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It goes without saying that losing a loved-one is an incredibly stressful and emotional time, with considerations such as funeral expenses causing further concern.

Over recent years there has been huge coverage in the media about funeral costs, which, for the last two decades, have consistently risen far in excess of the annual rate of inflation. Average funeral costs have increased from £1,230 in 1997 to over £4,000 today - an increase of over 225% (figures taken from Sun Life Cost of Dying Report 2013).

Taking out a pre-paid funeral plan fixes the cost of the funeral director's fees and services at today's prices, meaning whatever they cost in the future, there will never be anything additional for your family or estate to have to pay towards them.

In the current period of low interest rates, many people now see the huge benefit in "investing" capital into a pre-paid funeral plan instead of conventional savings accounts, given they're a far more effective and robust means of budgeting for what is, alongside taxes, life's only inevitable expense.

In addition to helping your loved-ones in the financial sense, taking out a funeral plan also allows you to dictate the precise format of your funeral, thus alleviating any uncertainty amongst those left behind as to what you'd like the service to include.

Folio Wills now works with Safe Hands - one of the UK's leading providers of pre-paid funeral plans. Endorsed by the National Federation of Funeral Directors, Safe Hands Funeral Plans combine affordability with outstanding levels of service and care.

Safe Hands Funeral Plans offer a range of 5 different plans to suit different tastes and budgets. Ranging in price from £1695 to £3700, all can be tailored to for either cremation or burial. Safe Hands also offer a host of affordable payment terms, with interest free options available if you spread the cost over 12 or 24 months.

In common with all funeral plans, the monies you pay for your Safe Hands Funeral Plan are held securely in a ring-fence trust fund, where, over the course of your lifetime, they are invested by independent, specialist trust fund managers. Then when you pass away, the monies (including interest generated) are released from the trust and paid to a local, reputable, funeral director who will then conduct your funeral in accordance with the instructions contained within your plan.

Please do not hesitate to contact us on 01227 634480 for more information, or call Safe Hands Funeral Plans direct on 0800 917 7099 quoting Folio Wills Ltd.

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