Pre Paid Funeral Plans: What Are They?

Unfortunately, death is inevitable. While the topic isn’t one most people like to dwell on, some early planning and preparation is important to alleviate stress, financial and otherwise, for your surviving loved ones. One option many in the UK turn to are pre paid funerals.

When it comes to considering how to make your own funeral arrangements, it’s natural to have questions or feel nervous about getting into the finer details.

However, while it may feel uncomfortable or even morbid to consider the costs and arrangements, doing so can help protect you from inflating funeral costs whilst ensuring your wishes are fulfilled. Since SunLife first began analysing funeral prices in 2004, the cost of a funeral in the UK has more than doubled. This is especially true for residents of the capital; in London, the average funeral now costs £5,529, a figure that’s 42% higher than the national average!

If you fail to put in place plans before you die, your loved ones can be left to bear the emotional burden of organising your funeral, not to mention finding the funds to cover the cost of it. A prepaid funeral plan can put your mind at ease whilst also helping your loved ones feel more comfortable that everything will be handled after you pass away.

What I Learned About Funeral Plans

UP UNTIL LAST YEAR, I'D NEVER HEARD OF 'PRE-PAID FUNERALS'

But about 10 months ago my uncle was killed in a car accident. At only 52, he had made no preparations should he pass away unexpectedly. My aunt, along with myself and the rest of my family, handled all of the funeral plans on our own.

Since then, I’ve been looking into how a pre-paid funeral can help my family. There’s a lot an individual can do to plan their own funeral. Even if you’re young, healthy and have no reason to believe you’ll die anytime soon, pre-paid funeral preparations provide peace of mind.

I wager I’m not the only person who had some confusion about paying for a funeral in advance, including average funeral costs. So after doing the research for myself, I put together this complete guide about prepaid funeral plans.

If you’re looking to learn about the best prepaid funeral plans, the cheapest funeral plans and everything in-between, you’re in the right place. My guide will help you compare funeral plans and find the best solution for both you and your family:

What is a Pre Paid Funeral Plan?

Also known as a funeral care plan, prepaid funerals are for anyone who wants to pre pay for their funeral expenses well before they’re necessary. There are a few reasons why you’d want a funeral prepayment plan:

  • Your family doesn’t have to pay for your funeral out of their own pocket.
  • Your family also doesn’t have to plan a funeral while they’re grieving.
  • Your funeral wishes are chosen directly by you.

Funeral prepayment plans can be purchased directly from a funeral director or from a specialised funeral-plan provider. Some people prefer to purchase directly from the funeral home, as these are often the best value funeral plans. Other people find a provider is easier for funeral plan comparison.

What Are Pay Monthly Funeral Expenses?

Payment options

Why Take Out A Prepaid Funeral Plan?


Paying for Your Funeral in Advance is a Great Way to Save Money

Inflation causes the price of basically, well, everything to rise over time. This includes many of the products and services associated with funerals. If you can pay now for a “guaranteed rate” you’ll get a better deal on a coffin, funeral service, body transportation and more. The earlier you pre pay funeral expenses the more you’ll save.

More Payment Options

Reduced Stress for Your Family

Allows for Your Wishes To Be Followed

Helps You Deal With, and Stay Protected Against Mental Impairment


Policies, Best Practices & Authorities

What is the best funeral plan?

Your Estate

In some cases, you might not want to pre purchase any type of funeral plan. If your heirs don’t need access to your money right away, and you have a thorough will detailing your wishes, pre purchasing a plan might not be worth the trouble. Note that this is not a common scenario, however. Even if money is not much of an issue, most people prefer a pre pay funeral in order to ease the burden on their surviving friends and family.

Your Family

The types of issues you need to prepare for depends on your family’s specific needs. If you normally pay the monthly bills, then your family will need to know how to access those accounts. A Financial Factsheet is useful here.

A Financial Factsheet is a document detailing the various financial accounts your family will need to know about. You’ll also want to detail all the household services such as electricity, milk delivery and even Netflix. The members of your household will need to know about all reoccurring bills in your name.

Picking which funeral plan will work best requires you to analyse each of the above factors. Most likely, you’ll want to choose some type of plan. Depending on your current age and financial status, you can make low monthly payments and save money on your funeral plans.

My Experience

I wasn’t really looking to plan my own funeral. So at first I concentrated solely on helping my parents pay for a funeral in advance. Together, we sorted through many funeral plan quotes. There were many funeral plans for over 60 but we eventually settled on a prepaid cremation plan for my dad and a burial service with various prepaid funeral arrangements for mum if she was the first to die.

After that was all settled, I decided to look into prepayment funerals for under 50s. This was for myself. My children are very young, so they wouldn’t be planning a funeral anyway. But why put my family through the hassle? I started my search by only considering guaranteed funeral plans. This way my family wouldn’t have to pay additional fees down the road.

I found what I feel is the best funeral plan for under 50. Using a funeral savings plan allows me to make small monthly payments. The entire process was surprisingly comfortable. Instead of making me feel depressed or afraid, I was actually relieved that something so important for my family was now taken care. After explaining this to my wife, we decided to pre pay funeral expenses for her, too. Now we have joint funeral plans. This saved us a bit of money as well as makes our personal record-keeping easy.

As it turns out, my uncle left a blessing in disguise. A good portion of my entire family, including much of my extended family, has purchased funeral plans. This has brought us all peace of mind – while also saving everyone some money, too.

How to preplan a funeral

When it comes to making pre arranged funeral plans, there are some things you can do to make the process that little bit easier on everyone involved:

Consider some non-negotiables before meeting with any funeral directors.

Your funeral is deeply personal, and it’s only natural that you’d want something that reflects your wishes and personality. It’s therefore a good idea to make a list of things you want before you start comparing plans or enquiring about the best funeral plans for you. Some questions to consider include:

  • Do you want to be buried or cremated following the funeral ceremony?
  • Where do you want the ceremony to take place?
  • How many people do you want in attendance?
  • Do you want your memorial to take place in a church/place of worship or in a funeral home?
  • Do you want a viewing beforehand. If so, is this to be open or closed casket?
  • Do you want a graveside service following the funeral ceremony?

Considering the key aspects of your burial will help you narrow down the options when it comes to in-depth planning.

Ask for help.

Just because it’s your funeral doesn’t mean 100% of the planning duties necessarily need to fall to you. If you want some assistance when it comes to planning, ask family or even a close friend if they can help. It may be that they’ve already planned a funeral, be it there’s or someone else’s, and have some expertise they can share with you. It can also help you ensure that someone else is aware of your wishes, which can give you confidence that everything will be carried out as you intend when you are not here to oversee it.

Don’t bow to pressure.

Whether it’s coming from family, a plan provider or a funeral home, pressure into a decision should never be taken lightly. While it’s important to make sure plans are made, bowing to sales pitches or pressure from loved ones can mean you choose something that doesn’t meet your requirements and fulfil your wishes. Take your time to compare different plans and offerings, and only choose something when you feel completely comfortable.

Create a funeral planning checklist.

You can download a pre-made checklist that will present you with a number of things you’ll need to think about when you’re wondering how to make your own funeral arrangements. This list includes the basics along with little things you may not have thought about, such as flowers and decor, food and catering, pre- and post-funeral plans and even how to announce funeral arrangements.

Prepaid Funeral Questions

It’s natural to have questions, and at FuneralGuide.co.uk, we are here to provide easy-to-understand, honest advice when it matters most. If you are unsure of how to prepare for funeral arrangements or whether or not a prepaid plan is right for you, we have compiled a list of some frequently asked questions that can help you make your decision with your loved ones easier....

What are the basics of a prepaid funeral?

What are the benefits of a fixed price funeral plan?

How much is a funeral plan?

What should I consider when comparing monthly payment funeral plans?

Are prepaid funeral plans a good idea?

Are there any disadvantages?

How else can I pay for my funeral?