More Choice. We all know that buying a prepaid funeral plan is a great way to plan ahead, save money and remove any pain or stress you and your family may have about spiralling funeral costs. You can trust me to ensure that you get the best plan for both your needs and budget and we look at all the different providers, rather than just one company.
We know that Funeral costs are rising every year. It's well documented in the press. But with so many different providers it's 'difficult' to know exactly which one is best. That's where I help.
Mr A Minor
"I have recently purchased a Funeral Plan through Mary and would like to say that she dealt with what can be a difficult subject for most people in a friendly but very professional manner. I felt completely at ease discussing my funeral requirements with her and was given several options from which to choose. She has kept in touch with me throughout the course of the purchase and has advised on other concerns pertinent to me. Thank you Mary."
Pre paid funeral plan advisors are often constrained to a single supplier. This means you wont get impartial advice, and you could up spending more money on benefits and features that you won't use. Before your appointment, ask them if they are independent and if they have access to lots of different plan providers? If not, be mindful that there are other pre paid funeral companies on the market who might have a better product offering for you.
Often pre paid funeral plan advisors have a portfolio of products that they try and sell to you (namely Wills & Trusts), because it's in their financial interests (not yours). Because I only specialise in funeral plans, you have peace of mind that I will only give you advice about funeral plans. I can of course recommend other reputable companies who will happily provide other services, if you need assistance in other legal & financial areas.
"Mary helped me to choose the best plan for my budget. She was really helpful and explained everything thoroughly. I would heartily recommend her."
“We wanted to relieve the burden of any potential debt for our children together with gaining peace of mind about our 'affairs' and we were advised to contact Mary Meacham an Independent PrePaid Funeral Plan Consultant. Mary visited with us at our home and made us feel at ease as to the processes of a funeral and all the associated fees, which was an eye-opener. Mary then went through in detail, what is available and how they work from a variety of providers. The process was made easy and we signed up for one of the plans which was appropriate to us. There was no pressure, just honest and open assistance. We have no hesitation in recommending Mary Meacham for making the process understandable and friendly.”
Whereas life cover insurance companies are unlikely to accept you if you have a medical condition, funeral plans are completely different because they know we are all going to die at some point. So it doesn't matter if you have an existing condition, you will still be accepted.
With a whole of life policy, you keep paying until you die. Imagine if you live for another 30 years, how much life insurance you will have paid? This may quite often be considerably more than a pre paid funeral plan. With whole of life of life policies, if at any point you cease payment, your policy would lapse, cover would stop and you would lose all money invested to that point.
With pre paid funeral plans, the costs are fixed and you can either pay upfront or in instalments for an agreed number of years.
No. Funeral plans can be purchased by anyone over the age of 18. The earlier you buy your funeral plan the cheaper it will be. If you wait 10 years from now, then expect pre paid plans to be considerably higher because funeral costs rise at an average rate of 8% per annum.
Yes, with pre paid funeral plans every effort will be made to allocate your plan to your specified funeral director.