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Pre-paid funerals

The importance of making a will so that the necessary arrangements are in place in the event of death is well understood. Increasingly more and more people are both planning and paying for their funeral in advance.

Many people wish to exert their independence and take responsibility for their own funeral arrangements.

By planning now, responsibility is taken from relatives at a time of grief. Importantly, because pre-paid funeral plans cover our direct costs, as long as your requirements don't change and we carry out your funeral, these costs are covered. You can also choose to make a contribution towards third party costs which are outside our control.

A pre-arranged funeral plan will involve arranging a private and confidential appointment with R. Steenson & Son. At this meeting the funeral details will be agreed, for example burial or cremation, what clothes are to be worn, whether there will be a funeral service and if so, where, the type of coffin, grave and memorial details, funeral limousine or horse drawn hearse, who is to be involved, the choice of hymns in the event of a funeral service. Nothing is left to chance so avoiding guessing or even arguments about your intentions in the future.

R. Steenson & Son offers Perfect Choice Funeral Plans. We offer the following information in the form of answers to typical questions that R. Steenson & Son have been asked over many years as an aid to clients and others seeking information on pre-paid funerals. Please contact us to arrange an appointment to discuss your needs in confidence.

Frequently asked questions (FAQs)
How do I select the funeral I want?
How much will my funeral cost?
What is the administration fee?
What will I receive when I join?
How do I know that my money will be safe?
What if the costs of funerals increases?
Will there be any other costs at the time of the funeral?
Can I buy a plan for someone else?
How do I pay for my plan?
Can I pay by instalments?
What if I die away from home?
What if I move home after purchasing the plan?
What if I change my mind?
What should I do next?


How do I select the funeral I want?
Contact R. Steenson & Son to arrange an appointment to suit you. While we will offer guidance the important thing is that you choose.

How much will my funeral cost?

This will depend on the specific details you choose. The total cost is made up of the cost of the funeral calculated at today's costs along with a small once-only payment to cover the administration fees. You do not have to make any commitment before you know the total price involved.

What is the administration fee?

This is a small once-only payment to cover the administration cost, preparing and supplying your plan documents, the Funeral Director's costs. R. Steenson & Son will advise you on the current fee.

What will I receive when I join?

You will receive a welcome pack with a covering letter and a certificate of entitlement. The welcome pack includes information regarding what to do at the time of death for family members and a form to record useful information.

How do I know that my money will be safe?
 
We offer Perfect Choice Funeral Plans which are provided by Ecclesiastical Planning Services, a registered member of the Funeral Planning Authority. A Perfect Choice Funeral Plan gives you exceptional financial security for your money. Unlike some plans, every penny of the full value of a Perfect Choice plan (excluding the initial management fee) is held securely in a whole of life assurance policy and ring-fenced to pay for your funeral when the time comes. The money is made immediately available to your funeral director and the funds cannot be used for anything other than your funeral for total peace of mind.

What if the costs of funerals increases?

Like most things funeral costs are affected by inflation and the cost of funerals are projected to increase. However once you have paid the full plan price there will never be any further charges for the funeral director’s services specified.

Will there be any other costs at the time of the funeral?

Each plan also covers other expenses outside the control of the Funeral Director (known as disbursements) but paid on your behalf e.g. cemetery or crematorium fee, press notices, flowers up to the maximum amount specified. These costs cannot be guaranteed, so they may need to be “topped up” at the time. 

Can I buy a plan for someone else?

Yes. Please mention this when you order. All correspondence will be addressed to you in confidence.

How do I pay for my plan?

Generally people prefer to make one payment, and finalise matters. You can give R. Steenson & Son a cheque (payable to Perfect Choice) or cash with your order form.

Can I pay by instalments?
Yes. Payments can be made by Direct Debit. If you would like further information on instalments please contact R. Steenson & Son.

What if I die away from home?

The plan covers the costs associated with a funeral within 30 miles of the funeral directors premises, including collection of the deceased. Repatriation costs to Northern Ireland are not included. We strongly recommend that you take out travel insurance when you go on holiday that includes full cover for bringing you back home if necessary. If you die outside Northern Ireland , R. Steenson & Son will be able to provide the service but will invoice your family or estate for any travelling charges.

What if I move home after purchasing the plan?
If you leave the island you can if you wish transfer your plan to another qualified funeral director. Funeral costs do vary from area to area, so there may be some additional cost involved. If so you will be advised of any change in cost at that stage.

What if I change my mind?

If you change your mind at any time all money paid, minus the management fee will be returned.

What should I do next?
Discuss matters with your relatives and friends. See your solicitor. When you are ready make an appointment with R. Steenson & Son to discuss your needs.

Repatriation

Steenson Funeral Services  has considerable experience of repatriating deceased persons to Northern Ireland and also from Northern Ireland to overseas. We can advise on legal requirements and procedures and can help with all the arrangements

Condolences

Want to add your words of support to a bereaved family? Use this link to add your condolence to an obituary article or view condolences left by others.

Memorial renovation

Kerbs and posts sometimes become loose on memorials. We can repair the memorial and prevent this reoccurring.  Over the years most memorials will require cleaning. We offer a cleaning service that can restore memorials to almost new condition.

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