Prepaid Funeral Plans

When it comes to planning a funeral, it can be a sensitive topic to navigate – especially if you are a loved one planning a service or ceremony for the deceased. That’s why it may be beneficial to consider the option of a prepaid funeral plan – as you can help to alleviate the emotional and financial burdens from your family and loved ones by planning and paying for a funeral ahead of time.

Prepaid Funeral Plans from Open Prepaid Funerals

We at, White Rose Modern Funerals have chosen to become an Introducer Appointed Representative of Open Prepaid Funerals, who offer fair, clear and transparent funeral plans. The experienced team at Open will guide you through the process of taking out a prepaid funeral plan and look after the financial aspects of the plan, whilst keeping us on hand to ensure your personal preferences can be met and that we maintain our relationships with the families we serve.

This relationship allows White Rose Modern Funerals to provide Open with our expertise and guidance on how the funeral is conducted whilst they set up a plan to suit your needs and preferences.

A summary of our standard funeral plans is provided below – however bespoke plans can be created based on your personal requirements. You can jump straight to our page on Open’s website to see the standard plans and prices, simply click here.

White Rose Modern Funerals Pre-Paid Funeral Plans

All plans managed by Open Prepaid Funerals Limited. Company No. 04747037.

We’re here to help you – call 020 3281 1045

About Open Prepaid Funerals

Open Prepaid Funerals Limited was formed in 2003 with the aim of providing a financially secure and ethical method of planning a future funeral by specialising in prepaid funeral plans. We offer a range of prepaid funeral plans, from a low-key unattended cremation to attended services designed to suit a variety of requirements. You can also create almost anything you require in our very detailed and unique bespoke plan.

The cost of your prepaid funeral plan depends entirely on the plan you choose, your personal preference and the level of service that you require. The expert team of Open Advisers will talk you through this on the telephone, online using a webcam, or if required, face to face.

Once set up, your payment is made into The Open Prepaid Funerals Trust Fund, where it is managed by professional fund managers, overseen by a board of trustees and independently audited annually. The trust deed has been created in such a way that its purpose is to offer greater protection to you the plan holder and your family or estate. We here at White Rose Modern Funerals will have the responsibility for the provision of your funeral on behalf of you through Open Prepaid Funerals.

Why Choose a Prepaid Funeral Plan

By choosing a prepaid funeral plan, this is a simple and practical way to let your loved ones know that everything is taken care of. Some of the main benefits include:

  • Reduces financial burden – as the funeral plan will be paid up front or in monthly instalments, this can reduce the financial burden on loved ones when the time comes.
  • Can alleviate emotional stress – planning your funeral beforehand helps to alleviate added stress, but also provides a caring solution to decrease emotional stress on your loved ones.
  • Funeral Director professional fees are fixed – although funeral plan prices may fluctuate due to inflation, the price of the funeral directors professional services is fixed at the time the plan has been bought – meaning that your plan is safe for years to come.
  • Contribution to disbursements – your plan can include a contribution to third party costs, such as; the crematorium cost, a minister or officiant to carry out the service, flowers or obituary notices. Your contribution to disbursements is not guaranteed to be covered and your family or estate may have to make an additional contribution at the time of need. A list of potential disbursements are available in our terms and conditions.
  • Individual personalisation – by choosing a prepaid funeral plan, you can decide on the theme of your own funeral yourself and ensure that everything is to your taste and personal preference ahead of the time.

By choosing a local independent funeral director with Open Prepaid Funerals, you can receive a high-quality experience along with the expertise required – allowing you to be safe in the knowledge your funeral is taken care of when the time comes. Simply get in touch with us and we will arrange an appointment with an Open Adviser or you can contact Open directly on 0330 660 0072 to get the process started.

White Rose Modern Funerals is an Introducer Appointed Representative of Open Prepaid Funerals Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 962403

Funeral plans – Frequently Asked Questions

What is a funeral plan?

A funeral plan is a way of paying in advance for your own funeral. You can invest a lump sum or pay in instalments – the money is securely invested until the time comes to pay the cost of the funeral.

Why take out a funeral plan?

The main reason is peace of mind, knowing that when the time comes your family will not have the worry of finding the funds to pay for a funeral. It also ensures that your wishes for the type of funeral you would prefer are followed.

Is the money I invest safe and secure?

All plan funds (excluding the plan administration fee) are invested into the Open Prepaid Funerals Trust Fund where it is managed by a board of trustees. The trust fund is a wholly separate entity and independent from Open Prepaid Funerals Limited.

What happens if the funeral director goes out of business?

You can nominate any funeral director and change your appointed funeral director at any time. The plan is not dependent on your appointed funeral director, so should that funeral director go out of business, your plan remains unaffected.

What does a funeral plan cover?

The funeral plan covers the funeral director’s fees (arranging the funeral and legal forms, collection and care at our private facilities, taking care of all the details and our attendance on the day). It also covers the cost of the coffin, transportation, provision of sufficient staff and bearers. There is a specified amount that is a contribution towards third party costs such as crematorium/cemetery fees, doctors’ certificates and officiant.

Crematoria fees change annually and there may be certain additional costs, for example for an out-of-hours collection, however in most cases, our plans will cover most if not all of these costs.

What isn’t covered by a funeral plan?

The plan should cover most fees, however due to variations in fees charged by local authorities for burial plots, the total cost of buying a plot and the interment fee may not be fully covered (each plan has a defined contribution towards third party fees).

Also, should the death occur whilst abroad, the repatriation fees would not be covered by your funeral plan (although your travel insurance policy may include repatriation cover).

Can I pay for a funeral plan in instalments?

You can pay over a number of months, interest free over 12 months or up to 10 years direct debit – a charge is made for instalment payments between 12 and 120 months (enquire for APR) however all of these additional charges are applied to the value of your plan.

Should the death occur before the plan has been paid in full, your estate or relatives would need to pay the balance.

What happens to the plan if I move to another area?

If you move location, please contact us or Open Prepaid Funerals Ltd and they will endeavour to place your plan with a newly nominated funeral director local to your new residence.

Are your funeral plans regulated?

Yes. Our plans are managed by Open Prepaid Funerals Ltd which is registered by the Financial Conduct Authority with Firm reference number 962403 as a funeral plan provider.

Open Prepaid Funeral Plans

About Open Prepaid Funerals Ltd

We have chosen to partner with Open Prepaid Funerals Ltd for our funeral plans because the company has a strong reputation for honesty, transparency, excellent customer service and a solidly performing funeral plan.

Open Prepaid Funerals Limited was formed in 2003 to provide a financially secure and ethical method of planning your funeral. It is registered by the Financial Conduct Authority with Firm reference number 962403 as a funeral plan provider.

Their plans are flexible – you can change your appointed funeral director at any time. There is a low plan administration fee. Plan funds (excluding the administration fee) are deposited in the Open Prepaid Funerals Trust Fund, which is separate and independent from Open Prepaid Funerals Ltd.

Independent funeral director

helping families across London & Surrey

You can speak to us anytime on 020 3281 1045 – we’re open 24/7