Prepaid funeral plans – In partnership with Westerleigh Funeral Plans
A funeral plan is a way to organise and pay for your funeral in advance, ensuring your wishes are respected while easing the burden on your loved ones.
Funeral plans protect against rising costs as the price you pay is fixed for all guaranteed services, no matter how much they go up in the future. By paying now, could save your family significant expense. You also lessen the worry of arranging and paying for a funeral at a difficult time.
At Moss Funeral Directors, we work in partnership with Westerleigh Funeral Plans to bring funeral plans to our local community. There are a range of plans available, designed to suit you and your family, to say goodbye your way.
With over 30 years’ experience, caring for over 74,000 families per year, Westerleigh Group are the UK’s largest cremation provider. Their partnership with local funeral directors like us ensures our families receive the exceptional care they deserve, when it matters most. For more information please visit westerleighfuneralplans.co.uk
By choosing a funeral plan, you’re making a thoughtful decision that allows your family to focus on the memories instead of the logistics and costs of a funeral.
Whether you’d like a full service with a procession and hearse, a simpler attended service or a direct cremation, we have a funeral plan to suit you.
• Attended funeral service plans start from as little as £2,499
• Services are held close to home in your local Westerleigh Crematoria, so your friends and family can attend
• Working with Moss Funeral Directors your plan can be personalised by adding additional services to meet your needs
• Your money is safeguarded in an independent trust and protected by the Financial Services Compensation Scheme
• Your plan is guaranteed, bringing you peace of mind now, and reducing the worry of arranging a funeral for those you leave behind
• The price for all guaranteed services is fixed, saving your family from future increases
Call or visit us today to pick up a guide and arrange a call to discuss your options with Westerleigh Funeral Plans.
Moss Funeral Directors is an introducer appointed representative of Westerleigh Funeral Plans (a trading style of Distinct Funeral Plans Limited) which is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 965289. Registered in England No. 13366327. Registered office: Head Office Westerleigh Crematorium, Westerleigh Road, Westerleigh, Bristol, BS37 8QP. Part of the Westerleigh Group.
Pre-Paid Funeral Plans In partnership with Westerleigh Funeral Plans.
Pre-Funding Options Faqs
Who pays for the funeral?
In some cases, the deceased individual may have already made arrangements to cover their funeral expenses. In such instances, the executor of the estate assumes responsibility for settling the funeral bill.
The deceased may have allocated funds within their estate to cover funeral expenses, typically through savings or investments. Alternatively, they might have opted for a pre-paid funeral plan or maintained a life insurance policy that includes coverage for funeral costs.
Certain employers offer death benefits, providing a fixed sum in the event of an employee’s passing, which could be utilized to cover funeral expenses.
If no prior arrangements have been made, it’s common for a relative or friend to cover the funeral costs initially. However, they are eligible to seek reimbursement from the deceased individual’s estate if sufficient funds are available.
What happens if you can’t afford a funeral?
If the deceased’s estate lacks sufficient funds to cover funeral expenses, or if there are no available relatives or friends to arrange the funeral, the local council or hospital can organize a Public Health Funeral.
Typically, these funerals involve cremation, with the local council determining the time and date of the service. While attendance is permitted, additional features such as flowers, transportation, or newspaper notices are not included.
If you’re receiving certain benefits, you may also qualify to apply for a Funeral Expenses Payment from the government, which can assist in covering funeral costs.
Funeral Expenses Payment
Funeral Expenses Payment is a government scheme for people on a low income who are receiving certain benefits to help them pay for a funeral.
If you get one of these payments, you’ll usually have to pay the government back from any money you get from the person’s estate, such as their savings.
It won’t cover the whole funeral bill, so you might have to pay up to a third of the cost of a simple funeral.
It can help to pay for:
- death certificates or other documents
- cremation fees, including the cost of the doctor’s certificate
- travel to arrange or go to the funeral
- the cost of moving the body within the UK, if it’s being moved more than 50 miles
- burial fees for a particular plot
- you can also get up to £1,000 for any other funeral expenses, such as funeral director’s fees, flowers or the coffin.
Who gets it?
If you’re getting one or more of the following qualifying benefits:
- Income Support
- Housing Benefit
- the disability or severe disability element of Working Tax Credit
- Pension Credit
- Universal Credit
- Child Tax Credit
- income-based Jobseeker’s Allowance
- income-related Employment and Support Allowance.
Rules on your relationship with the person who died
The Funeral Expenses Payment is also subject to the relationship you had with the person who died. To qualify, you must have been one of the following:
- the partner, close friend or relative of the person who died
- the parent of a baby stillborn after 24 weeks of pregnancy
- the parent of a child who has died who was under 16, or under 20 and in full-time approved education.
For the purposes of claiming a funeral payment, you’re a close relative if you were:
- the parent, father-in-law, mother-in-law or step-parent
- the son, son-in-law, step-son or step-son-in-law
- the daughter, daughter-in-law, step-daughter or step-daughter-in-law
- the brother or brother-in-law l sister or sister-in-law.
The person who died is your partner if you:
- lived with them and they were your husband, wife or civil partner or lived with them as if you were a married couple
- lived with them as if you were a married couple immediately before you or they went to live in a care home
- were a married couple or civil partners and living in the same care home
- were living together as if you were a married couple in the same care home before your partner died.
How do I claim?
You have six months from the date of the funeral to make a claim.
For more information on eligibility and how to apply claim this benefit, go to GOV.UK(Opens