Here at Optimum Financial we don’t see you as another number, we see you as an important individual, as you are.
We aim to build long term relationships with our clients, so we regard professionalism and integrity as fundamentals in order for us to achieve this.
We can help you pre-pay for your funeral costs at today's prices. The price of funerals, like everything else, keeps going up. However, with a funeral plan, you can protect yourself against these rising costs. No matter how much the cost of your funeral director's services may have increased by the time they are required, they will be covered. You can be sure that once you have paid for your funeral plan, there should be no more to pay for these services.*
Companies typically offer 3 levels of service when it comes to funeral plans, simple, standard or superior plans which cover the cost of Funeral Directors services, and pay an allowance for 3rd party charges which usually include cremation or burial costs, vehicles, doctors fee and minister fees etc.
The main difference between the 3 funeral plans are usually to do with the quality of the coffin, and whether limousines for the family are included.
Main points are:
- Peace of mind knowing that everything is taken care of in advance.
- Protection against rising costs.
- You choose the funeral plan you want.
- Service from a local independent funeral director.
- Guaranteed acceptance.
- A range of ways to pay for your funeral plan.
Pre paid funeral plans can be bought as a one off payment in advance, or the option to pay by installments over 12 months to 120 months. If you choose to spread the cost over more than 12 months, an administration fee will apply.
*If a burial is required, because prices vary between the regions, the plan will provide a contribution toward burial costs, which rises in line with Retail Price Index (RPI) inflation. If the burial costs were more than this amount, the difference would need to be paid.
All the pre pay funeral plan providers we look at are members of the Funeral Planning Authority (FPA), it has a code of practice that all members must adhere to.
*The Financial Conduct Authority (FCA) does not regulate funeral plans, but does stipulate the rules for the method of investment.
Please ask us for a no obligation quote, paying in advance for your funeral is a sensible decision that will save you money, benefiting your family or estate.
Ready to find out more? Book an appointment today!
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If you are looking for expert Insurance advice and Insurance Cover in South Wales then you have come to the right place. Here at Optimum Financial we have a team of expert Insurance Advisers and Financial Advisers that can provide you sound advice on Life Insurance, Sports Injury Insurance, Accident Insurance, Critical Illness Insurance, Mortgage Protection Insurance, Income Protection Insurance, Business Protection Insurance, Sickness Insurance, Whole of Life Insurance, Self Employment Insurance and Over 50’s Insurance. Our Insurance Advisers cover from Carmarthen to Chepstow in Wales and everything in between as well as the South West of England including Bristol, Swindon, Gloucester, Avon, Wiltshire, Gloucestershire and Somerset etc. Please feel free to book an appointment with a specialist insurance advisor today!
Know anyone looking for Life Cover or other Insurance? Check out the Referral scheme from Optimum Financial – Financial Advisers in Wales
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“I first met Jason at Mosley RFC he then came to my house and gave me a bespoke insurance package well within my affordability to cover my mortgage with a life and critical illness policy, a sports and injury cover should I become injured at work, playing rugby or even day to day life. Jason also covered my wages to ensure my bills are covered from the first day of sickness, should I become sick or injured… highly recommend optimum financial…” Will Evans, self employed rugby player If you are interested in discussing your insurance requirements please feel free to contact us.
Please find some frequently asked questions about health insurance also known as Private Medical Insurance: What is health insurance? Private Medical Insurance (PMI) in the UK provides access to high-quality private medical facilities and medical treatments, at a time and place of your convenience. Health Insurance also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer. What conditions does health insurance cover? Private medical insurance is designed to cover the cost of private medical treatment for acute conditions. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment and return someone to the state of health they were in before, or lead to a full recovery. It doesn’t usually cover treatment of long-term (chronic) conditions, where the main aim is to keep the symptoms under control – these are still treated within the NHS. Private medical insurance also won’t cover any pre-existing conditions that you may have when taking out a plan. Here at Optimum Financial we provide helpful advice about health insurance and many other types of insurance cover. If you would like to chat about health insurance or any other type of insurance cover for you and your family or staff please feel free to contact us:
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