Compare Funeral Plans

  • Prepaid funeral plan comparison made easy
  • Free no obligation advice on the best funeral insurance
  • Funeral costs in the UK have more than doubled since 2004
  • Affordable funeral planning from £3,095 or £16.28 a month

Special Offer: Beat rising prices & SAVE up to £340

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How to choose the best Funeral Plans

compare the best plansComparing 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 funeral 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 funeral 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 funeral plans 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.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 funeral plans 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. Compare funeral plans to find the best plan for you.

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Plan Provider:Perfect Choice

Perfect Choice funeral plans 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

Compare quotes

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

Perfect Choice funeral plans 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 your funeral directors costs and the cremation & ministers fees at today's prices (most providers will only give you a contribution for these costs), with nothing more for your family to pay as detailed in the plan. For burials, it guarantees funeral director's costs and also makes one of the highest contributions to third part 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

Compare Quotes

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 a funeral director to arrange & conduct the funeral and the cremation & ministers fees at today's prices (most providers will only give you a contribution for these costs), with nothing more for your family to pay as detailed in the plan. For burials, it guarantees 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 funeral plans 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 funeral plans 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 funeral 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 funeral 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

Compmare Quotes

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

Avalon funeral 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

The cheapest plan may not be the best funeral plan

Compare funeral plans & choose the right one for you

If you are over 50 years of age and live in the UK we recommend the Dignity Plan, as all four plans guarantee to cover the cost of the funeral services included in your plan, no matter how far in the future it may be needed and how much funeral costs may rise over time. For plan details please see our Types of Plan section

Payment Options
The affordable
Limited Plan
The essential
Amber Plan
The most popular
Pearl Plan
The big family
Diamond Plan
Normal Price
£3,095
£3,495
£3,875
£4,135
Special Offer: Save
£300
£300
£325
£340
Cost of plan to you
£2,795
£3,195
£3,550
£3,795
Monthly Payment Options
12 Monthly Payments
£257.91
£291.25
£322.91
£344.58
Total amount payable
£3,095
£3,495
£3,875
£4,135
5 Year payment period
£59.08
£66.72
£73.97
£78.93
Total amount payable
£3,545
£4,003
£4,439
£4,736
10 Year payment period
£33.06
£37.34
£41.40
£44.17
Total amount payable
£3,968
£4,481
£4,968
£5,302
15 Year payment period
£24.11
£27.23
£30.19
£32.21
Total amount payable
£4,341
£4,902
£5,435
£5,799
20 Year payment period
£19.37
£21.87
£24.25
£25.88
Total amount payable
£4,649
£5,250
£5,821
£6,212
25 Year payment period
£16.28
£18.38
£20.38
£21.75
Total amount payable
£4,885
£5,516
£6,116
£6,526

Notes
If you are on a tighter budget you may wish to consider Over 50 life insurance which starts from £10 a month, just click here. Whilst not a funeral plan it could help with your funeral costs.

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How do funeral plans work

As an independent company we have compared market leading plan providers looking for the best funeral plans uk. If you are over 50 and living in the UK, we recommend the Dignity Plan because it offers a more comprehensive funeral service and value for money.

Step 1 – What does a funeral plan do?

A prepaid funeral plan lets you arrange and pay for your funeral in advance, removing the financial and emotional burden from your family.

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. 

Our ‘Benefits’ section explains how a prepaid funeral plan can help you and your family. You can watch our short video, ‘Funerals, don’t leave it to chance’; try out our interactive ‘funeral calculator’ which highlights the impact inflation will have on future funeral costs versus savings and read our frequently asked questions to fully understand how the plans work


Step 2 – What do I get with a funeral plan?

Most plan providers offer 3 levels of service which are explained in our ‘Types of Plan’ section; the main differences being the quality of the coffin and whether a Limousine is included for family and friends (all plans come with a Hearse).

The majority of plans also include a contribution towards your third party costs, which includes cremation or burial fees and  the minister's and doctors charges. The Dignity plan guarantees the cremation and ministers fees listed in the plan, freezing them at today's prices. See our "Types of Plan" section for more details.

Please note that a second doctors certificate is no longer required in Scotland and as this is due to be law in England & Wales as well, some plan providers have removed this from their plans and reduced their prices.

You also have the opportunity to personalise your funeral and make any special requests, either when you apply or at a later date, such as; hymns, music, dress code, wake or party, religious or non-religious service etc.


Step 3 – Cremation Funeral or Burial Funeral?

With the Dignity Funeral Plan you can choose a cremation or burial service; or perhaps you're not sure yet, in which case you don't have to decide now - the most important thing is to secure your funeral services at today's prices and then you can tell us what you prefer when you're ready.

Whether you choose cremation or burial, it's good to know that the cost of a funeral director for conducting and arranging the funeral are frozen at today's prices no matter when in the future the plan is used.

Cremation Funeral - what you need to know

Over 80% of people choose a cremation funeral in the UK; with this option the Dignity Funeral Plan will also freeze your cremation and ministers fees at today's prices, a point worth noting as not all plans offer this guarantee on these services, which could leave your family being asked to pay more when the time comes.

You can also specify what you would like to happen to your ashes and any other special requests.

Burial Funeral - what you need to know

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

You can find out your local burial plot costs by contacting your local council or privately owned cemetery or google "your town burial plot costs" and this will usually give you the information you need.

If you already have a family burial plot or have pre-purchased your plot then the only costs will be to open the grave referred to as "interment".

The Dignity Funeral Plan offers one of the largest allowances of £1,220 towards your burial costs, which can be used towards any aspect of the burial fees, including the cost of the burial 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 burial 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).

You can specify any special requests with regards to where you would like to be buried, details of your plot or any other aspect of your funeral.


Step 4 – How much does a funeral plan cost?

Our ‘compare funeral plans prices’ section includes a comparison table that highlights plan prices with some of the UK’s leading funeral plan providers, so you can see at a glance how they compare.

We recommend that you ensure the plan provider is a member of the Funeral Planning Authority (FPA). Which includes Golden Charter, Dignity and Avalon. Perfect Choice, Age UK, the Post Office, Golden Leaves and the Co-operative funeralcare.


Step 5 – What's your budget?

Our “Ways to Pay” section shows the payment options available to you; from paying in one go to spreading your costs with instalment options between 1 and 25 years. 

If you have a budget in mind, let us know so we can talk through the various options available to you.

Hopefully there will be a plan and payment option that meets your budget.


Step 6 – Request a brochure / Get a quote / Call us / Online chat

Whether you want information on a specific plan; would like a personal quote; have some questions or would like to talk through your options, you can get in touch by requesting a brochure or quote; via email; calling our free phone number or chatting online. 

All brochures come with application forms, although you can also apply online using our link.

We love to talk and want to help you get the best plan that suits your needs, so please get in touch


 

Your questions answered

What is a funeral plan?

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.


What are the factors in deciding whether a plan with guaranteed cremation costs is best for me?

Here are some of the key factors you should consider:

 - whether you want peace of mind of guaranteeing that your family will have nothing more to pay when the time comes.

- cremation and burial costs vary by region and so where you live could have an impact on the overall cost of your funeral

- your age: the younger you are the more likely that funeral inflation will increase funeral costs over time


What are the average funeral costs in the UK?

Research carried out by SunLife shows the average cost of a funeral in the UK to be *£4,086 and this figure does not include flowers, memorials, wakes, notices or probate fees. Funeral costs are rising every year, why not use our calculator to see the impact inflation could have on future prices.


Do you offer national coverage?

Yes, we offer national coverage so it doesn’t matter where you live.


Can I have a joint funeral plan?

Yes, although please be aware that a joint funeral plan is one plan written in both names, so will only pay for one funeral, leaving the other person with no provision. You will need to take out 2 plans if you want to ensure that you are both protected.


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 are flexible and portable, (some providers, like Golden Charter for example do not guarantee that you won't have  to pay more) which means that wherever you live in mainland UK, you can choose a funeral director that accepts the provider’s plan close to you.


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 compare funeral plans in the UK for Funeral Planning Authority providers, however, we have chosen to recommend Dignity as we believe that they offer excellent value for money; guaranteeing the cost of a funeral director to arrange and conduct the funeral and your 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. 


Is the plan provider you recommend regulated by the FPA?

Yes, Dignity who we recommend are regulated by the Funeral Planning Authority (FPA) which is the main regulatory body to regulate funeral plans. Where ever you buy your plan we would recommend that they are regulated by the FPA.

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


Can I buy a plan for someone else?

Yes you can buy a funeral plan 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 purhase a plan?

Most people don't start looking for a plan until they are in their 50's, although the minimum age for some plan providers is 18 years of age, we recommend the Dignity Plan and you have to be aged 50 or over to take out a plan.


Can I have a non religious funeral?

Yes, you can choose to either have a religious funeral with a minister or a non religious funeral, known as a humanist funeral service.

If you would like the humanist service you may wish to specify this in your “special requirements or expression of wishes form” that can be held with your plan provider so when the time comes your family will be aware of your wishes.


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 Coop funeral plans currently offer this.

If paying monthly, how much extra will you 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, but the large comparison sites; Go Compare, Moneysupermarket, Confused, Money and Martin Lewis' Moneysavingexpert as of yet are not providing this service.


Why do you recommend Dignity Funeral Plans?

As an independent company we believe that the Dignity funeral plan offer excellent value for money.

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

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

Other Funeral Planning Authority regulated providers include: Cooperative Funeralcare, Golden Charter, Avalon, Perfect Choice, Golden Leaves, Choice.  Our advice is to compare all plans and ask us for advice on how the best funeral plans compare to suit your needs

.


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 options will help you with your funeral planning arrangements.


What happens if funeral costs go up?

When you purchase a funeral plan you are freezing your funeral costs at today's prices. However, you should always check whether they are freezing just your funeral directors costs or your cremation and ministers fees as well.

The Dignity plan will do this, all at today's prices; so regardless of whether funeral costs increase in the future you will have peace of mind that once paid for your family will have nothing more to pay for these services included in the Dignity Plan.


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.

They are not for everyone, as there is no service or viewing of the body so the family are unable to say their goodbyes in the normal way. The body is transported from the funeral directors or mortuary to the crematorium at a time to suit them and not the deceased's family and the ashes are then returned if requested.


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Types of Prepaid Funeral Plans

age uk funeral plansPrepaid funeral plans fall into two categories; those that offer a contribution towards your cremation and ministers fees and those that offer to guarantee them at today's prices, no matter how much they increase in the future. All plans will guarantee your funeral director's services, so it's important to be clear on which funeral plans guarantee which elements.

In February 2018 Defaqto the independent research company awarded the Dignity Diamond Plan 5 Stars meaning that it offered a comprehensive level of cover.

There are 4 levels of service, Limited, Standard, Midrange and Superior (generic names) - the differences between them is generally the quality of the coffin and whether limousines are included. (The Limited Plan has greater restrictions).

We recommend the Dignity plan as it guarantees the cost of a funeral director to arrange and conduct the funeral and cremation and ministers fees included in the plan at today's prices so you can be sure that your family will have nothing else pay - the details can be seen in the table below.

Services included in each plan
Limited Plan
Amber Plan (standard)
Pearl Plan (midrange)
Diamond Plan (superior)

For a cremation funeral the plan will:

Guarantee to cover funeral director services as listed in your chosen plan. Plus the crematorium fee & the minister's or officiant's fee equal to the amount paid for a standard funeral service

Yes
Yes
Yes
Yes

For a burial funeral the plan will:

Guarantee to cover funeral directors services as listed in your chosen plan. Plus a generous allowance of £1,220 towards burial costs, plot & minister's fees and if it's not all used the surplus will be returned to your estate (other providers don't do this). This contribution increases each year in line with RPI for the plan.s duration.

Yes
Yes
Yes
Yes

Guarantees that your family will have no more to pay for a cremation funeral

For cremation funerals that there will be no more to pay for the services as detailed in the plan regardless of when the plan is needed and how much prices increase by in the future, in addition to funeral director's fees, this includes the cremation & minister's fees - something other plans may not. 

Yes
Yes
Yes
Yes

Arranging the funeral service

Your family will receive the funeral director's guidance & advice on all aspects of arranging the funeral. Registration of the death & collection of all the necssary paperwork.

Yes
Yes
Yes
Yes

Transportation of the deceased

Collection & transportation of the deceased to the Funeral Directors premises at anytime, 24 hours a day within a 50 mile radius.

Yes
Yes
Yes
Yes

Care of the deceased prior to the cremation or burial

The funeral director will provide preparation and care of the deceased before the cremation or burial takes place - this does not include embalming, as this practice is not carried out as standard with today's modern preservation techniques (although for a small additional charge the funeral director will do this for you if required).

Yes
Yes
Yes
Yes

Viewing of the deceased in a private chapel of rest by agreed appointment

Unlike some plans with Dignity this is included with all levels of plan at no additional charge.

Normal office hours
Normal office hours
Weekdays
Anytime

The coffin: (fully lined & fitted)

The funeral director will provide a range of coffins to choose from, determined by the level of service.

Basic
Wood effect
Quality wood effect
High quality wood veneer

Funeral procession including hearse

From your home or funeral home to a service location (fees and costs at a separate location not included).

Directly to crematorium
Directly to crematorium
To service location & then to crematorium
To service location & then to crematorium

All plans come with a hearse, but you can choose whether you want limousines

One limousine will carry between 6 or 7 people.

No
No
One limo
Two limos

Attendance of funeral director & staff at the service

This will include the funeral director, the driver & pallbearers on the day.

Yes
Yes
Yes
Yes

Personalise the plan at any time

You can make special requests either when you apply for the plan or at anytime, such as, hymns, readings, music etc. Please note that requests for specific items outside of the plan, for example, coffin types or other of  significance could incur additional charges.

No
average cost of a funeral
Yes
help with funeral costs

If you move home, your plan comes with you

Should you move home your plan moves with you to a new nominated funeral director, at no extra cost.

Yes
Yes
Yes
cooperative

Ability to make additional contributions

You may wish to make additional contrbutions towards any "additional requests" during the lifetime of the plan. These will increase each year in line with RPI  .

cheap
funeral costs
Yes
saga

Complimentary thank you cards

Thank you cards provided (not all plan providers will offer this).

cheap
cheap
best
coop

Mutual agreement on the time and day during normal hours

Limited Plan: A restricted choice of date and time for the funeral will be available. Typically this means that with the Limited Funeral Plan the service will take place before 10.30am or after 3.30pm Tuesday-Thursday. You may not make any additional contributions towards the costs of any special requests. Not available on the Isle of Man..

No
Yes
Yes
Yes

National network of Funeral Directors

Dignity have over 1,200 owned or approved funeral directors. Please note that the Limited Plan has a restricted choice from approximately 800 Funeral Directors.

Limited
Yes
Yes
Yes

Whilst flowers, headstones etc are not included in any funeral plan, you can use the "Special Wishes" Form that will be placed with your plan details, to list all of your preferred requirements, such as, your favourite music, hymns and readings which will enable you to personalise your funeral plans.

Medical certification fees. For deaths where a coroner investigation is required, there are no medical certification fees. Also, changes to legislation in May 2015 mean there will no longer be a charge for a medical certification for any deaths registered in Scotland. Similar legal changes are being considered for the rest of the UK, so we do not include provision for these fees in our funeral plans. If the funeral takes place outside of Scotland, and a coroner is not involved, then if applicable, the medical certification fees must be paid by the next of kin or personal representative, when arranging the funeral..

When you call we can advise you on the specific details of each funeral plan or you can request a brochure for more information.

As an alternative, if you are looking for Over 50 Life Insurance from £10 a month you can compare plans here.

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Funeral Plan Reviews

Taking time to review and compare funeral plans is an important decision. Cheap funeral plans may look ok in terms of initial cost however if there are hidden extras that your family will need to arrange and pay for when the time comes, it could be a false economy.

So to help guide you through the process of buying the right plan we have compiled a review of all leading plan providers including:

Once you have reviewed your chosen plans please ask for a quote so you can compare plans alongside each other.


Prepaid funeral plan benefits

Get a quote
 
  • Save money when comparing plans: freeze funeral costs at today's prices
  • Your acceptance is guaranteed, no medical or health questions
  • Relieve your family from having to make difficult emotional and financial decisions when the time comes
  • Arrange everything in advance - say goodbye your way
  • Include your final wishes as part of the funeral plan, so you're family know what you want
  • Get the best funeral plans at the right price by shopping around, something families are reluctant to do when arranging a funeral
  • Use the services of a local funeral director but with the security of a national provider

How secure is your money?

We recommend you choose a provider that is registered with the Funeral Planning Authority (FPA).

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.

Prepaid funeral plans are yet to be regulated by the FCA.

Find out more

Best Prepaid Funeral Plans for you?

When choosing the best funeral insurance, price of course is important but there are some differences between plan providers that you may want to take into consideration. We can help you look at the options available to you so you can be certain to choose a funeral plan that fully meets your requirements.

As an independent company we have chosen to recommend Dignity prepaid funeral plans:

  • As well as the funeral directors costs they also guarantee your cremation fees at today's prices
  • Award winning customer service
  • Joint funeral plan option
  • Competitive monthly payment options
  • All coffins are bio-degradable
  • Generous allowance of £1,200 for burial funerals
  • National coverage

And don't forget...

We offer the same funeral plans as going directly to the provider with additional savings.

You can read more information in our blog: Funeral Plan Review. 

For a personalised quotation and to discuss your options please call us free on 0800 133 7656.

Find out more

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Funeral Costs

Funeral costs in the UK have out stripped inflation every year for the last 15 years. In 2004 you would have expected to pay around £1,920 for funeral costs, however according to the latest SunLife Cost of Dying Report that figure has more than doubled to a whopping £4,271 – not a small sum of money for any family to find.  

Over50choices has helped thousands of people arrange and pay for funeral costs in advance and our 9.5 ‘excellent’ rated Trustpilot score demonstrates the high level of customer service we provide. And once the funeral plan has been arranged, you can forget about it and get on with the serious business of living your life but with complete peace of mind knowing your family are protected.

Request a Brochure

Funeral Insurance 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 50 life insurance plan. 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. 

Important information to know before buying a funeral plan

Before choosing your prepaid funeral plan it is important to know all the details - which is where we can help.

Our short video opposite will help you avoid these pitfalls or please read on..........

All pre-paid funeral plans guarantee your funeral directors services frozen at today's prices - which includes their professional advice and support, the hearse, coffin, care of the deceased and attendance on the day; you can check full details in our "Types of Plan" section.

However, a large part of the overall funeral costs are made up of what are known as 3rd party costs or disbursements, which are the cremation or burial fees, ministers fees and where appropriate doctors fees*.

With cremation funerals, most prepaid funeral plan providers only provide a contribution towards these 3rd party costs, which means that there could be a shortfall when the time comes that your family will have to pay. This is not the case with a Dignity Prepaid Funeral Plan.

Dignity funeral plans also guarantee to freeze your cremation and ministers fees at today's prices so you can be sure that your family will have nothing more to pay for these services as detailed in the plan, no matter when it is in the future.

The following plan providers only make a contribution towards these 3rd party costs: funeral insurance

Avalon / Golden Charter / Perfect Choice / Safe Hands / Golden Leaves / Choices / Open Prepaid Funerals / Liberty 

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

In addition, Defaqto, the independent financial information business has awarded the Dignity Diamond Plan 5 Stars; all other providers listed here received only 3 Stars for their equivalent plan reflecting a lowel level of cover. 

We recommend Dignity Funeral Plans

As an independent company, if you are over 50 years of age, we have chosen to recommend the Dignity Funeral Plan for all of our UK business as we believe that they offer excellent value for money, including:

  • Award winning customer service
  • Bio-degradeable coffins - eco-friendly
  • If you move, the plan moves with you at no extra cost
  • Joint funeral plans option
  • Competitive monthly payment options
  • National coverage
  • Guaranteed cremation & ministers fees, aswell as funeral director's services listed in the plan frozen at today's prices
  • For burial funerals, a generous allowance of £1,220 towards burial costs, including burial plot

Will you pay more for these benefits?

When it comes to your funeral you want to be sure of the highest standards and that your family will not have any nasty financial surprises and that's why we recommend the Dignity Prepaid Funeral Plan.

Request a Brochure

*some plan providers allowance will also contribute towards doctors fees, not applicable in Scotland & planned to be removed in England Wales

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.

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Funeral Planning made easy with Over50choices

We believe that finding the right prepaid funeral plan is important, speak to one of our experienced advisers: Call free on 0800 133 7656.

Not all funeral plans are the same

Whilst all prepaid funeral plans will guarantee your funeral directors services at today's prices; the following plan providers do NOT guarantee that your cremation and ministers fees will be fully paid for; but provide a contribution towards these costs, so your family could be asked to pay more for these services when the time comes:

Golden Charter                  Liberty
Choice funeral                   Open prepaid funerals
Avalon                                 Safe Hands
Golden Leaves

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If you want peace of mind that all these costs WILL BE GUARANTEED, in addition to all of your funeral directors costs, then the Dignity Funeral Plan will do this for you.

In fact in May 2017 the Dignity Diamond Plan was awarded a 5 Star Rating from Defaqto, the independent financial information business.

And for burials, as well as guaranteeing the costs of a funeral director to arrange and conduct the funeral, Dignity also provide a generous allowance of £1,220 for third party burial fees - which could be used  to help with the purchase of the burial plot.

*Sun Life cost of dying report for historical funeral and current average funeral costs of £4,086. And Royal London National Funeral Cost Index 2017 for average inflation of 5.5%.

Prepaid Funeral Plans in Europe

In addition to the UK, if you are looking for a funeral plan and you live in Spain, Portugal, Cyprus and the Canaries. Or if you have a second home in any of these countries, then we have a plan that will provide cover there and in the UK.

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

Read more...

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

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