How to Compare Funeral Covers? A Do-Follow Guide for You by Funeral Insurance NZ

2. How to Compare Funeral Covers? A Do-Follow Guide for You by Funeral Insurance NZ Funerals don’t usually come cheap. The present average cost of a funeral is $3000, including all the costs plus professional services such a funeral director. That figure is projected to double in a decade or so with cremation and burial fees on the up. Funeral costs usually come out of the deceased’s estate, and if the estate is not big enough – once debts are paid out of it – mourners may struggle to cover the cost which is where pre-paid funeral covers come into it.

3. Why Take Out a Funeral Cover Ahead of Time? Investing in a long-term funeral cover policy can make it a lot less of a financial burden at a time when that’s the last thing you want to be thinking about. It allows you to fix the cost of your funeral director’s services included in your plan at today’s prices, so you are protected against inflation that inevitably pushes the price up. Once your plan is paid for, there’ll be nothing more to pay for these services. Not only that, but you can customize the plan in advance to ensure it as personalized as possible.

4. How Does a Funeral Cover Work? You can pay a lump sum but most people pay in installments. Generally, you pay into a plan held by a specialist provider or a funeral director, which then gets invested in a trust fund pot, put in storage and safeguarded until needed under an industry code of conduct. Doing it this way with a pre-paid funeral cover plan helps you spread the cost so that when the time comes, you have enough funds not to have faced a huge bill at such a stressful time.

5. Things to Keep in Mind When Comparing Funeral Covers Funeral covers don’t come in one size only, of course. If you choose a funeral director, their fee should include most of the standard features of a funeral and additional extras besides, and the type of plan you choose – and the cost – depends on your needs, your wishes and your budget: there is no single template you have to follow.

6. Some things to think about when comparing funeral cover plans: • All professional arrangements for the funeral, plus necessary registration and certifications: do you need a professionally drafted will? • The funeral service itself – do you need religious officials? And do you want the option of a choice of time and date? • The cost of the coffin: basic or superior types or environmentally-friendly options • Does it cover collecting and looking after the deceased’s body before the funeral • Most plans allow use of a hearse taking the body to the cemetery or crematorium, though other options can include a funeral procession and additional limousines for the mourners. • Transportation to the final resting place • Disbursement fees: Check if the plan pays the full cost of the burial or cremation or only contributes to it. • Is there an allowance to pay for third party costs such as flowers or catering? • Is there a support system in place to help the bereaved? • Can the family view the coffin at any time they need to?

7. Compare Funeral Covers No-one wants to think ahead to the practical realities when someone dies, but planning ahead with a pre-paid funeral cover can make you glad you did. Look for the options that suit you and your family best – what kind of professional services you need, what kind of extras you would like, and how much you’d prefer to handle yourself to personalize the ceremony. Pre-paid funeral covers have a wide range of options, all of which include full professional arrangements for the funeral, assistance, transportation and a support system for those bereaved.

8. Planning ahead to beat rising funeral costs can protect your family from worry and financial stress. Get a funeral cover plan today! For comparing the best funeral covers; visit or contact on below details! Make Inquiry here: https://bit.ly/2rMZ9XN Or Contact Us Tel: 0508-746488 Email: paul@insurancehelpline.co.nz Website: www.funeralinsurancenz.co.nz