Cremation and burial fees are unavoidable, and these are just the start of the overall costs of a funeral. A separate report by SunLife last year revealed the average funeral is now £3,897, with the overall cost of dying coming to a staggering £8,802 per person. Sadly many families fail to plan for these unexpected bills. So here are a few ways to spread the costs and where to find help. Funeral plans have received a mixed press over the years, with some excluding items you would have thought would be included as standard. Some also only cover cremation and not burial. Then there's the argument that you might as well keep the money in an interest-paying account, which also gives your family or friends the ultimate flexibility when it comes to your funeral. Among the advantages of funeral plans are that they remove the burden of planning and paying for your funeral from others. What's more, a funeral plan is exempt from your estate for Inheritance Tax purposes. Another big advantage is that many plan’s costs are fixed at today’s prices.

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