Compare Funeral Plans

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How to choose the best funeral plans

Comparing funeral plans could save you money and help you choose the best plan to suit your needs; one that is safe and secure, regulated by the Funeral Planning Authority and when the time comes, delivers the funeral services as promised with no nasty surprises.

Not all prepaid plans, or funeral insurance as they are often referred to are the same. Many only provide a contribution towards your essential 3rd party costs that could leave your family with more to pay. Cheap funeral plans may save money initially but could end up costing more in the long run – so avoid the pitfalls.

With funeral costs currently averaging over £4,000, it's easy to see why a plan that freezes these costs at today’s prices could be a good idea, so let us help you review and compare funeral plans today.

Plan Provider:Golden Charter

Golden Charter guarantee your funeral directors services at today's prices and make a contribution of £1,100 towards your 3rd party costs which means your family could have more to pay when the time comes. Review & compare funeral plans to find the best plan for you. 

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Restricted Plans:
£3,095
Standard Plans:
£3,495
Mid-range Plans:
£3,850
Superior Plans:
£4,099

Golden Charter guarantee your funeral directors services at today's prices and make a contribution  of £1,100 towards your 3rd party costs which means your family could have more to pay when the time comes. Review & compare funeral plans to find the best plan for you.

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Plan Provider:Perfect Choice

Perfect Choice guarantee your funeral directors services at today's prices and make a contribution of £1,200 towards your 3rd party costs, which means your family could have more to pay when the time comes

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Restricted Plans:
NA
Standard Plans:
£3,605
Mid-range Plans:
£3,915
Superior Plans:
£4,280

Perfect Choice guarantee your funeral directors services at today's prices and make a contribution of £1,200 towards your 3rd party costs, which means your family could have more to pay when the time comes

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Plan Provider:Dignity

Dignity prepaid funeral plans guarantee to freeze the costs of the funeral director services at today’s prices but also the cremation & ministers fees too (most providers only give you a contribution to help with these costs). Therefore your family will never have to pay a penny more for the services included in the plan. For burials, it guarantees the funeral director's costs and also makes one of the highest contributions to third party burial fees of £1,220. Dignity provide plans for Age UK & the Post Office - if you are over 50 years of age & live in the UK we recommend the Dignity Plan.

May 2017 Defaqto the independent research company awarded the Dignity Diamond Plan 5 Stars for its comprehensive level of cover

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Restricted Plans:
£2,795
Simple Plans:
£3,195
Mid-range Plans:
£3,550
Superior Plans:
£3,795

Dignity prepaid funeral plans guarantee to freeze the costs of the funeral director services at today’s prices but also the cremation & ministers fees too (most providers only give you a contribution to help with these costs). Therefore your family will never have to pay a penny more for the services included in the plan. For burials, it guarantees the funeral director's costs and also makes one of the highest contributions to third party burial fees of £1,220. Dignity provide plans for Age UK & the Post Office - if you are over 50 years of age & live in the UK we recommend the Dignity Plan.

May 2017 Defaqto the independent research company awarded the Dignity Diamond Plan 5 Stars for its comprehensive level of cover

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Golden Leaves

Golden Leaves guarantee your funeral directors services at today's prices and make a contribution of only £940 towards your 3rd party costs which means your family could have more to pay when the time comes.Compare funeral plans to find the best plan for you. 

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Restricted Plans:
£2,859
Simple Plans:
£3,204
Mid-range Plans:
£3,559
Superior Plans:
£3,809

Golden Leaves guarantee your funeral directors services at today's prices and make a contribution of only £940 towards your 3rd party costs which means your family could have more to pay when the time comes. Compare funeral plans to find the best plan for you.

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Plan Provider: Choice Plans

Choice plans are brought to you by "Funeral Partners" who have around 140 funeral directors across the UK, so your choice could be limited

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Restricted Plans:
NA
Simple Plans:
£3,475
Mid-range Plans:
£3,675
Superior Plans:
£3,875

Choice plans are brought to you by "Funeral Partners" who have around 140 funeral directors across the UK, so your choice could be limited. 

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Plan Provider:Avalon

Avalon offer 'dual certification' which means you can use the plan either in the UK or certain parts of Europe if you move or have a second home abroad. They include an allowance of £1,000 to help with 3rd party costs, which increases each year in line with CPI, but this means that your family could have more to pay when the time comes

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Restricted Plans:
NA
Simple Plans:
£3,645
Mid-range Plans:
£3,995
Superior Plans:
£4,245

Avalon plans offer 'dual certification' which means you can use the plan either in the UK or Spain, the Canaries, Portugal or Cyprus if you move or have a second home abroad.They include an allowance of £1,000 to help with 3rd party costs, which increases each year in line with CPI, but this means that your family could have more to pay when the time comes.

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We are featured on the consumer site Which? & are proud of our independent 5 Star Trustpilot Rating

We believe the best plans offer not only value for money but quality

What is a funeral plan? 

A prepaid funeral plan lets you arrange and pay for your funeral in advance, leaving your family free from the stress and worry of having to make all of the funeral arrangements at what will undoubtedly be a very difficult time, as well as removing the financial pressure of having to pay for everything .

You pay a lump sum or monthly payments to your chosen funeral plan provider and in return, secure your funeral services at today's prices, therefore saving money by avoiding future inflation.

Then when the time comes, it’s just one phone call from the family and the funeral director will take care of everything as detailed in your chosen plan.

How do prepaid plans work?

Prepaid funeral plans include the essential elements required for a UK funeral service; be it a cremation or burial funeral. You pay at today’s prices for your plan and your money is held either in a trust fund or a life insurance policy until it is required to pay for the funeral costs as detailed in your plan.

The funeral services included in prepaid plans fall into two categories; the costs incurred by the funeral director and the disbursements which are third party costs, beyond the control of the funeral director.

All pre-paid funeral plans guarantee to cover your funeral directors costs which includes their professional advice and support, services on the day, the coffin, hearse and depending on the level of cover, limousines and use of the chapel of rest. This means there will never be anything more to pay for these services however, a large part of the overall funeral costs are made up of the 3rd party fees which unfortunately on many plans are not guaranteed.

Important information to know before buying a prepaid funeral plan

Whilst all plans fully guarantee the funeral directors costs, for cremation funerals many plan providers only include a contribution towards the third party fees, namely the cremation and ministers fees and where appropriate doctors fees**. This unfortunately means that there could be a shortfall when the time comes that your family will have to pay, so they could be left with a bill.

It may surprise you to know that these plan providers only make a contribution towards these 3rd party costs: Avalon / Golden Charter / Perfect Choice / Safe Hands / Golden Leaves / Choices / Open Prepaid Funerals / Liberty 

The Dignity plan that we recommend however is one of the few prepaid plans that includes a guarantee for the ALL of the services included in the plan, with no hidden charges.

In a recent survey, independent consumer research company Fairer Finance discovered that over 90% of people who purchased one of the ‘contribution plans’ thought that all of their cremation costs were guaranteed, which unfortunately wasn't the case.

Therefore when you are choosing the best funeral plan for you, look carefully as to how these costs are covered.

Which funeral plans are right for me?

It is important to compare plans and review the information available before deciding which funeral plan is right for you. As an independent company we have done this for you, having compared funeral plans uk wide. Based on our extensive research, the plan provider we recommend is Dignity.

We believe FPA registered Dignity offers excellent value for money and importantly, are one of the few companies that fully guarantee the cremation fees and ministers fees as well as the funeral director’s costs – so you can be reassured your family will have nothing more to pay for the services included in the plan, no matter when it is in the future.

But don’t just take our word for it. In addition, Defaqto, the independent financial information business has recently conducted its own funeral plans comparison and has awarded the Dignity Diamond Plan 5 Stars. All other providers listed here received only 3 Stars for their equivalent plan reflecting a lower level of cover. 

Dignity - plans you can trust

Dignity funeral plans provide complete reassurance for you and your family and a service you can trust, including:

  • A guarantee to fully cover the cost of the services included in all four of their plans
  • An allowance of £1,220 for burial costs if you prefer this option
  • Competitive prices from just £2,795
  • Monthly payment options available
  • The ability to personalise your plan with ‘special requests’
  • Flexibility to move at no extra cost
  • The ability to add a spouse/partner for a joint funeral plan
  • National coverage with a network up to 1,300 funeral directors
  • Bio-degradeable eco-friendly coffins
  • A 24 hour telephone bereavement and counselling service
  • An award winning customer service

Request a funeral plan guide

How secure is my money?

To ensure your money is secure, we recommend you choose a provider that is registered with the Funeral Planning Authority (FPA). The FPA is an independent industry body that ensures all registered providers abide by its rules and strict code of practise as to how your money is held and the service you receive.

With Dignity your money is paid directly to the National Funeral Trust which is independently managed and audited.

All trusts are separate independently managed legal entities which are audited by independent accountants and auditors.

This means that should your funeral director go into liquidation, your money and funeral will be protected and the plan provider will reallocate your plan to another funeral director in your area.

Request a funeral plan guide

How to apply

Call us 0800 133 7656

We can talk you through your options, provide advice and recommend the best plan to you.

Apply by post

You can request a brochure and receive an application form to complete and send back to us.

Brochure Request

Apply online

Save yourself the paperwork & apply online; just have your payment card ready

Apply Online

Email

We can email the application form to you info@over50choices.co.uk.

Funeral insurance - what are my options?

When it comes to funeral insurance, you’re really looking at either Funeral Plans or Life Insurance. Basically there is no such thing as Funeral Insurance per se, but there are a number of financial products you can choose to help your family with funeral costs.

The first is a prepaid funeral plan as previously explained, the second option is life insurance, quite often referred to as an over 50s life cover policy. You pay a monthly premium either for life or until you are 90 (depending on the plan you choose) and a cash sum is paid out when you die that can be used to help with funeral costs – which is why many people refer to it as funeral insurance.

If you have the funds available, then a funeral plan lets you freeze your costs at today’s prices meaning you avoid funeral inflation. An over 50 life insurance plan however may appeal to those wanting to stick to a lower monthly budget or people who prefer to leave their family with money as opposed to making all of the funeral arrangements for them.

Whichever funeral insurance option you choose, remember to read reviews and compare, so you can be certain of choosing the best plan for you.

Get an Over 50s life insurance quote

Direct Cremation – the alternative cremation plan

For those looking to save money or wanting a more simple cremation plan, then you may want to consider direct cremation. It is quite simply the cremation process but without the funeral service; so no family or friends in attendance.

Whilst they may not be suitable for everyone, at half the price of a more traditional funeral, it could appeal to those looking for cheaper funeral options. However the large majority of people who buy these types of cremation only plans are those who either don’t want the upset or fuss of a funeral service.

With prices starting from around £1,500 you can compare and review direct cremation plans in our guide or you can request a brochure.

Request a Direct Cremation Brochure

Your questions answered

What is a funeral plan?

Often referred to as funeral insurance,  a prepaid funeral plan allows you to pay for your funeral costs in advance and specify your final wishes, protecting your family from the financial and emotional stress when the time comes.


Can I choose either a burial or cremation funeral?

With most prepaid plans the cover can be adapted for either a burial or cremation funeral and the Dignity funeral plan is no exception. In fact if you are unsure whether you prefer a cremation or burial but just feel you want to put the funds in place to pay for the funeral, then Dignity offer an ‘undecided’ option, so you can choose at a later date or leave the decision to your family if you prefer.

The first point to note about a burial plan is that no funeral planning company will pay for your plot, which could add a considerable cost to your funeral arrangements, typically between £500 to over £1,500 depending on where you live.

The Dignity Plan offers flexibility with one of the largest allowances of £1,220 towards your burial costs, which can be used towards any aspect of the fees, including the cost of the plot. In addition, unlike many other providers, if there is any money left over from the allowance, this will be returned to your estate.

You don't have to purchase your plot at the same time as taking out the funeral plan, you can either do it at a later date or leave this to your family to sort out when the time comes (using the money left from the allowance to help with the cost).


Can you buy European funeral plans?

If you are looking for a funeral plan and you live in Spain, Portugal, Cyprus and the Canaries, or you have a second home in any of these countries, then we have a European funeral plan that will provide cover for arranging a funeral either there, or here in the UK.

Quite simply if you think some time on the future you may choose to move to, or buy a second home abroad, then this plan will give you the flexibility, no matter whether you are drinking sangria in Spain or tea in Torquay.


What are the average funeral costs in the UK?

Research carried out by SunLife shows average funeral costs in the UK at *£4,086; this figure does not include flowers, memorials, wakes, notices or probate fees. To see the impact inflation could have on the average cost of a funeral in years to come if costs continue to rise at a similar rate, take a look at our funeral calculator.


Do you offer national coverage?

Yes, we offer national coverage throughout the UK, so it doesn’t matter where you live – there will always be a funeral director local to you..


Can I have a joint funeral plan?

Yes, although please be aware that a joint plan is one plan written in both names, so will only pay for one funeral, leaving the other person with no provision.

If you are looking into arranging a funeral for two people, then you will need to take out 2 plans to ensure that you are both protected.


What happens if I don’t die for another 20 or so years, will there be more to pay?

A funeral Plan freezes your costs at today’s prices so there will be nothing more to pay for the guaranteed services included, no matter when it is in the future, be it 20 or even 30 years time. The only consideration is if you have chosen a ‘contribution style’ funeral plan, in which case there may be more to pay for the cremation and minister’s fees; this all depends on how much these costs have increased compared to the allowance included in your plan.


Will my family get a cash lump sum when the time comes or will my funeral be paid for automatically?

When the time comes, instead of your family receiving a cash lump sum, your plan provider will pay the funeral director directly so your family won’t have the worry. There will be nothing more to pay for the funeral services that are guaranteed in the plan.    

An over 50 life insurance plan is a completely different type of policy that pays out a cash sum that families often use to help pay for funeral costs. This is why when people talk about Funeral Insurance, they often get confused between a funeral plan and an over 50s plan.

An over 50 life insurance plan as mentioned pays out a cash sum when you die that can be used to help with funeral costs, pay outstanding bills or left as a gift to family members. If it is used to help pay for the funeral, then the family will still have to make the arrangements and as inflation reduces the cash sum paid out over time, there could be more for them to pay – it all depends on the cash sum paid out versus funeral costs at that time.

A funeral plan on the other hand freezes your funeral costs at today’s prices so guarantees your family will never have anything more to pay for the services included.


Do I need to choose my Funeral Director now?

The plan provider will arrange for the services of a funeral director who is in your area.


What if I move home?

All funeral insurance plans provided by national funeral planning companies are flexible and portable, so if you move, the plan moves with you. You simply contact your funeral planning company to let them know your new address and they will move the plan to a funeral director local to your new home.

Whilst some plan providers like Dignity do not charge for this service, please be aware that some providers, like Golden Charter for example do not guarantee that you won't have more to pay, it all depends on the costs in your new area.


Can I tailor the plan to include my personal requirements?

Yes, you may wish to add your “wishes” to the plan so that your next of kin knows what you want when the time comes, for example, music, hymns, reception or you can fully bespoke a plan.


Which funeral plans do you offer?

We help you compare funeral insurance UK wide providing information, guides and funeral plan reviews so you can be fully informed prior to making your decision. Based on our comparisons, we have chosen to recommend Dignity as we believe that they offer excellent value for money, guaranteeing not only the cost of a funeral director but also the cremation and ministers fees at today's prices.

The following providers are all FPA regulated but only offer a contribution towards 3rd party costs:

  • Golden Leaves
  • Perfect Choice
  • Liberty
  • Golden Charter
  • Choice
  • Avalon

Please note that Saga do not provide pre-paid funeral plans and Age UK and Post Office plans are provided by Dignity. .

Open Prepaid Funerals, Pride Planning & Safe Hands Funeral Plans are not regulated by the Funeral Planning Authority. 


Who are the Funeral Planning Authority?

The Funeral Planning Authority or FPA as they are also referred to are the regulatory body for funeral plans, their role being to ensure registered members comply with their strictest of rules and strict code of practise as to the service you receive and how your money is held.

In order to register with the Funeral Planning authority, plan providers must demonstrate they comply with these rules; something they have to do on an ongoing basis as they have to re-register annually.


Can I buy a plan for someone else?

Yes you can buy funeral insurance for someone else. You will be able to specify this when applying for the plan by adding yourself as plan representative. As the plan purchaser and representative, all correspondence will be sent directly to you if you wish.


Do I need a medical to buy a Funeral Plan?

No you don’t. Your application will be accepted regardless of your state of health.


Do I have to be over 50 years of age to purchase a plan?

The Dignity funeral plan is available to anyone over the age of 40 however there are other plans that are suitable for anyone over the age of 18.


Is the plan you recommend regulated by the FPA?

Yes, Dignity are registered with and therefore regulated by the main funeral plan regulatory body, The Funeral Planning Authority (FPA). They have therefore demonstrated that they comply with rules and code of practise as to how your money is held securely and the service you receive.

Other bodies that you may come across, such as the NAFDSAIF & NFFD are trade bodies that are more concerned with the level of service quality provided by funeral directors.


Do you offer Eco-friendly or Green funeral plans?

Yes, we can arrange this for you.

The costs will depend on your requirements, as some people will just require an eco-friendly coffin whereas others prefer a fully carbon neutral service. Green funeral plans are increasing in popularity but generally are more expensive.


Questions you should ask when buying a plan

  • Is the funeral plan provider regulated by the Funeral Planning Authority?
  • Are my funeral directors costs guaranteed?
  • Are the cremation fees guaranteed at today's prices - only Dignity and Co op funeral plans currently offer this.
  • If paying monthly, how much extra will I pay in additional charges or interest
  • How is my money stored and how safe is it?

Where else can I compare funeral plans?

There are a few other websites that allow you to compare funeral plans uk wide, but the large comparison sites; Go Compare, Moneysupermarket, Confused, Money and Martin Lewis' Moneysavingexpert as of yet are not providing this service.Over50choices offers the widest funeral plans comparison service with independent reviews to help you make an informed decision.

Don’t forget, if you are looking at funeral insurance you may also want to compare over 50 life insurance which many people use to help with funeral costs.


Why do you recommend Dignity Funeral Plans?

As an independent company we believe that the Dignity funeral plan offers security and reassurance for the family with no hidden costs.

Of course we recognise that other plan providers that are regulated by the Funeral Planning Authority are worth considering, particularly if you have a preferred funeral director that only accepts one funeral planning company's plans.

Our advice is to use our funeral plans comparison table, read our reviews or if you prefer, ask us for advice on how the best funeral plans compare so you can choose one that fully suits your needs

Dignity also provide plans for Age UK and the Post Office, in addition to other leading brands, such as the Skipton Building Society.


What is funeral insurance?

Funeral insurance is a term given to a way of paying for your funeral.

Both pre-paid funeral plans and Over 50 life insurance are sometimes referred to as funeral insurance - both offer guaranteed acceptance, but when you buy a funeral plan you are purchasing a set of funeral services in advance.

Whereas, with over 50 life insurance your family will receive a cash sum that can be used to help with your funeral costs.

Often the choice will come down to the size of your monthly budget, but both funeral insurance options will help you with your funeral planning arrangements.


Can I pay monthly for a funeral plan ?

Yes, most funeral planning companies offer payments over 12 months at no extra cost and then instalment options of up to 25 years depending on your age. Understandably most funeral plan providers will have a threshold by which the payments should be complete.

If anything were to happen to you before you have completed your instalments, then the money you have paid into the plan would go towards the funeral costs and the family would just need to pay the balance, based on the original amount agreed.

Therefore although you pay more for an instalment plan, it can still save money as you are freezing your costs at today’s prices therefore avoiding future inflation. Also your family will have the money you have paid into the plan up to that point to help with the funeral costs.


What are Defaqto Star Ratings?

Defaqto is an independent financial information business. They collect product data from the whole of market and make it comparable to help consumers, like you, make better decisions. They are not customer reviews, in our case we ask Trustpilot to independently ask customers for these.

They have reviewed the funeral plan market in the UK and rated funeral plans on a scale of 1 to 5 based on quality and comprehensiveness of the features and benefits of each plan.

A 4 or 5 Star Rating indicates that a product represents one of the best quality offerings in the market. A 1 Star Rating indicates a basic plan with a low level of features and benefits.

The Dignity Diamond Plan was only 1 of 5 funeral plans that was awarded 5 Stars. The others were; AgeUK Rowan Plan, Co-op Funeralcare Gold Plan, Lincolnshire Co-op Funeral Services Lincoln Plan and Post Office Money Premium Plan.

What is the cheapest funeral you can have?

The cheapest funeral you can have is a direct cremation, which costs between £1,300 to £1,800.

A direct cremation is a cremation but without a funeral service - there are no mourners in attendance. This is a more affordable and cheaper option than a traditional funeral, although the majority of people choosing this option do so as they prefer a simple no frills option without the fuss of family and friends attending.

What happens if I die abroad?

If you die whilst abroad your repatriation cover on your travel insurance if you have it would get you back home and then the funeral director will provide the funeral services as outlined in your prepaid plan.

Alternatively if the family decide to have the funeral abroad, they can cancel the plan and receive a full refund minus the cancellation fee.

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*For Prize Draw Terms & Conditions please go the Dignity Funeral Plans section.

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