Your Options for Financing the Funeral

Finding money to pay for a funeral can be extremely stressful and daunting. Especially if your loved one’s death was unexpected or they didn’t make any provision for their funeral costs.

Here at Coles we are committed to offering you as much support as possible at this difficult time, which is why we have developed partnerships with a number of trusted and reputable companies that can help.

Depending on your individual circumstances, the following options could be helpful to you…

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No Estate?

If your loved one has died without leaving provision for their funeral, and has not left behind an estate, then you and your family will be responsible for paying for their funeral.

 

This can leave families, particularly on low income or with high financial commitments, in a very difficult situation. It also means that sometimes families aren’t able to give their loved one the funeral that they would have wanted to, had money not been a concern.

 

After much research, Coles has partnered with Funeral Safe, a highly reputable, specialist funeral finance provider who gives back the funeral choices and freedoms that our customers deserve.

Unlike many loan or finance companies, Funeral Safe specialises in funerals only. This means the Funeral Safe team fully understands how everything works and are compassionate and sensitive to the financial challenges you are experiencing.

How it works

1. When you’re arranging your loved ones’ funeral, simply ask your Funeral Director for finance options and in a matter of minutes, they can arrange a funeral finance application for you.

 

2. Upon successful application you’ll receive a text message and email containing your loan agreement. If you’re happy with the details, you can accept your loan via the link in the email.

 

3. Once you have accepted the agreement, Coles is notified and all that you need to do now is meet the loan re-payments.

 

4. All remunerations in connection with the funeral will be taken care of by Coles and Funeral Safe on your behalf.

Why use Funeral Safe?

High street interest rates – ensuring lower income families in need of this service never pay more than high street bank interest rates

 

No repayment penalties – so you will not be charged should you want to pay off your the remaining sum of your Funeral Safe loan sooner

 

Complete control of the loan/term – the amount and the term of the loan is chosen by you.

 

Convenient online account and loan calculator – stay in complete control of the process and communications.

For more information about this Funeral Safe service, please get in touch with the Coles team who will help you through the process. Alternatively, you can use the loan calculator to get an instant understanding of payments and terms

 

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Estate Left Behind?

Trying to find the money to pay for a funeral, apply for probate, and deal with the management of your loved one’s estate when you’re grieving can be very overwhelming.

 

Probate is the legal process whereby a will is proven, in a probate registry and is accepted as the true last testament of the deceased. Probate is the first step in the legal process of administering the estate of the deceased – and it can often be a challenge to obtain, which is why some families choose to enlist the help of a solicitor.

 

Some solicitors can be costly, and many probate management companies charge large fees up front fees – which is why Coles recommends Curtis Legal.

 

Having partnered with Craig Bond of Curtis Legal for many years, we know the families he works with value his experience in arranging probate, the clarity and transparency he brings, making the process much less stressful.

 

With financial and administrative support from Curtis Legal, you can concentrate on giving your loved one the send-off they deserve.

Why choose Curtis Legal?

No upfront fees
Just one fixed, professional fee so you know what you are committing to from the start. The fee will be deducted when the estate has been finalised.

 

Funeral costs paid
All remunerations in connection with the funeral, probate and the administration of the estate will be paid for up front by Curtis Legal, then drawn from the estate on completion of probate.

 

Home visits at your convenience
Any time, day or night, 7 days a week, one of the friendly team from Curtis Legal can visit you in the comfort of your own home to provide you with a free, no obligation quote for his services.

For more information about Curtis Legal, please get in touch with the Coles team who refer you. The Curtis Legal Team will then be in touch to make an appointment at your convenience and provide you with a no obligation quote for their services.

 

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In Receipt of Benefits?

If you are in receipt of certain benefits, you might be eligible for a Funeral Expenses Payment (also called a Funeral Payment) from the government, to help pay for some of the funeral costs.

 

Find out more >