Prepaid Funeral Plans
A prepaid funeral plan lets you arrange and pay for your funeral in advance, at today’s prices. It’s one of the most thoughtful ways to plan ahead — protecting your family from rising costs and difficult decisions.
How Prepaid Funeral Plans Work
- Choose your plan — Select the type of service (cremation or burial) and the options you want
- Pay in full or monthly — Pay a lump sum or spread the cost over monthly instalments
- Your plan is held by the provider — Your money is held securely until it’s needed
- When the time comes — The funeral director carries out the service as specified in your plan
What Are the Benefits?
Fix Costs at Today’s Prices
Funeral costs in the UK have risen over 60% in the last decade. A prepaid plan locks in the funeral director’s services at today’s prices, protecting against future inflation.
Spare Your Family from Difficult Decisions
When a loved one passes, families are often faced with dozens of decisions under emotional pressure. A prepaid plan removes that burden — your wishes are already documented and arranged.
Flexible Payment Options
Most providers offer two ways to pay:
| Payment Method | Details |
|---|---|
| Lump sum | Pay the full amount upfront |
| Monthly instalments | Spread the cost over 1, 3, 5, or 10 years (interest may apply) |
Specify Your Wishes
With a prepaid plan, you can document exactly what you want — from the type of service to the music, readings, and flowers. This ensures your funeral reflects your wishes.
What’s Included in a Prepaid Plan?
Most prepaid funeral plans include:
- ✅ Funeral director’s professional services
- ✅ Collection and care of the deceased
- ✅ A coffin or casket (specified in plan)
- ✅ Hearse and transport to the ceremony
- ✅ Cremation or burial arrangements
- ✅ A dedicated contact for the family
Things that may not be included:
- ❌ Burial plot costs (varies by cemetery)
- ❌ Minister’s or celebrant’s fees (third-party cost)
- ❌ Cremation or burial fees (some plans include these)
- ❌ Flowers, catering, and headstones
Is My Money Safe?
Prepaid funeral plans from FCA-regulated providers offer financial protection for the money you pay in. The provider holds your funds in a secure trust or insurance arrangement. Always check that your provider is FCA-regulated before purchasing.
Funeral plans themselves are not regulated by the FCA. Free information is available from Age UK at ageuk.org.uk or by calling 0800 169 6565.
Prepaid vs. Funeral Insurance
| Feature | Prepaid Funeral Plan | Over-50s Funeral Insurance |
|---|---|---|
| How it works | Pay for services in advance | Pay monthly premiums until death |
| Cost | Fixed (paid upfront or in instalments) | Ongoing premiums (may cost more over time) |
| Payout | Funeral services provided | Fixed cash sum paid to family |
| Price guarantee | Costs fixed at today’s prices | Payout may not cover full funeral cost |
| Cancelation | Terms vary by provider | Stop paying = cover ends |
How to Get a Prepaid Funeral Plan
- Complete our free form — Answer a few quick questions about your needs
- Speak to an advisor — We’ll match you with trusted, FCA-regulated providers
- Compare quotes — Review plans and pricing with no obligation
- Choose your plan — Select the plan that’s right for you
Ready to plan ahead? Use the form above or get a free prepaid funeral quote →
Get Your Free Quote
Plan ahead with peace of mind. Takes 60 seconds, no obligation.