Compare Funeral Plan Quotes

  • Avoid rising funeral costs
  • Guaranteed acceptance
  • Various payment options available
  • Funeral Planning Authority (FPA) regulated
  • Funeral is covered after 12 months
  • Prices from £20.38 a month*
Prepaid funeral plans summary points

A prepaid funeral plan allows you to pay for your funeral in advance, protecting your loved ones from higher funeral prices in the future.

All funeral plans provided through Reassured are approved by the Funeral Planning Authority (FPA) and guarantee to cover your funeral costs after just 12 months.

Reassured is an independent, FCA registered broker that compares funeral plan quotes on your behalf, saving you the hassle.

What is a funeral plan? Find out all you need to know in our short video:

We provide all the information you need regarding each of the plans and help you select the option that’s most suited to your needs and budget.

And the best bit is, we don’t charge a fee for our award-winning service; we’re simply dedicated to finding you the cover you need.

Read on to learn more about funeral plans and how they work...

What is a funeral plan?

A funeral plan allows you to arrange and pay for all your essential funeral services in advance.

It means that the financial responsibility of your funeral becomes your own and that your loved ones won’t have to worry about the expense when the time comes.

Unlike life insurance, a funeral plan allows you to pay today’s prices for your funeral and avoid rising funeral costs.

Did you know?

According to a 2020 report from SunLife, the average total cost of dying is now £9,493[1].

Monthly payment options give you the flexibility to spread the cost according to your budget.

Funeral plans arranged through Reassured guarantee acceptance.

This means that anyone can take out a plan as long as they are above the minimum age as specified by the plan provider.

And, the cost of your plan isn’t affected by your health or other personal factors.

Why arrange a funeral plan today?

Funeral costs have been rising at an unprecedented rate (+130% since 2004).

The average cost of a basic funeral in the UK now stands at £4,417 and this doesn’t include the send-off costs such as a memorial, flowers or catering.

This is a significant expense to leave behind as it is. However, funeral costs are forecasted to rise a further 20% in the next 5 years.

Which means the average cost of just a basic funeral may exceed £5,000.

One way to avoid these rising funeral costs is to take out a funeral plan.

This is because the amount you pay for your funeral plan today remains fixed at today’s prices.

Which means that when the time comes, all the services agreed in your plan will be carried out at no extra cost to your loved ones, even if prices have risen.

Ultimately, a prepaid funeral plan removes the uncertainty of how much your loved ones may have to pay in 10, 20 or 30 years’ time for your funeral.

Lock-in your funeral cost today with a fully guaranteed funeral plan through Reassured.

Cost of funerals infographic UK

How much does a funeral cost in your area?

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Avoid rising funeral costs. Protect loved ones. Buy a funeral plan today.

This calculator uses data from the SunLife Cost of Dying Report 2020 and should only be used as a guide.

How much is a funeral plan?

How much your prepaid funeral plan costs, will depend on a number of factors.

Firstly, the cost of your funeral plan will depend on the flexibility and level of service that the plan provides.

Fortunately, you can choose a plan that meets your requirements and that’s within your budget.

But you may also wish to add to or enhance your funeral plan, which will come at an additional cost.

Secondly, the cost of a funeral plan will vary with each provider (and not all providers will offer the best value for money).

That’s why it’s important to compare multiple funeral plans.

At Reassured, we can do exactly that on your behalf; saving you time and money.

We’ll do our utmost to find you a funeral plan to meet your needs and match your budget.

What’s included in a funeral plan?

What’s included in a funeral plan will depend on the plan you choose.

But all funeral plans will include the essential services required for a cremation or burial funeral (and arranged according to your wishes).

Meaning that loved ones can focus more on the personal elements of the funeral, such as organising the flowers or writing the eulogy.

Funeral plans arranged through Reassured guarantee to cover the following funeral director services:

Professional guidance and support provided a funeral director

Help with all the necessary arrangements

24-hour transfer to a suitable place of rest within a 50-mile radius

Care and preparation of the deceased

Use of the chapel of rest for loved ones to visit

A coffin or casket

A hearse and pallbearers

Free bereavement assistance

The cost varies for each plan as these services can be enhanced or added to, depending on your requirements.

As well as funeral director services there are also third-party services to consider.

Third-party services include:

  • Doctors’ fees to certify the death
  • The minister or celebrant to hold the ceremony
  • The crematorium or cemetery to carry out the cremation or burial

Reassured can help you arrange a funeral plan that covers the cost of all these essential third-party services.

Simply request FREE quotes for our fully guaranteed Co-op funeral plans.

Please note: funeral plans won’t cover the cost of a burial plot as these vary significantly across the UK.

Direct cremation funeral plans

A direct cremation funeral plan includes the most basic services for a cremation and excludes a traditional funeral service.

Making them ideal for people who don’t want the additional expense, and would prefer a more simple way to be laid to rest.

You can arrange a cremation only funeral plan through Reassured from as little as £16.51** a month.

Get in touch today to compare quotes and freeze your cremation costs today.

Funeral plan payment options

All funeral plans arranged through Reassured offer flexible payment options.

You can choose to pay in full or spread the cost over a short or long term period.

Payment options vary between funeral plan providers, but generally, these are:

  • A one-off single payment
  • 6 or 12 monthly payments
  • Monthly instalments from 2-25 years

Generally, if you choose to spread the cost over more than 12 months, instalment charges will apply.

And all payments must be complete by a certain birthday, such as your 80th.

Discuss funeral plan payment options for your chosen plan, with one of our friendly team.

Paying by instalments over 12 months

If you purchase a funeral plan through Reassured and choose to pay by instalments, then you’ll have peace of mind that after the first 12 months of your plan, your funeral is covered.

This is to ensure that your loved ones are still protected from the expense of your funeral in the case you were to pass away before finishing all your payments.

Providing all payments are up to date and your plan has been in place for at least 12 months, you’ll be eligible for this additional level of cover.

Accidental death is covered from day one of taking out a plan, as long as all payments are up to date.

To arrange a funeral plan that includes this benefit, contact Reassured today.

How do funeral plans work?

Funeral plans arranged through Reassured, work in this order:

Choose a funeral plan based on your needs and budget

One of our representatives will help set up the plan

Choose your payment option (in full or monthly payments)

We’ll set up your direct debit (if applicable), but you won’t need to make any payment today

The provider will send your plan pack in the post with all the details of your plan included

Once you've taken out your plan, the plan provider will put you in touch with one of their representatives and with your local nominated funeral director.

If you have a preferred funeral director, then some plans will allow you to appoint them to carry out your funeral.

Using the guidance and expertise of the funeral director, you'll be able to plan your funeral in advance.

When the time comes, your loved ones would just need to make a phone call and the funeral arrangements will be set in motion.

Funds paid into your funeral plan will be released to the funeral director, rather than to family so that costs can be covered right away.

For more information on funeral plans, contact our dedicated team.

Are funeral plans safe?

All funeral plans arranged through Reassured are FPA approved, meaning funds paid into your plan are kept safe until you need them.

This is because the regulations set out by the Funeral Planning Authority ensure the protection of funeral plan customers and their money.

It is important to ensure that your funeral plan is FPA approved, (5% of the market are not).

Arrange your funeral plan through Reassured and you’ll have peace of mind that your investment is safe.

Reassured is also regulated by the Financial Conduct Authority (FCA), meaning we must abide by their strict code of practice and uphold a standard of service for the protection of our customers.

It also means that we are impartial in regards to the funeral plans we arrange, placing you in control of your decision.

Contact our team today for your free, no-obligation funeral plan quotes.

Joint funeral plans

A joint funeral plan is a single funeral plan placed in two names.

The plan will only cover one funeral, usually for the first death so that the surviving partner doesn’t have to fund or arrange the funeral.

This leaves the second named person without cover, and their funeral will need to be paid for by their estate or by loved ones.

At Reassured, we believe that anyone with a family would benefit from having an individual funeral plan in place.

However, joint funeral plans can be arranged through us - simply let us know this is what you require, and we’ll provide you with the relevant quotes.

Funeral plans vs life insurance

Frequently the terms funeral plan and life insurance are used interchangeably, however, they are significantly different products - each with benefits.

The main benefit of a funeral plan is that it allows you to pay for your funeral at today’s rate.

Unlike some life insurance policies, the amount you pay for a funeral plan is fixed – you know exactly how much you'll pay from the outset.

Life insurance on the other hand commonly provides a much higher level of cover.

Read our in-depth article on the pros and cons of a funeral plan »

Upon your death, your loved ones are provided with a lump sum pay out.

A life insurance pay out could be used for full mortgage repayment, clearing debts, covering family living costs or providing an inheritance.

Whilst the sum from a life insurance policy could also be used to cover the cost of a funeral, it does mean that you'd pay the going rate at the time of death.

It is possible to arrange both life insurance and a funeral plan simultaneously…

Not necessarily a funeral plan or a life policy

Taking out a funeral plan and life insurance policy simultaneously can mean securing today’s funeral price, whilst also providing your family with a cash sum.

Obviously, this full life/funeral insurance solution is subject to your budget.

Remember, as you approach retirement your available budget is likely to change, so it is sensible to consider your long-term plan.

As the UK’s largest life insurance broker, we are able to provide you with both personalised funeral plan and life insurance quotes.

Simply get in touch with our award-winning team to discuss your options.

Buy a funeral plan

At Reassured, we will provide you with a range of funeral plan quotes as well as all the information you need to make an informed decision.

All funeral plans purchased through Reassured are fully regulated by the FPA ensuring that you and your money are protected.

Our award-winning, FCA registered broker service is completely free of charge for you to use.

Get in touch to compare funeral plans quotes, secure your plan and protect your loved ones.

Sources:

*£20.38 a month includes a £75 discount only available to Co-op members. Based on a 50-year-old purchasing a Simple Funeral Plan at £3,220 after discount with 25 years payment term (total amount payable £6,115.40), as of 20th November 2020

**£16.51 a month is for the Simplicity Cremations Lily Plan, provided by Reassured which is for a direct cremation only, at £1,495 with 10 years payment term (total amount payable £1,981.80

Exclusions may apply. For example, death caused by ingesting drugs would not be covered

[1] https://www.sunlife.co.uk/siteassets/documents/cost-of-dying/SL-cost-of-dying-report-2020.pdf/

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Our Providers

At Reassured, we will provide you with quotes from Co-op Funeral Care, Dignity Funeral Services and Simplicity Cremations.

All of the funeral plans we provide are fully regulated by the Funeral Planning Authority (FPA) ensuring you and your money are protected.

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