Reduce the cost of a funeral through Prepaid Funeral Plans
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Specialising in Scottish Wills & Estate Planning
CALL US ON 01738 700115
DENNIS.GARDENER

Cover the cost of a funeral through a Prepaid Funeral Plan

The cost of a funeral doubles every 8 years and typically has to be paid at a time when the deceased person’s bank accounts are frozen, adding to the family’s stress at a very emotional time.

With green issues relating to both cremation and burial adding to the cost of even a modest service, funeral directors throughout Scotland confirm the rate of increase will only accelerate further.  It is estimated that direct funeral costs will have risen to just under £6,000 by 2021.

Funeral costs have risen 11 years on the trot and 90% since 2004.

41% of people had made no financial provision for their funeral and in 50% of those cases family had to borrow money to cover costs.


In my experience, a family's biggest concern at their time of loss is the fear of not having done what their deceased loved one would have wished.  This situation can be avoided if you arrange the funeral in advance. From big decisions (such as the type of burial) to the small ones (such as whether you would prefer flowers or donations to charity), getting your wishes in writing will give you and your family peace of mind that every aspect of your funeral will be as you would want on the day. I work with funeral-planning companies throughout the UK to help design and pay for prepaid funerals according to my clients' wishes.

With a prepaid funeral plan in place you can relax, knowing that your funeral will not leave your family possibly facing debts after you have passed away. 

Prepaid funeral plans are calculated at today's prices, with any shortfall being the responsibility of the insurer/trustees. You can create a plan for roughly the price of a loaf of bread per day, paid over several years.  If you choose to pay over one or two years, it’s interest-free. Alternatively, you can buy a funeral plan with a single payment.

Your money is held in trust, rather than with an individual funeral director.  This allows you maximum flexibility in case you move out of the area, or the firm changes owner or goes out of business.

I have tremendous confidence in prepaid funeral plans and have benefited from them myself. Both my parents lived hundreds of miles away from me and my sister.  Years ago they made plans outlining the very different funerals they both wished.  After they passed away, one phone call was all that was needed to get the funeral planning underway, without having to do all the work myself – and at a cost saving of 2/3 off the price at the time! 

My parents’ foresight freed us to mourn their passing, rather than being forced into making quick decisions at a vulnerable time, getting overwhelmed by paperwork and paying hefty funeral bills that we had not anticipated. I will always be grateful to them for taking the time to plan their funerals.

Funeral plans don’t just cover conventional funerals.  They can be set up for all types of burial: woodland sites, motorcycle hearses, eco or alternative coffins, burials at sea, with humanist or religious services or with no service at all.

This firm complies with the ISPW Code of Practice.

  •  "Dennis Gardener was polite, respectful, discreet, informative and efficient. He provided me with excellent guidance and advice with regards to my will and Power of Attorney . He is a professional in every sense of the word. I would not hesitate to recommend" 

    Sheena Wright
  •  "We were given very detailed guidance on all aspects which we felt we needed to do in a way which was easily understood. At all times we felt completely at ease and able to ask questions as they arose. We were impressed at how quickly things fell into place as it is obviously a big subject. A very professional job! Thank you." 

    Mr N Wells and Mrs A Wells
  • "Dennis Gardener was polite, respectful, discreet, informative and efficient. He provided me with excellent guidance and advice with regards to my will and Power of Attorney . He is a professional in every sense of the word. I would not hesitate to recommend"

    Frederick Rainey