Compare Funeral Plan Quotes

  • Avoid rising funeral costs
  • Guaranteed acceptance
  • Various payment options available
  • Funeral Planning Authority (FPA) regulated
Who are Reassured summary

Prepaid funeral plans arranged through Reassured start from as little as £20.38* per month.

You can protect loved ones from rising funeral costs in the future, by taking out a funeral plan today.

But which is the right funeral plan for you and your family?

Our fee-free, FCA registered broker service is here to help.

We search and compare funeral plan quotes on your behalf, saving you time and money.

All our funeral plans are fully guaranteed, include third-party fees and are approved by the Funeral Planning Authority (FPA).

Take advantage of our award-winning service and seize the opportunity to lock-in your funeral costs today.

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, at today’s price.

Funds paid into a funeral plan are used only for your funeral, so go straight to the funeral director when the time comes.

Affordable payment options allow you to spread the cost over a number of months or years.

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

Unlike life insurance, funeral plans do not require acceptance.

Anyone over the age of 18 can take out a funeral plan through Reassured, regardless of their health.

Therefore, a funeral plan could be a great alternative for those who’ve struggled to secure life insurance due to their health.

Avoid rising funeral costs

A funeral plan protects loved ones from rising funeral costs, by freezing the cost of a funeral today.

The average cost of a basic funeral is currently over £4,000, and this amount will only continue to rise.

But with a funeral plan, you can avoid these rising funeral costs.

This is because the amount you pay for your funeral plan today remains fixed.

Therefore, all the services agreed in your plan will still be carried out (at no extra cost to your loved ones), no matter how much prices rise in the future.

Ultimately, a 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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Average funeral cost

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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?

At Reassured, funeral plans start from as little as £20.38 a month.

Although the cost of prepaid funeral plans varies with each provider.

That is why it is important to compare multiple funeral plans.

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

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

Best price guarantee*

At Reassured we offer a best price guarantee on all like for like quotes.

Simply provide us with the quote from your chosen funeral plan and we will match it.

Contact us today to start your journey towards securing your funeral at today’s rate.

Our funeral plans cover third-party fees

Third-party fees are additional costs separate to those of the funeral director.

The costs can be broken down as follows, (average UK cost):

  • Doctor’s fees (£164)
  • Minister or officiant’s fees (£169)
  • Cremation (£860) or burial fees (£2,288)

Most funeral plan providers offer only a contribution towards these expenses.

An insufficient contribution could mean your loved ones would have to make up the shortfall.

Cremation and burial fees have increased 60% in the last 10 years and this trend is likely to continue.

All funeral plans arranged through Reassured guarantee to cover all third-party fees within the cost of the plan.

Saving your loved one’s money in the future.

To arrange your funeral plan and protect your loved ones against rising third-party fees, contact our team.

How do funeral plans work?

Once you've taken out your plan, there'll be a local funeral director assigned to you.

Though it's possible to choose your preferred funeral director if they accept our plans.

Using the guidance and expertise of the funeral director, you'll be able to make all the arrangements for your funeral in advance.

When you pass away, the funds paid into the funeral plan will be paid directly to the funeral director.

They are then responsible for carrying out all the services agreed in your plan, (as long as your payments are up to date).

For more information on funeral plans, contact our team.

What’s included in a funeral plan?

Included in the cost of a basic funeral plan are all the essential services required for a funeral.

These are as follows:

  • Support and advice from the funeral director
  • Help with all the funeral arrangements, and record of your funeral wishes 
  • 24-hour transfer to a suitable place of rest within a 50-mile radius
  • Care of the deceased including private chapel and visitation for loved ones (embalming not included)
  • A coffin or casket
  • Hearse and personnel included for the funeral
  • Free bereavement assistance
  • All essential third-party services


Funeral plans arranged through Reassured also cover additional third-party costs:

  • Doctor’s fees (death certification)
  • Minister or officiant’s fees (to carry out the ceremony)
  • Cremation or burial fees

Choosing your funeral plan

There are a variety of set funeral plans available to suit different preferences.

To help you decide which funeral plan is right for you, you should consider the following:

  • Where in the UK do you want your funeral to take place?
  • What type of funeral do you want, (religious or non-religious, burial or cremation)?
  • What level of service do you need (basic, standard or superior)?
  • Do you have a preference of funeral director?
  • What’s your budget?

Funeral plans are tiered to reflect different levels of service and cost.

The more you pay for your plan, the more elaborate (and flexible) the services are.

For example, a simple plan offers a basic wood-effect coffin, whilst a superior plan offers a luxury lined wood veneer coffin.

See an example of the services included in Co-op's Simple and Gold plans (either burial or cremation) that we offer at Reassured:

Simple Plan Gold Plan
Ceremony date & time Restricted Flexible
Choice of procession route No Yes
Coffin Standard Wood veneer
Limousine No Yes x2
Visitation to chapel of rest at anytime No Yes
Funeral director services Yes Yes
Third-party funeral costs Yes Yes


All funeral plans arranged through Reassured are fully guaranteed.

This means that when the time comes, all the agreed services in your plan will be carried out with no more for your loved ones to pay.

Contact our award-winning team today to secure your free funeral plan quotes.

Funeral plan payment options

Funeral plans arranged through Reassured offer flexible, short and long-term payment options.

These are:

  • A one-off single payment, for immediate cover
  • 6 or 12 monthly payments (fee-free)
  • Monthly instalments over 2-25 years (must be paid in full by 80th birthday)

Please note, funeral plan prices remain fixed, but spreading the cost over more than 2 years incurs instalment charges.

To discuss the best price option to suit your needs, contact our team.

Paying by instalment plan

Funeral plans provided by Reassured guarantee to provide all of the services detailed within your plan even if you pass away before all instalments have been paid.

Providing all payments are up to date and your plan has been in place for at least 12 months, the balance of your funeral plan will be covered.

All of the services within your plan will be delivered and your family will not be required to pay another penny.

To arrange a funeral plan instalments plan, contact Reassured today.

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 consumers in the financial services sector.

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.

This is why we provide funeral plans for individual applicants only, offering comprehensive protection for your loved ones.

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 per 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)

[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.

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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Very easy to understand and very quick

Yes very pleased with my choice very helpful easy to understand and very pleasant transaction all good!

Mrs M Rushworth

Very professional and reassuring

Very professional and reassuring. Life insurance sorted in about 10 minutes.

Stephen Davies

very courteous and friendly

very courteous and friendly. Polite professional and empathic.

Stedroy Fenton

Another happy customer

Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

Piotr Stepien

Really attentive during the call

Really attentive during the call, good clear guidance throughout. Well done.

Michael Reynolds

Amazing service

Amazing service quick fast and easy and Joey was a star on the phone really help me thanks.

Sera Woolley

I made the right choice and now I feel…

I made the right choice and now I feel relieved that I did.

glyn

Really genuine kind and compassionate…

Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

Katelia Merritt

I must say Jake took me through every…

I must say Jake took me through every step and was brilliant, recommend them anytime.

Allan Green

Very happy and everything explained…

Very happy and everything explained well, so glad a took the time to take the call, normally I would say I'm busy. But compared to other company's we save so much more money.

Jenny Berry