctors and clergy
  • Viewing and other services are available at additional cost
  • Each plan also includes an allowance to cover the third party costs that are not within your funeral director’s control. These include the fees for the crematorium, doctors and clergy. Only if these costs were to increase more than the growth of the plan might there be a balance to pay at the time of the funeral

The Traditional Way Funeral Plan - £3,595.00

For those of you who wish a more traditional approach; including a high quality coffin, the use of a chapel of rest, and transport provision for close relatives or friends.

  • The funeral director's services
  • Attending to all necessary funeral arrangements
  • Advice on the Certification and Registration of Death, and related documentation
  • A Simple Coffin, suitable for burial or cremation
  • Local conveyance of the deceased from the place of death within mainland UK to a suitable resting place within 15 miles
  • The care of the deceased prior to burial or cremation
  • The provision of a hearse to a local cemetery or crematorium
  • Cremation or burial where locally available
  • Fees payable to doctors and clergy
  • The use of a chapel of rest, or rest rooms and service rooms, or the conveyance of the deceased to a suitable location for viewing arrangements
  • Each plan also includes an allowance to cover the third party costs that are not within your funeral director’s control. These include the fees for the crematorium, doctors and clergy. Only if these costs were to increase more than the growth of the plan might there be a balance to pay at the time of the funeral

The Exclusive Way Funeral Plan - £3,945.00

For those of you who wish to cover all aspects of the funeral, including a superior coffin, additional transport provision for relatives or friends, and a full listing of floral tributes.

  • The funeral director's services
  • Attending to all necessary funeral arrangements
  • Advice on the Certification and Registration of Death, and related documentation
  • Provision of a Superior Coffin
  • Local conveyance of the deceased from the place of death within mainland UK to a suitable resting place within 15 miles
  • The care of the deceased prior to burial or cremation
  • The use of a chapel of rest, or rest rooms and service rooms, or the conveyance of the deceased to a suitable location for viewing arrangements
  • The provision of a hearse and two limousines for the service at a local church, cemetery or crematorium
  • A full listing of floral tributes
  • Confidential advice concerning social and personal matters
  • Cremation or burial where locally available
  • Fees payable to doctors and clergy
  • Each plan also includes an allowance to cover the third party costs that are not within your funeral director’s control. These include the fees for the crematorium, doctors and clergy. Only if these costs were to increase more than the growth of the plan might there be a balance to pay at the time of the funeral

Pre Paid Payment Options

A Pre-Paid Funeral Plan can be paid for in full straight away, preferably by a cheque payable to 'GOLDEN CHARTER TRUST'.

Alternatively, you may wish to pay for the plan by monthly instalments.

It usually costs more to pay for a plan by instalments because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part-paid.

FAQs

 

Q. How do I know the money will be safe? A. All payments are made directly into Funeral Planning Trust, a national fund which exists specifically to provide for funeral costs, with an independent custodian trustee. The accounts of Funeral Planning Trust are monitored annually by independent actuaries and checked by independent auditors. The payment for the funeral can only be withdrawn from Funeral Planning Trust when the service has been provided or if the plan is cancelled.

Q. What if the cost of funerals increases? A. Funerals are affected by inflation and the cost of a funeral will almost certainly increase before you need one. However once you have purchased a prepayment plan the funeral specified will be provided for you when it is needed, without any further charge to you or your family. This is one of the most important benefits and why it has become so popular with our clients in recent years.

Q. Do you pay interest? A. No. A guaranteed funeral plan is not a savings account - it is simply a way of paying in advance for the funeral service. As the value of the Funeral Planning Trust increases over the years, so the money available to pay the Funeral Director will increase to compensate for rising costs. But as far as you, the customer, is concerned the specified funeral is already paid for

Q. Can I pay by instalments? A. Yes, there are a range of options - please ask for details. Payment by instalments usually costs more than a single payment because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part-paid.

Q. Is there an age limit or health restrictions? A. No - you can purchase a plan at any age and in any state of health, but please see the note on instalments above.

Q. What if I die away from home? A. We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively we can quote for the extra cost involved.

Q. What if I move home? A. If you move Funeral Planning Services can transfer your plan to a Funeral Director in that area. Funeral costs vary from one area to another and you will be advised of any difference in cost at that stage.

Q. Can I buy a plan for someone else? A. Yes please mention this on your application - we will need the name, address and year of birth of the person to be covered but we will send all correspondence to you.

Q. What if I change my mind later? A. If you change your mind within the first month of receiving your plan documents you can return them for a full refund - with no questions asked. If you cancel your plan at a later date, your refund will be subject to an administration charge (please refer to the terms of sale).

 

 

 

 

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Orpington Branch

Colin Fisher Funeral Directors,
109 Cotmandene Crescent,
Orpington, Kent,
BR5 2RB

Telephone

020 8300 3700 or 07939 122424

Immediate personal attention available, 24 hours a day by telephone.

Opening Times

Our service is available 24 hours a day