Option 1

Monthly Payment Funeral Plans from £16.28 a month

Lets you arrange & pay for your funeral at today's prices

There are 4 plans to choose from

Limited Plan - has some restrictions        Get a quote
No of Years Deposit Monthly Payment Total Amount Payable ^Potential Savings
1 None £257.91 £3,095 £5,605
3 None £93.47 £3,365 £5,335
5 None £59.08 £3,545 £5,155
10 None £33.06 £3,968 £4,732
15 None £24.11 £4,341 £4,359
20 None £19.37 £4,649 £6,722
25 None £16.28 £4,885 £9,202
Standard (Amber)  Plan - no restrictions Get a quote
No of Years  Deposit  Monthly Payment Total Amount Payable Potential Savings
1 Year None £291.25 £3,495 £5,205
3 Years None £105.55 £3,800 £4,900
5 Years None £66.72 £4,003 £4,697
10 Years None £37.34 £4,481 £4,219
15 Years None £27.23 £4,902 £3,798
20 Years None £21.87 £5,250 £6,121
25 Years None £18.38 £5,470 £8,617
Midrange (Pearl) Plan - 1 Limousine        Get a quote
No of Years  Deposit  Monthly Payment Total Amount Payable Potential Savings
1 Year None £322.91 £3,875 £4,825
3 Years None £117.03 £4,213 £4,487
5 Years None £73.97 £4,439 £4,351
10 Years None £41.40 £4,968 £3,732
15 Years None £30.19 £5,434 £3,266
20 Years None £24.25 £5,821 £5,550
25 Years None £20.38 £6,116 £7,971
Superior (Diamond) Plan - 2 Limousines Get a quote
No of Years  Deposit  Monthly Payment Total Amount Payable Potential Savings
1 Year None £344.58 £4,135 £4,565
3 Years None £124.88 £4,496 £4,204
5 Years None £78.93 £4,736 £3,964
10 Years None £44.17 £5,302 £3,398
15 Years None £32.21 £5,799 £2,901
20 Years None £25.88 £6,212 £5,159
25 Years None £21.75 £6,472 £7,615

Potential savings from payment tables explained

  • Potential savings are based on the predicted cost of a funeral in 15 years (as an example) time for payments from 2 to 15 years. The 20 year savings are based on living 20 years and 25 year savings based on living 25 years ; if you live longer the savings could be even greater 
  • once the plan is paid for there is nothing more to pay for the services included, no matter when it's needed
  • if you die during the payment period, all your payments will go towards your funeral and any shortfall made up by your family, but at today's prices (they will not have to pay for any price rises) potentially saving them £000's.

Without a funeral plan your family will need to make all of the arrangements & pay for all of the funeral costs, whatever they may have risen to.

An example 

A 55 year old pays £5,301 in total for a 10 year (superior) plan. If he lives until he is 75 he could have saved his family £6,070, as the costs are frozen at today's prices.

And don't forget, aswell as removing the financial burden from your family at this difficult time, you will also be removing the upsetting job of arranging your funeral - just one phone call and the funeral director will take care of everything.

Funeral Inflation

The 2017 SunLife Cost of Dying Report said if prices continue to rise at the same rate as the last 10 years the average cost of a funeral will be:

£5,094 in 5 Years   |   £6,657 in 10 Years   |   £8,700 in 15 Years   |   £11,371 in 20 Years  |   £14,087 in 25 Years

Looking at these figures you can see that even with the additional charges of paying monthly you will potentially be saving money.

Get a quote

Why we recommend the Dignity Plan

The Dignity funeral plan guarantees 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: 

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

In addition, Defaqto, the independent financial information business has awarded the Dignity Diamond Plan 5 Stars. 

Get a quote

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 & return.

Brochure Request

Apply online

Applying online is quick & easy.

Apply Online

Email

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

 

Option 2

Over 50 Life Insurance from £3.90 a month

Leaves your family with a cash sum that can help with funeral costs

Compare Over 50s Life Insurance to ensure you choose a life insurance plan that suits your needs:

From £10 a month: you can compare leading providers with our partner Assured Futures, they are even on hand to give advice if you need it

 
 

What's the difference between a funeral plan & over 50 life insurance?

  1. A funeral plan lets you pre-arrange your funeral at today's prices removing the emotional and financial burden from your family / An over 50 life plan is a life insurance plan that will pay out a cash sum when you die that your family can use to help with funeral costs
  2. You are fully covered for the guaranteed services included in the funeral plan once you have competed your chosen instalment period (up to 15yrs) / With a life insurance plan you pay monthly premiums either until you die or your 90th birthday and are covered for the full cash sum after the first one or two years (depending on the plan)
  3. Once you have completed your funeral plan instalments there will be nothing more to pay for the services included in the plan, no matter when it is in the future – As you pay your life insurance for life or until you are 90, there is a chance you will pay more in monthly premiums than the cash sum paid out   
  4. If you die before you have completed your funeral plan instalments, the money you have paid into the plan will go towards the cost of the funeral and your family will just need to pay the balance based on the pre- agreed price – If you die after the first one or two years with an Over 50 life insurance plan the full cash sum is paid out; this is a fixed amount so inflation will reduce its value over time
  5. Neither plan requires you to have a medical or answer any health questions - your acceptance is guaranteed
  6. Generally an over 50 life insurance plan will have lower monthly premiums, so if you are on a budget this could be the right option for you.

Get a funeral plan quote

It's a fact that someone will need to be pay for your funeral costs, if you don't, who will?

A monthly plan could help to ensure that you don't leave a financial burden on your family.

   

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