A prepaid funeral plan
You pay a funeral plan provider now for an agreed funeral later.
Suits: Fixing what’s included, and the price
Sorting it before you need it
Funeral plans
Pay for your funeral now, at today’s price, so nobody has to find the money or guess what you wanted.
Plain English, and nobody will try to sell you anything.
Ways to pay for a funeral.
A plan pays for the funeral itself. Life cover pays money to your family. Both have their place.
Over 50s life cover
A fixed cash sum for your family, with no health questions.
Suits: Leaving money for the funeral, and the choice with it
Your funeral wishes
Write down what you want, whoever ends up paying for it.
Suits: Everyone, plan or no plan
Why people plan ahead.
One less decision. Your family won’t have to choose a coffin while they’re grieving.
The price is agreed. Most plans fix the cost of what the funeral director provides, whenever it happens.
Your wishes, in writing. Burial or cremation, the music, the flowers. It’s all on record.
Regulated since 2022. Since July 2022, funeral plan providers must be authorised by the Financial Conduct Authority.
How to choose a plan.
A little homework now saves your family a lot later.
- Step 1
Decide what you want.
Burial or cremation, the kind of service, and anything you’d rather skip.
Step 2Check the provider.
Make sure they’re authorised on the FCA register before you pay a penny.
- Step 3
Read what’s included.
Some plans leave out third-party costs, such as the burial plot or the cremation fee. Know which.
Funeral plan questions.
Short answers to what people ask before they sign up.
Are funeral plans regulated?
Yes. Since July 2022, funeral plan providers must be authorised by the Financial Conduct Authority. If a provider isn’t on the FCA register, don’t buy from them.
What’s the difference between a funeral plan and over 50s cover?
A funeral plan pays a funeral director for an agreed funeral. Over 50s life cover pays a fixed sum of money to your family, who can spend it on the funeral or anything else.
Does a plan cover everything?
Not always. Some plans leave out third-party costs, such as the burial plot, the cremation fee or the celebrant. Check what’s included before you buy.
Can I pay in instalments?
Most providers let you pay in one go or monthly. Check what happens if you die before you’ve finished paying.
What if I change my mind?
Plans usually let you cancel, though there may be a charge. The terms tell you how, and what you get back.
Do you sell funeral plans?
No. We can talk you through the options, and we arrange over 50s life cover if that suits you better.
Useful information
Check a provider
Search for the firm on the FCA register before you buy.
Free guidance
MoneyHelper explains funeral plans and funeral costs, free and impartial. See moneyhelper.org.uk.
If something goes wrong
Complain to the provider first. If you’re not happy with their answer, you can go to the Financial Ombudsman Service.
Still need support?
Ask a real person about paying for a funeral, plan or no plan. Nobody will try to sell you anything.
Monday–Thursday 9am–7pm, Friday 9am–3pm
