A guide to prepaid funeral plans

Funeral plans we offer not only guarantee your funeral directors services at today's prices, but unlike most other funeral plans, your cremation & ministers fees as well.

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£50 M&S Voucher with every plan

What is a funeral plan?

Pre-paid funeral plans enable you to arrange and pay for your funeral director's services at today's prices, protecting your family from rising costs. There are a number of payment options and levels of service to choose from but you will find all the information you need right here.

Making arrangements yourself in advance simply means your loved ones won't have the worry when the time comes.

It's worth noting that not all funeral plans are the same, for example all plans we offer will guarantee your cremation and ministers fees at today's prices, in addition to the funeral directors costs; the following providers only offer a contribution towards the former;

  • Golden Charter
  • Avalon
  • Safe Hands
  • Golden Leaves
  • Perfect Choice

If you are shopping around please note that plans that guarantee your funeral directors costs and offer a contribution towards your 3rd party costs, could leave your family more to pay when the time comes, a fact most plan providers will not tell you.

So whilst we would encourage you to make a funeral plans comparison, if you are looking for a cremation funeral then the Dignity Plan we offer could give you complete peace of mind, as all the services included in the plan for a cremation funeral are fully guaranteed.

simply funeral plans 

  In May 2017, the independent financial research company Defaqto awarded the Dignity Diamond Plan 5 Stars    for it's comprehensive level of cover.


For those on a tighter budget, an alternative to a prepaid funeral plan is Funeral Insurance. Whilst this doesn't   provide the funeral arrangements you get with a funeral plan, the cash sum paid out when you die will help   your family pay for some, or all of your funeral costs when the time comes. As the cash sum is fixed, its value will be affected by inflation in years to come so keep this in mind if you choose this option. 

best funeral plansKey benefits of prepaid funeral plans

Funeral inflation has out stripped retail inflation (RPI) and high street interest on savings accounts for the last 10 years. Funeral costs have more than doubled since 2004, with the average cost of a funeral today at ^£3,897.

You can see from the graph how the cost of a funeral has risen and more importantly what it might cost in the future, based on ^Sun Life and Royal London annual surveys into the cost of dying. It's staggering that costs could reach £6,490 in just 10 years; worrying when you consider that we are now living longer lives.

With a pre-paid funeral plan not only will your loved ones not have to worry about how to pay for your funeral, you will also be saving them the emotional stress of arranging everything when the time comes ......... a priceless gift.

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Compare the quality of Funeral Plans

Provider Costs fixed at today's prices Regulated by the FPA Defaqto Rating Could you family have to pay more
Funeral Director Cremation & Ministers Fees

Yes Yes Yes 5 Stars No
Perfect Choice

Yes Yes Yes
Golden Charter Yes No Yes

Yes No Yes
Golden Leaves Yes No Yes
Coop Yes No Yes
Open Funerals Yes No No
Safe Hands Yes No No

The table shows how providers compare for their cremation funeral plans: Go to the Defaqto website for a full set of Star Ratings, the 5 Star Rating shown applies to the Dignity Diamond Plan.

What do you get with a Dignity prepaid funeral plan?

Acceptance is guaranteed

No medical or health questions.

Freeze costs at today's prices

Your funeral director's costs will never increase

Your money is safe

Your money is held in an independent trust fund

Funeral Planning Authority

All Dignity plans are regulated by the Funeral Planning Authority

Free no obligation advice

Our advisers will help you choose the best plan

Cremation & Ministers fees

Dignity also guarantee these costs - most plans don't

Choice of payment options

Pay in full or with monthly payments

28 Day money back guarantee

If you change your mind you will receive a full refund

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Why use Simply funeral plans

Simply funeral plans are independent experts in funeral planning, with over 10 years experience.

Your pre-paid funeral plan will be provided by Dignity, the largest provider of plans in the UK. We have chosen to work with Dignity because of their guarantees, security and award winning service; so you can be sure your money is safe and that you and your family receive the highest quality service, both now and when the time comes.   

And when you apply through us, you get the same plan as going directly to the provider, but with the added benefit of a £50 M&S Voucher.

Plus for a limited period we are offering to beat any like for like cremation funeral plan price - see here for details

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Most popular asked questions & answers

Yes, your acceptance is guaranteed regardless of your health or lifestyle; there are no questions on the application relating to this.

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*£286 saving is based on a reduction in price on the Dignity Diamond Plan from 31st March 2017 plus you will receive a £50 M&S Voucher. 

^The Sun Life Cost of Dying Report 2016 shows that average funeral costs across the UK are now £3,897 and the Royal London Funeral Cost Report 2015 stated prices have risen on average by 6.1% since 1980. 

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