http://funeralplancover.com - Have you thought about taking out funeral insurance for you or for a loved one? Pre-planning is necessary as death may be by natural causes or by accidents. Either way you or your loved ones could be left with debt as a result.
The UK Government operates a Social Fund to cover funeral payments which is supposed to help people pay for a funeral.
However the evidence shows that the scheme is not fit for purpose.
The average cost to cover a funeral in 2004 was £1,920, by 2014 it was £3,609. Statistics reveal an increase in funeral costs of 88% - well above inflation and costs are going up every year.
Funeral insurance will cover all costs associated with a funeral and is paid out promptly. Social Fund is inadequate as the actual cost of a funeral is well above the financial help provided by the scheme. The amount available from the Social Fund has been set for the last 10 years and the processes involved in claiming a grant are confusing and protracted.
Also, research has found that almost 50% of claims are denied by the Government.
Plus the evidence states you won’t qualify for a Funeral Payment if the person who died had a close relative such as a daughter, son, parent, brother or sister, by blood or marriage, of the person who died – or the relative’s partner.
To cover her grandson’s funeral costs a 90 year old grandmother faced the distress of a debt of £1,100 as his assets were deducted from the funeral payment
Without funeral insurance a homeless man died and left his brother, a disabled pensioner, with a debt of £1,930.
This results in making a traumatic time in people’s lives even more difficult. The financial burden is compounded by feelings of guilt that they cannot 'do the best' for their loved ones as they did not have funeral cover insurance.
Planning ahead means all costs met when the time arrives. Pre paid funeral insurance for you and your loved ones will ensure they experience less financial stress. This stress has a profound effect on those who are grieving.
Funeral insurance will save your family expenses and worry, and will help make things easier them at a difficult time.
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