Funeral Plans

How to pay for your funeral in advance

Making arrangements for you own funeral plans isn’t something we usually consider and we try not to think about too much, however as the years go by and we realise that we aren’t, after all, going to be the first person in history to duck under the radar of the Grim Reaper, it feels more and more acceptable and sensible to make funeral plan arrangements.

older woman planning funeral arrangements

Be prepared

Your end-of-life plan needs to include in detail the following:

A will including the allocation of your wealth and your personal possessions plus final instructions and directions to those who will have to settle your affairs when you’ve passed away. Rowland Brothers provide a free will writing service via our own in house qualified advisor.

Inheritance planning including property protection trusts – how to protect your hard earned wealth for your loved ones.

Lasting powers of attorney – Who will speak and act for you when you can no longer do so for yourself – If you have an illness, you may wish to consider where you die.

Funeral Plan arrangements – burial or cremation wishes, your funeral ceremony, the wake afterwards. How will the service be financed.

Pre-Paid Plan

Planning your own funeral

Planning your own funeral is a responsible and thoughtful way of caring for your family. Pre-planning and pre-paying at today’s prices also protects your family against the ever increasing price of funerals. You can choose the funeral services you want and no matter how prices rise in the future.

Importantly, your family are spared the emotional and financial burden of organising your funeral, with all the decisions and problems this can entail, at a time when they least cope. There are some 40 decisions your executor will have to make when arranging a funeral and often an incorrect decision can lead to family arguments and long-lasting hand wringing at a time when your family should be coming to terms with their grief.

When death seems to be the hardest word…

In communities where cultural or religious traditions are strong, people don’t worry about their funeral. They know that, when the time comes, those closest to them will know what to do; custom and duty will see to it that things are done properly.

For those with less traditional religious beliefs, unless they have been told, those closest to you won’t necessarily have a clue what to do.

Talk of death is not always easy yet, you will need to try to talk to those closest to you about how you would like to make your exit, if you want them to be your advocates, you’ll need their active involvement.

Talking about your death and your funeral plan with those closest to you is very likely to upset them. It may well upset you too, but when you have done it, you are all likely to feel that sense of relief which comes with having dealt with an unspoken dread.

Also discuss your care wishes with your loved ones, obtaining legal advice and organise a living will and these will be acted upon, for further peace of mind and assurance obtain a pre-paid funeral plan, this way you are able to plan for yourself and take away the natural stress involved, from the family.

When the time comes, those closest to you will be informed, prepared, and empowered

Talk to Rowland Brothers and we will assist you with your end-of-life planning including your will, funeral plans, LPA’s and trust services – we have specialist in-house advisors who can manage all the services either in the comfort of your own home or at our any one of offices.

Call us on 0800 0789 636

Or email

Our prices start from £1650 for a direct cremation plan.

couple discussing funeral plans wills

Benefits of a Funeral Plan

Peace of Mind

Pre-planning a funeral gives you peace of mind that your funeral arrangements are determined in advance so you rest assured that all the details are taken care of for you and your family. Knowing that they will not struggle with making the arrangements or the cost of holding a ceremony, will give you the peace of mind that they can manage the funeral arrangements with your help.

Your Choice

By pre-planning your own funeral, you can make personal choices that make the arranging process a lot easier and smoother for your loved ones. Making your choices clear through a plan is also a way of ensuring your family are aware of your wishes, and it means that you don’t need to discuss the full details of what you want for your funeral with them beforehand.

Full control

Once you have created your funeral plan you have full control. If you would like to change any of your arrangements, it is not a problem at all! You can add to, or alter your choices with ease to ensure you always have an up-to-date plan with your final requests. The plan is completely flexible to your choices, so you have full control.

Guaranteed Acceptance

Anyone can take out a Golden Leaves funeral plan. These do not require a medical exam although we’ll ask you about your medical history and this may impact on the ways you can pay for your plan. For some payment methods there are also age restrictions. You will be able to talk to someone about this (and anything else you’d like to discuss) before you decide to go ahead so there is nothing to stop you getting started with your plan right away.

Why Pay in Advance?

Safe and Secure

When you pay into a funeral plan your money will be protected by authorities and trustees, making sure the money you have invested is safe and remains protected. To safeguard your plan, your provider will either place it in a trust fund or invest it in an insurance policy that pays out when you die. All members of the Funeral Planning Authority must follow the code of conduct they set, providing further protection to the money you have paid.

Easy Instalments

You can pay for your plan in one lump sum or by using flexible payment options which can spread the cost and make this more manageable for you. Ask us about which of these options could be available for you.

Saving Money

With a funeral plan you are safeguarding yourself and your family from the rising costs of funerals. When you pay for you funeral in advance, you are paying at today’s prices, freezing the expenses and protecting yourself from future price increases.

Best value

A funeral plan gives you the time to access all the options available. Taking this extra time to look at the variety of vehicles, coffins and venues available will help you find the option that is the best value for you. It also gives you the chance to see all the options available to you, allowing you to possibly see a service that appeals to you that you wouldn’t have initially chosen.

Golden Leaves Funeral Plans

Our funeral plan provider is Golden Leaves Funeral Plans. They have been providing funeral plans since 1984 and are one of the oldest companies in the sector. They are prudently managed to ensure they will be around for many years to come to fulfil all their obligations to plan holders in the future.

All funds are placed securely in the Golden Leaves Trust to protect your funeral plan payments should Golden Leaves Funeral plans or Rowland Brothers go into administration however unlikely that will be.

Download the Golden Leaves brochure and payment form:

We also provide a form where you can specify you wishes only without paying for the funeral in advance

Personal wishes