Prepaid funeral plans

Everything you need to know about simple plans including the bits some companies don’t like to talk about: Plus see our special offer.

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What is a prepaid funeral plan?

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A prepaid funeral plan lets you choose the type of funeral service you want and pay for it at today’s prices; a wise decision for two extremely important reasons:

Smart with your money 

simple funeral plans

The average cost of a funeral in the UK is currently £4,078, having risen by an incredible 116% since 2004; but this could increase to almost £7,000 in just 10 years time if costs continue to rise at a similar rate. 

With a prepaid plan, your funeral services are fixed at today’s prices. This means you avoid future inflation and will never need to worry about rising costs again.

Kind to your family 

prepaid funerals

In addition to saving money, a simple funeral plan can be a huge relief for families as it means they won’t have the worry of arranging and paying for a funeral.

Instead, everything is done for them; all they need to do is make one call and the funeral director will take care of everything as detailed in the plan.

How do they work?

When it comes to paying for a funeral, costs fall into two categories:

  • cheap funeral plans uk
  • which funeral plans
All plans guarantee to cover the funeral directors costs, so once you have bought it, you will never have to pay a penny more for those services.

But here is the crucial bit that most plan providers don’t like to talk about. The majority of prepaid funeral plans available in the UK today only include a contribution towards the 3rd party fees which for cremation, currently averages close to £1,000. 

This contribution will usually increase in value annually in line with either RPI or CPI but at the same time, the third party costs will also become more expensive too. So if there isn’t enough money in the ‘contribution pot’ to pay for these fees when the time comes, the family will have to pay the difference; which is why it is so important to compare funeral plans before you buy.  

So the big question here is why would you buy a prepaid funeral plan that only guarantees some of the services when you can choose one that for a similar price, guarantees absolutely everything included in the plan?




Which is the best funeral plan?

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When it comes to buying a plan, price of course matters but don’t immediately be drawn to cheap funeral plans or the offer of a free gift. At the end of the day it may seem like a good deal but if your family have more to pay when the time comes, it could end up being a costly mistake. 

For example it can be confusing understanding the difference between funeral plans and over 50 life insurance or funeral insurance as it is also known, as they all tend to be marketed for funeral purposes.

Having compared the market for the best funeral plans, we are happy to recommend Dignity as the one that for us, stands out from the crowd. This is simply because it offers more guarantees than most plan providers. 

With Dignity you get a full guarantee for your funeral directors costs PLUS a full guarantee for the cremation fees and minister’s fees too. 

And with awards and recognition for good service coming out of their ears, you can trust that you are in safe hands too.

If however you prefer a cremation only plan with no funeral service, then take a look at our recommendations for direct cremation funeral plans


Why choose  a Simply Plan?

best funeral plans

The team at Simply Funeral Plans are a bit geeky when it comes to funeral plans. With over 10 years experience, we are experts when it comes to routing out the truth and finding the best funeral plans for our customers.

We believe you should have complete confidence in your prepaid plan, knowing that when the time comes, it will provide the services as promised in the plan, with no nasty surprises and no hidden costs. 

Quite simply, we believe in a funeral plan that you can trust. Why not request a brochure today by clicking here.

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Prepaid funerals: 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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