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Funeral Plans in Northam

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While it may not be something you want to think about, it is important to consider your funeral plans to relieve some of the pressure that your family will face when you are gone.

It is no secret that in Northam funeral costs are increasing at a rapid rate, and families may go into debt to give their loved ones the right send-off.

We are an expert funeral plan comparison company who can advise you on the best funeral plan available for you in Northam Devon.

With specialists based throughout Devon we can offer competitive prices and in July 2024 are able to get costs to you very quickly.

Planning a funeral doesn’t have to be stressful, we can help you plan a memorable and unique send-off for your loved ones. Contact us today to start creating a funeral to remember.

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Table of Contents

Why choose us?

Our company works with all forms of funeral plans, and we will help you find the right one for your budget.

We work to compare funeral plans to ensure that no matter what budget you are working with, you can be covered when you need it the most.

There are many kinds of funeral plans and funeral services that you can choose from, which you may not be aware of.

Our company will work closely with you to determine your needs and how much you can afford as a way to narrow down your options when it comes to funeral plans.

There is a lot that goes into buying a funeral plan, and it is something you want to get right to ensure that the payments will be worth it.

As experts in the field, we can guide you through the process and make sure you are getting the best deal for your needs and budget.

With insider knowledge of the industry, we can provide you with all of the details you need to ensure you are making the right choice.

While planning for a funeral is not something we look forward to, it is a good step to take if you want to ensure your family will be debt-free and stress-free following your passing.

To learn more about funeral plans and how you can get the best deal, get in touch with our company today. We will help compare funeral plans to ensure you have all of your needs met.

What is a pre-paid funeral plan?

A funeral plan is a way for you to pay upfront for your funeral, preventing your family from having to face these costs themselves after you have passed away.

A pre-paid funeral plan is a way of paying for everything that is required within the funeral service ahead of time.

Unlike life insurance or funeral insurance, a pre-paid funeral plan ensures that everything required in the funeral has been paid for. Plans can cover everything from the funeral director’s fees to the coffin, cremation costs, or burial costs.

Taking out a prepaid plan is a way of making things easier for your family, and it can ensure that the payout from your life insurance goes elsewhere, such as paying off leftover debts.

What are the benefits of a pre-paid funeral plan?

There are many benefits of a pre-paid funeral plan, some of these include:

Protects your family

When a loved one dies, this is a very vulnerable time for the family, and there is a lot that needs to be dealt with. From obtaining the death certificate to working out the life insurance payments and the will, there is a lot that needs to be organised following death.

Taking out a funeral plan can relieve a lot of this stress and will make things easier for your family. This is the main benefit of a funeral plan and the main motivation for people to take one out for themselves.

During this time of grief and stress, predatory companies may try to take advantage of your family and may rip them off with the funeral services they provide.

As we have mentioned, it is very expensive to organise and host a funeral, and some companies will take advantage of this during your family’s time of need.

With a funeral plan, then do not have to worry about handling the initial costs of your death and can handle their grief away from this stress.

Manageable costs

It is no secret that funeral costs in Northam are continuing to increase, and many people in Northam have faced debt to pay for their relative’s funeral.

Without a plan, these funeral costs tend to go to the next of kin, which is something they may not be prepared for.

As funeral costs in Northam continue to increase, more and more people are looking to take out their own plans instead of relying on funeral insurance. While funeral insurance can cover some of the costs, the funeral cover with a pre-paid plan is much better, and it is possible to pay for everything before you die to take the pressure off your family when that time comes.

With today’s prices, it is always a good idea to look into how you can save on your own funeral, which is why we offer an extensive compare funeral plans service. Paying for a funeral now also protects you from inflation, as the costs of funerals are only going to increase in Northam as time goes on.

Paying for your funeral now through a prepaid plan means you are paying today’s prices for the event instead of the higher costs that are likely coming in the future.

Monthly instalments

Usually, a prepaid plan is covered with monthly payments. This means, that instead of dealing with a high cost at the end of your life, you can cover the costs of a funeral as you pay monthly, which makes things easier to manage.

Paying monthly into prepaid funeral plans is a great way to reduce the costs of organising a funeral, and it can be extremely beneficial to your family.

There are many costs associated with dying, and in most cases, the payouts from life insurance will not be enough to cover these.

Not only do you have to pay for a funeral and the costs associated with this, like the funeral director, but other costs come when a loved one has passed away.

This includes paying for a death certificate, as well as doctors’ fees, a dying report, and other costs from all the services which are involved in a loved one’s passing.

Prepaid funeral plans make it easier for everyone because it ensures that you will have a funeral and that it is already paid for.

Even if you have saved up separately for a funeral following your death, your family may not be able to access this account in time to pay for the funeral fees, which can result in cash flow issues.

Exempt from inheritance tax

The money that goes into pre-paid funeral plans is exempt from inheritance tax, which is good news for people whose estate is liable.

On a similar note, a prepaid funeral plan is also separate from the other money in your accounts that will be assessed should you need care later on in life.

Having your money go into pre-paid funeral plans, instead of having a lump sum in a separate account, protects this money and ensures it goes to all the payments associated with a funeral.

Secured funeral arrangements

With a funeral plan, you can organise how you want your funeral to be run and what you want to happen on this day.

This can make things easier for your family once again as they already know what you want, and you know that you are getting the right send-off.

This is why there are so many funeral plan providers out there, and you can choose them based on the kind of funeral you want. There are funeral plan providers that specialise in burials or cremations, making it easy to tailor your plan to what you need.

Even the cheapest funeral plans allow for customisation so you can have the send-off you deserve.

Bespoke plans

As there are so many funeral services out there, we do the hard work for our customers by providing a funeral plan comparison service.

Burial funerals and cremation funerals will only be cheaper with a prepaid plan if you have been paying into it for a long time. If you are expecting a funeral soon, then this is not the right option for you.

We can compare funeral plans based on your needs and only consider plan providers who are registered with the Funeral Planning Authority to ensure we can offer the best service possible.

If you would like to receive even more information on funeral plans, make sure you get in touch with us today!

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How much does a funeral cost?

The average cost of a funeral in the UK is just over £4,000.

This is the total accumulation of all funeral costs, which includes the payment of funeral directors and their third-party fees, burial plot costs, or cremation fees, as well as other third-party costs like paying for the certification, funeral notices, and more.

You have to pay for everything within a funeral, from the burial plot to cremation fees. It can be a large expense, and even if you have funeral insurance or a life insurance policy, not all of the payments will likely be met with just this alone.

Funeral director fees

One of the highest costs when organising a funeral is the funeral director fees.

Funeral directors support bereaved families throughout the funeral arrangements. The funeral services include a funeral director covering the essential paperwork, as well as the physical work of collecting and looking after the person who has died.

The services offered by funeral directors are very helpful to grieving families and can reduce stress, so they are worth paying for wherever possible.

Most plan providers will include the cost of a funeral director, along with other funeral services, because they can make this whole process easier.

Most standard funeral cover policies, like funeral insurance, will not be able to provide enough money to cover the funeral director’s costs, let alone the other aspects of the funeral that you need to organise.

This is why taking out a prepaid funeral plan is the best option for so many people because this gives you the chance to cover all expenses associated with a funeral which will help your family in their time of need.

What does a pre-paid funeral plan include?

The funeral plan market is vast, and it can be complicated to look through and compare funeral plans based on your needs. Not only do you have to consider the costs of the funeral plan, but also what is covered within the policy.

While you may be tempted to go for the cheapest funeral plans out there, this is not always a good idea. Similar to taking out life insurance or any other insurance policy, you need to look into what you are paying for to ensure it is worth it.

Often the cheapest funeral plans do not cover everything you need and your family may have to pay for funeral costs following your death.

All of the funeral plans we compare and recommend are part of the funeral planning authority (FPA), but this does not mean they all work the same way.

There are many financial services out there, and you need to consider not only what you can afford but also what you are looking for. This requires you to look into the funeral services included in a prepaid plan.

According to the Funeral Planning Authority, there are several categories of funeral plans, and looking into these is a good way to see what is included in your funeral insurance cover.

Basic Prepaid Funeral Plans

These are typically the cheapest plans available from a funeral plan provider and will therefore cover fewer costs than a more expensive policy.

These lower-cost funeral plans are unlikely to cover third-party fees associated with a funeral and will also offer lower contributions to cremation funeral costs and burial fees.

With a basic plan, there is less flexibility in how you want your funeral to run. This means there will be limited choices for the time and date of the funeral, which some funeral plan reviews have claimed can make it difficult for the family to arrange the funeral following death.

Limousines, which traditionally bring the family to the funeral, will not be included in the lower funeral payment options, and there will be limitations on how you can see your loved one in the chapel of rest.

Standard Prepaid Funeral Plans

According to Financial Group Limited, this is one of the most popular kinds of funeral plans, and it certainly is a step up from the basic options offered by most funeral plan providers.

While not all third-party costs will be covered with this kind of plan, more money is given to cover other services as well as higher contributions given for the cremation or burial costs.

Comprehensive Prepaid Funeral Plans

These are the high-end funeral plans which are regulated by the Financial Conduct Authority and cover a lot more than the others mentioned.

Typically, in these kinds of plans, the services include covering the cost of limousines as well as special requests. There is a lot more flexibility allowed with these kinds of funeral plans because they cost more.

To find a good plan provider for these open prepaid funerals, you will need to consider the services included and whether there is room for the kind of service you want.

With this kind of plan, most of the fees associated with a funeral from the notices, burial costs, funeral director’s costs, as well as minister’s fees can be covered.

The plan provider will also allow for more personalisation and flexibility when it comes to your funeral, making it easier for your family to pick the right time and date as well as allowing for more personal touches.

Please note that no matter what kind of funeral plan you choose, there is likely to be a cancellation fee associated with your policy.

Typically, according to funeral plan reviews, there is a grace period where you can cancel the policy, but following this, there will be a cancellation fee.

Can anyone have a funeral plan?

There is a plan provider out there to suit everyone’s needs, but this does not mean that everyone wants to take out a funeral plan.

There are options for those who do not want to take out a funeral plan. Without a plan, the cost of your funeral will go to someone else.

Without a prepaid plan:

As you can see, the best option for most people is to take out a prepaid plan for their funeral as it will save their family a lot of money, as well as prevent additional stress following death.

There are many plan providers out there, and each will offer more than the next, which is why you need to take the time to do your research.

We understand there is a lot of work that goes into finding the right plan for your funeral, which is why we offer a leading comparison service. We operate across Devon and have helped hundreds of clients find the right funeral plan and funeral director for their needs.


At what age can you buy a funeral plan?

With the majority of funeral plan providers, you need to be at least 18 years old to apply although some only accept customers wo are 50 years of age or older.

How many funeral plans can you have?

You will be able to secure as many policies as is necessary to cover all of your financial obligations. While there aren’t any laws regarding the number of policies that you can have, you often won’t be approved by insurers to take out more cover than is deemed required.

What happens if I die before the funeral plan is paid?

If you die before all payments have been paid, your representative will need to pay the rest of the balance.

What happens if your funeral plan company goes bust?

If the funeral director happens to go out of business, the funeral plan company simply appoints another firm to do the job.

Compare Funeral Plans With Us

Our company can help you find the right funeral plan for your budget and needs.

We are experts in the field of funeral plans and have worked closely with the Financial Conduct Authority and other regulators to ensure we are offering the best service to our clients.

Funeral plans are a way to help you prepare for the future funeral costs you will have to deal with, and many people opt for a prepaid funeral plan as this can make things easier for everyone involved.

There is a lot that goes into planning a funeral service, and you can take the pressure off your family by organising funeral insurance with a pre-paid funeral plan.

Even if you already have a life insurance policy taken out for yourself, funeral costs may not be covered in this in July 2024.

This is why we provide a funeral plan comparison service, looking at the various plan providers that are currently available in Northam to help you find the best deal.

Find More Info

Make sure you contact us today for a number of great funeral plan comparison services in South West.

Here are some towns we cover near Northam.

Bideford, Barnstaple, Barking
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