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Ready to get a Funeral quote?
Comparing funeral plans is an important part of finding the right funeral plan that suits your needs and your budget.
So if you're ready to compare quotes. Simply visit our comparison table:
Compare quotes
Ready to get a Funeral quote?
Comparing funeral plans is an important part of finding the right funeral plan that suits your needs and your budget.
So if you're ready to compare quotes. Simply visit our comparison table:
Compare quotes
FAQ's
Most prepaid plans give you the option to choose either a burial or cremation funeral but the way the plan works for each service may differ. For example, leading funeral plan providers such as Golden Leaves and Dignity guarantee the cremation fees but make a contribution towards burial fees.
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Our aim is to provide you with clear and accurate information to help you research your chosen financial products and services. The material on this site is for general information only and does not constitute any form of advice or recommendation.
If a link has an * by it, it means it is an affiliated link to an insurance company or broker that may result in a payment to the site. Should you use the equity release calculator, speak to an Age Partnership adviser and take out a plan out using their services, we receive a commission, however this will not affect the price you pay.
Also, from time to time you may see advertisements from third party companies who pay us a fee to advertise their services on our site.
None of the above arrangements constitute advice or recommendations, as other products and companies are available. You should always obtain independent, professional advice for your own situation.
The information provided on this site is accurate at the date of publication, occasionally however, things will change before we have had the opportunity to update them, so please do check. Always do your own research and take independent advice.
We do not investigate the solvency of any company mentioned on our website and are not responsible for the content on websites we link to.
Over50choices is an independent company and regulated by the FCA (No.594280) for insurance products only and a member of the Equity Release Council.
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What Are The Different Types Of Equity Release?
Equity release will let you unlock the value from your home without having to move property. It gives you the opportunity to benefit from tax free cash without the immediate worry of having to make repayments.
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Compare insurance quotes
Reviewing and comparing insurance plans is quick, easy to do and can save you money.
- Understand your insurance choices
- Find the right type of insurance plan
- Shop around and compare prices
- Get the right cover at the right price
In this guide: reviews & free car, home, health, life & travel insurance guides
| Feature | Memoria Direct Cremation - Prepaid Plan | Golden Leaves – Copper Plan (Direct Cremation) | Co-op Funerlcare - Direct Cremation plan |
|---|---|---|---|
| Trustpilot rating | 4.9★ (6,000+ reviews) | 4.8★ (5,110 reviews) | 4.5★ (3,434+ reviews) |
| Regulation | FCA authorised | FCA authorised | FCA authorised |
| Price (from) | £1,595 | £1,700 | £1,700 (£1,625 for members) |
| Payment options | Pay in full • 12 months interest-free • Finance options available | Pay in full • 12 months interest-free • Up to 8 years with finance (charges apply) | Pay in full • 12 months interest-free • Up To 5 Years with charges. |
| What’s included | Nationwide collection, care & preparation, simple coffin, cremation fees guaranteed, ashes returned or scattered | Nationwide collection, care & preparation, coffin, cremation fees guaranteed (Mon–Fri single slot), ashes returned or scattered | Collection (within 50 miles), care & preparation, simple coffin, cremation fees guaranteed, ashes returned or scattered. |
| What’s not included | Attended service, choice of date/time, viewing, embalming, limousines, extras | Attended service, viewing, embalming, pallbearers, limousines, extras | Attended service, choice of date/time, viewing/chapel visits, extras (flowers, limousines, notices) |
| Coverage | Nationwide service using Memoria-owned crematoria and funeral facilities | Delivered via network of independent funeral directors (arranged remotely) | 800+ Co-op branches nationwide, access to face-to-face service |
| Feature | Lifetime Mortgage | Residential Mortgage |
|---|---|---|
| Mortgage Term | There is no fixed term – the mortgage lasts as long as you (and your partner if it’s a joint plan) live or move into permanent care. | You agree a fixed term (i.e. 25 years) by which time the loan should be repaid. |
| Monthly Repayments | There are no monthly repayments, instead the loan and interest charged is repaid once you have died or moved into long term care and the property is sold. (there are plans that allow you to make repayments if you prefer). | You pay monthly for the duration of the mortgage term. |
| The Interest |
The interest is added to the loan including any interest already accrued on either a monthly or annual basis – known as rolled up or compound interest. With a drawdown lifetime mortgage you only pay interest on the money you have released, not the money held in the cash reserve facility for future use. |
With a Repayment mortgage you make monthly payments against both the interest and the original loan. With an Interest Only Mortgage you make monthly payments against the interest only and then pay off the original loan at the end of the term. |
| The Interest Rates | A fixed interest rate that is charged for the life of the mortgage. If you have a drawdown lifetime mortgage, you may be charged a different interest rate for each withdrawal based on the rates at that particular time. | You can choose between either fixed or variable interest rates |
| Financial status | No assessment is made during the application as to whether you can afford the mortgage, unless you choose a plan with a monthly repayment option. | Your financial situation is assessed to ensure you can afford the monthly payments. |
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Quick Summary: Direct Cremation Compared
Memoria Direct Cremation Plan: £1,595 (one-off payment). A simple, fully guaranteed direct cremation plan with UK-wide collection from anywhere in mainland UK. Includes professional care, a quality coffin, cremation at a Memoria crematorium or approved partner, support with paperwork, and ashes hand-delivered to the family or scattered in memorial gardens. Trustpilot 4.9★ (3,400+ reviews).Co-op Funeralcare Direct Cremation: From £1,700 (or £1,625 for members). Includes collection (within 50 miles), care, a simple coffin, and cremation fees guaranteed. Instalments up to 12 months interest-free, or up to 5 years with charges. Trustpilot 4.5★ (3,434 reviews).
Golden Leaves Copper Plan: From £1,700. Includes collection nationwide, coffin, cremation fees guaranteed, and ashes returned. Doctors’ fees are not included. Instalments up to 12 months interest-free, or up to 8 years (finance with interest). Trustpilot 4.8★ (5,110 reviews).
In short: All three providers offer prepaid direct cremations, but Memoria is the lowest-priced of the three and has the highest Trustpilot rating. Co-op stands out for face-to-face support via 800+ branches, while Golden Leaves offers longer instalment terms and strong customer satisfaction.
| Pros | Cons |
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