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Advice on care

Experts in paying for care

Pre-payment funeral plans advice on care

The most thoughtful decision you could make - make known your wishes and cap the cost at today’s prices

In 2004 the average cost of a funeral was just £1,920 – today it’s £4271* That’s an increase of 122% - well above inflation. What will it cost in another 5 years? A staggering £5120** and this doesn’t take into account any ancillary costs like flowers or venues for any family gathering nor legal fees for administering any estate left

*Sun Life Cost of Dying Report 2018
** Assuming the same escalation as seen in the last decade – Sun Life Cost of Dying Report 2018

Intrinsic are not responsible for our funeral planning service.

The Financial Conduct Authority (FCA) doesn’t regulate funeral plans covered by insurance or trust arrangements. It does however stipulate rules for each method of investment, so sums paid by the customer are safeguarded and available to pay for the funeral when needed.

So whilst looking at sensible ways of capping escalating cost of care, doesn’t it also make sense to cap the cost of any funeral?

Certainly many of our families have thought so and have asked us to also arrange a pre-payment funeral plan for their parent.

But there is far more to a prepayment funeral plan than simply capping the costs – Do you know what your parent would like?

Taking out a prepayment plan also allows the person to have a say over what arrangements they would like making matters easier at time of need allowing family the time to grieve, remember and celebrate the person’s life without the worries of finding an undertaker as any care home will unfortunately want matters to be taken care of swiftly. It will also provide certainty over whether mum or dad wanted a cremation or burial and at time of need one call takes care of everything.

Don’t be afraid to discuss end of life issues with you parent – you may be pleasantly surprised!

Whilst you may quite understandable wish to avoid thinking about such events and shy away from discussing it with your parent or relative, our experience tells us when we are able to have discussions with clients in care, it’s quite the opposite. They are only too willing to face up to reality and discuss it with us and appreciate being able to make known their latest wishes.

Don’t forget – costs will need to be paid well before any estate is administered

Whilst you may think that there is no need to worry about taking out one of these plans as you parent or relative will still have sufficient capital, don’t forget any funeral director will need paying before any estate is administered. Buying and pre-paying for a funeral plan will not only makes matters easier when necessary, it will also avoid you or anyone else possibly having to find the money to pay the director before the estate can be distributed.

Choice of Plans

To ensure we consider and arrange the very best plan for our families we have decided to become agents for two of the country’s largest and most respected funeral plan providers - Golden Charter and Golden Leaves. Both of whom are members of The Funeral Planning Authority (FPA) and for your peace of mind invest their client’s money into a separate an independent Trust administered by independent Boards of Trustees.

So when discussing long term care with ourselves, don’t forget to ask us about these sensible plans. Apply TODAY and CAP the cost. - No age limit and Guaranteed Acceptance.


Apply TODAY and CAP the cost. - No age limit and Guaranteed Acceptance

Capping the cost couldn’t be easier – simply contact us today.

It doesn't even matter if your parent or relative is already beyond effectively making known their preferences. As their representative you can complete the application on their behalf and all correspondence will be sent to you.

As we are now agents for both Golden Charter and Golden Leaves two of the UK’s most reputable funeral planning companies - we can help you find the best deal and send you an application form for you to complete and return to us along with your payment. You will then receive a Certificate of Entitlement and membership card to keep in a safe place.

You will also receive the right to change your mind giving you 30 days from receiving your Certificate to make sure you are fully happy with everything.

So if you would now like to receive some information and an application form, simply complete our enquiry form  indicating your interest in funeral plans and we will be pleased to contact you to discuss them further and help you complete any application.

Contact us

Head Office Address:
Advice on Care
267 Barrowby Road, Grantham, Lincolnshire, NG31 8NR

Southern Regional Office Address:
Advice on Care
40 Caversham Road Reading, Berks, RG1 7EB

Telephone: 0800 180 4336



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The information contained in this web site is for general information only and is not financial, investment or tax advice. It is also subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. If you would like to discuss a particular issue or generally ask us how we can advise on your particular situation then please contact us.

Advice on Care is a trading style of Keith Hargraves who is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register ( under reference 440703 and 440718.

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