Pre-paid Funeral Plans

Perfect Choice Pre-paid Funeral Plans

Thinking about your own funeral is never an easy thing to do. However, almost everyone says that once they’ve taken care of these essential arrangements, they feel so much happier and have peace of mind. The fact is there are lots of good reasons to consider a Perfect Choice Funeral Plan. As well as bringing you comfort and reassurance now, it reduces the emotional and financial burden on  your loved ones at a time when they will be distressed enough.
Unlike some of the plans offered by other companies which seem good value at first glance, we don’t make a restriction on the day and time of the service, which they do for their convenience, not the family’s. Also, they can have a smaller contribution included towards the essential ‘third party costs’ which means that there can be a significant shortfall to be made up at the time of the funeral. Do check their ‘small print’ when comparing what is included.

Plan ahead for peace of mind

If you’ve ever had to arrange a funeral for someone you’ll appreciate just how much there is to decide. By taking care of things now you can rest assured that your funeral wishes will be granted.

It makes financial sense

Two of the most common questions asked are “Will my money be safe?” and “Will I get the funeral I would like?” Our reply is a resounding “YES” to both. As a member of the National Association of Funeral Directors (NAFD), we are committed to maintaining the highest standards and adhere to a strict code of practice. The plan we offer is the plan which NAFD believes to represent the most robust and professionally managed pre-payment plan that is available to funeral directors and their customers (2018). A Perfect Choice Funeral Plan gives you exceptional financial security for your money. Every penny of the full value of a Perfect Choice plan (excluding the initial management fee) is held securely in a whole of life assurance policy and ring fenced for your funeral when the time comes. The money is made available to us at the time of need and the funds cannot be used for anything other than your funeral for your peace of mind. Perfect Choice funds are held in guaranteed whole of life assurance policies with a life assurance company that is authorised by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). Funeral plans themselves are not regulated by the PRA and FCA but our funeral plan provider is registered with the Funeral Planning Authority.

Be remembered in the way you wish

Everyone has a different idea about the kind of funeral arrangements they would like. With Perfect Choice you can be sure your funeral wishes will be granted. Almost any request you can think of can be accommodated. Just contact us and we will be happy to take you through the options available and help you make the decisions that are right for you. The following chart illustrates the options included and costs of our three set plans. The plans can be adapted and personalised as required.
The services of your funeral director
Provision of the necessary funeral arrangements
Professional advice on certification and registration of death
Collection of the deceased to the funeral director’s premises (within 10 miles radius)
Care of the deceased until the cremation of burial takes place
A simple coffin × ×
A veneered coffin × ×
A superior veneered coffin × ×
A hearse to convey the deceased to the nearest crematorium
Provision of one limousine for family and friends × ×
Provision of two limousines for family and friends × ×
A contribution towards the fees payable to third parties
An option to view the deceased ×
The collection and administration of charitable donations × ×
Funeral director’s costs £1,650.00 £1,990.00 £2,240.00
Contribution towards third party fees £1,100.00 £1,100.00 £1,100.00
Management fee £220.00 £220.00 £220.00
TOTAL PLAN PRICE £2,970.00 £3,310.00 £3,560.00
If your wish is for burial or you would like to personalise your plan, please call us to discuss your requirements. The prices above are valid until 31 March 2020.

Instalment Payment Prices

Cost of plan (single payment) £2,750.00 £3,090.00 £3,340.00
Management fee £220.00 £220.00 £220.00
Total cost of plan (single payment) £2,970.00 £3,310.00 £3,560.00
12 Monthly Payments
First payment (includes management fee) £449.17 £477.50 £498.33
11 payments of £229.17 £257.50 £278.33
Total amount payable £2,970.04 £3,310.00 £3,559.96
24 Monthly Payments
First payment (includes management fee) £346.50 £362.14 £373.64
23 payments of £126.50 £142.14 £153.64
total amount payable £3,256.00 £3,631.36 £3,907.36
Additional cost of paying by instalments £286.00 £321.36 £347.36
36 Monthly Payments
First payment (includes management fee) £308.00 £318.88 £326.88
35 payments of £88.00 £98.88 £106.88
Total amount payable £3,388.00 £3,779.68 £4,067.68
Additional cost of paying by instalments £418.00 £469.68 £507.68
48 Monthly Payments
First payment (includes management fee) £288.75 £297.25 £303.50
47 payments of £68.75 £77.25 £83.50
Total amount payable £3,520.00 £3,928.00 £4,228.00
Additional cost of paying by instalments £550.00 £618.00 £668.00
60 Monthly Payments
First payment (includes management fee) £277.75 £284.89 £290.14
59 payments of £57.75 £64.89 £70.14
Total amount payable £3,685.00 £4,113.40 £4,428.40
Additional cost of paying by instalments £715.00 £803.40 £868.40
Please note there is an additional cost for paying by instalments over 24, 36, 48 and 60 months as shown. This additional cost is held within the plan and used for the funeral at the time of need. Instalment amounts are calculated to the nearest penny and total prices may vary by a few pence due to rounding. Terms and Conditions and Additional Instalment Payment Terms and Conditions apply – please ask us for a copy or contact us to discuss the options in more detail.

Burial option

If your wish is for burial, we can provide you with a quotation based on your chosen cemetery or churchyard and any other third party costs involved. To discuss a burial option, please call us on 01978 261 764.

The Personal Plan

We also offer a Personal Plan which can be tailored to your specific requirements to include, for example, a particular type of coffin, memorial leaflets, newspaper announcements and flowers. A funeral is a very personal occasion and many people have particular wishes. We can meet you at our premises, or in the comfort of your home, to discuss your wishes, provide guidance and advice and give you a detailed quotation.

Fees payable to third parties

Third party fees in our set plans include a contribution towards crematorium fees, doctor’s fees for statutory cremation certificates and officiant’s fee. Personal plans can include additional third party fees. Whilst we guarantee that the funeral director’s services for your chosen plan will be fully covered no matter how far into the future the plan is carried out, we have no control over increases to third party fees and are therefore unable to guarantee that the contribution towards these third party fees will cover the actual third party costs at the time.
The original capital sum placed in the plan is guaranteed never to decrease in value and the Perfect Choice Funeral Plans management team will look to achieve above inflation growth with the plan fund, but cannot guarantee that any increase in this will be the same as increases in third party fees. If there is a shortfall in the third party fees part of plan fund at the time of carrying out the funeral, then this difference must be covered by the family or the estate.

Management fee

All our funeral plans include a management fee of £220.00 paid to Perfect Choice Funeral Plans. This covers the cost of the setting up and administration of your plan.

The first step… Simply think about the way you would like to be remembered. You may wish to take a little time to discuss it with your family and friends. Chatting things through with those closest to you often makes everything easier and helps make sure they know your thoughts too.
Then… Contact us, we will listen to your thoughts and then make suggestions to develop your plan. As an accredited Perfect Choice funeral director we have lots of experience in helping people plan just the funeral they want and we will be only too pleased to help you. To talk to us or request a brochure call 01978 261764, or alternatively fill out our contact page.