Compare Funeral Plan Quotes

  • Plan and pay for your funeral in advance
  • Guaranteed acceptance (no medical questions)
  • Flexible payment options
  • Funeral Planning Authority (FPA) regulated
  • Prices from £19.11* a month
Prepaid funeral plans summary points

Pay for your funeral in advance and protect loved ones from rising funeral costs with a prepaid funeral plan.

Reassured is here to provide you with a choice of funeral plans from some of the UK’s largest and most trusted providers.

Our award-winning comparison service gets you quick and FREE personalised quotes, saving you time and hassle.

Get in touch with Reassured to secure your perfect plan and lock-in today’s funeral prices.

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

Or, continue reading to learn more about prepaid funeral plans and how they work…

The coronavirus pandemic doesn’t affect the funeral plan you purchase today.

If your loved ones need to redeem your plan whilst the pandemic is still ongoing, then there may be some limitations to the services included in the plan.

Any concerns you have can be discussed with the plan provider directly. Or, for more information visit our funeral plans coronavirus FAQs.

How do funeral plans work?

A funeral plan includes the essential services for the funeral of your choice, whether that be cremation or burial, traditional or non-traditional.

With a funeral plan you can:

  1. Take control of your funeral arrangements and ensure that your final wishes will be fulfilled when the time comes
  2. Ensure loved ones are protected from the full cost of your funeral
  3. Choose to pay in full or spread the cost in monthly instalments
  4. Have peace of mind that when you pass away, your loved ones simply need to make a phone call and the services included in the plan will be set in motion

Reassured compare prepaid funerals from Co-op, Dignity and Simplicity Cremations…

Co-op funeral plans

Funeral plan prices from £19.11 a month

Co-op Funeralcare is a highly-rated, trusted funeral plan provider that owns over 1,200 funeral homes nationwide.

Co-op plans arranged through Reassured have a choice of cremation or burial and cover all essential funeral director services when the time comes.

Co-op funeral plans logo

Why Co-op?

Their Gold and Silver funeral plans are 5 star rated and fully guaranteed, meaning that all essential funeral costs are covered including third-party fees.

Plans are ideal for…

Co-op members as they can receive up to £125 discount. Also ideal for those who are happy to pay a little more for the Silver or Gold plan and have all their essential funeral costs covered at today’s price.

For more information, head to our Co-op funeral plans page or make the most of our award-winning service by getting in touch.

Dignity funeral plans

Funeral plan prices from £21.47** a month

Dignity is another highly-rated and trusted funeral plan provider with a network of 1,200 owned and approved funeral homes nationwide.

Their plans arranged through Reassured have a choice of cremation or burial and cover all essential funeral director services.

Dignity distinction logo v3

Why Dignity?

All their plans guarantee to cover cremation fees and minister fees for a cremation funeral.

Plans are ideal for

Those looking for an affordable cremation with traditional funeral services included.

For more information, head to our Dignity funeral plans review page or make the most of our award-winning service by getting in touch today.

Simplicity Cremations funeral plans

Funeral plans prices from £15.97 a month

Simplicity Cremations are an arm of Dignity, who own 46 crematoria in the UK.

Simplicity plans arranged through Reassured are for cremation only and exclude traditional funeral elements.

Simplicity cremations logo

Why Simplicity?

Their plans are for direct cremation but you can choose if there’s a family-led service included.

Plans are ideal for…

Those looking for a low-cost, fuss-free cremation without a traditional service.

To learn more, head to our cremation only funeral plans page or make the most of our award-winning service by getting in touch.

How much is a funeral plan?

Funeral plans arranged through Reassured cost between £1,495 and £4,170, depending on the level of service included in the plan.

Here’s a quick overview of funeral plan prices for each provider:

 
Prices From £3,020* or from £19.11 a month From £2,995 or from £20.94 a month From £1,495 or from £15.97 a month
Types of plans Traditional funeral services for cremation or burial Traditional funeral services for cremation or burial Direct cremation and simple cremation services
Payment options Pay in full or spread the cost in monthly payments up to a maximum of 25 years Pay in full or spread the cost in monthly payments up to a maximum of 25 years Pay in full or spread the cost in monthly payments up to a maximum of 10 years


To get a free personalised quote, contact Reassured today.

Please note: Paying by monthly instalments for more than 12 months will incur instalment charges

Flexible payment options

Prepaid funeral plans arranged through Reassured offer flexible payment options.

You can either pay for your plan in full (one single payment) or by monthly payments up to a maximum of 10 or 25 years (depending on the plan). Allowing you to spread the cost if you need to.

What does a funeral plan cover?

A funeral plan covers the key elements of a cremation or burial funeral.

For a traditional funeral these may be:

  • Funeral director services e.g. help with arranging the funeral, care and preparation of the deceased, transport, coffin, funeral personnel, cortege, and family viewing at the chapel of rest
  • Bereavement support for family members
  • Personalisation with a record of wishes

As well as these standard services, each plan will offer a certain level of cover for third-party fees.

These are:

  • Cremation or burial fees
  • Minister or celebrant fees (to lead a full-length ceremony)
  • Doctors’ fees (to sign the medical certificate)

For more information on what’s included in each of the funeral plans we offer, simply use our fee-free comparison service.

Funeral plan comparison

In this table we’ve compared the services and features of funeral plans arranged through us, and one other reputable provider:

  Avalon
How much are their plans? £3,020 or from £19.11 a month £3,095 or from £21.47 a month £3,645 or from £27.49 a month
What's their Fairer Finance star rating? 5 stars (Gold and Silver plans). The only plans in the UK to receive the 5* rating 4 stars (Amber, Diamond and Pearl plans) 2 stars (Standard, Plus and Premium plans)
Are funeral director services guaranteed at today's price?
Are cremation fees covered in full or will there be a contribution towards these? Gold & Silver plans only. Limited & Bronze plans provide contribution of £950 or £1,100 respectively Up to £1,000 contribution towards cremation fees
Are burial fees covered in full or will there be a contribution towards these? Gold & Silver plans only. Limited & Bronze plans provide a contribution of £950 or £1,100 respectively £1,220 contribution towards burial fees Up to £1,000 contribution towards burial fees
Are doctors' fees covered? Gold & Silver plans only
Are your funeral services guaranteed if you pass away after 12 months but before your plan has been paid in full? Co-op Commitment Dignity Promise Avalon Promise


To compare Co-op and Dignity plans in more detail, take advantage of our fee-free broker service today.

The information in this table was taken from the separate providers' websites and is accurate as at 15/03/2021

Are funeral plans a good idea?

A prepaid funeral plan is a safe and practical way to pay for your funeral ahead of time and protect loved ones from the financial burden.

It’s also sensible because you can freeze today’s funeral prices, which are predicted to rise in the future (faster than inflation)[1].

For example...

Today, a funeral plan through Reassured costs £3,095.

In 15 years time, the services included in the plan may be worth £5,000.

If prices do increase, then your family won't need to cover the difference.

Bearing in mind, when the time comes, they would still need to pay the going rate for some third-party fees if these aren’t included in the plan, as well as optional extras such as flowers, memorial, order sheets and so on.

Cost of funerals infographic desktop v4

How much does a funeral cost in your area?

Calculate the average cost of a funeral by year and where you live. Select from the options below.

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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.

Joint funeral plans

Joint funeral plans are available with some providers and allow two people (such as a married couple) to be named on a single plan.

A joint plan will only cover one funeral, for example, the funeral of the first person to pass away.

At Reassured, we believe that any couple with other family members to think of would benefit from having individual prepaid plans in place.

With prices starting from just £15.97 a month, there’s an affordable way to protect both parties.

Buy a funeral plan through Reassured

There’s no need to spend hours searching for the best plans and comparing prices online.

Reassured can do this on your behalf within a matter of minutes. There are just three simple steps to securing your plan through us:

  1. About You - Let us know your requirements and your budget, and we’ll find you the most suitable funeral plans
  2. Compare Plans - We compare the features and prices of each plan so that you have all the information you need to make a fully informed decision as to which is best for you
  3. Secure Your Plan - You don’t need to lift a finger as we fill in the application form and arrange for the paperwork to be sent out to you

All of this, without charging you a singly penny. Get in touch for your best quotes.

Funeral plan FAQs

Who can buy a funeral plan?

Anyone over the age of 18 can buy a prepaid funeral plan through Reassured, whether that be for themselves or on behalf of someone else.

However, to be eligible for the full range of plans we offer you’d need to be over the age of 50.

Unlike life insurance, funeral plans guarantee acceptance. This means your health or medical history doesn’t come into question.


Are funeral plans safe?

Yes, funeral plans are safe when the plan provider is registered with the Funeral Planning Authority (FPA).

The FPA are a self-regulated body with the purpose to protect funeral plan customers and their money.

One of their requirements is that customers’ money must be paid into an independent trust fund or whole of life insurance policy to be kept secure until the plans are redeemed.

There’ll always be enough funds to cover the cost of your funeral, even in the unlikely event that the plan provider goes out of business.

At Reassured, we only compare quotes for FPA approved funeral plans and we’re an FCA regulated service, giving you peace of mind that you’re in safe hands all the way.


What does a funeral plan not cover?

Whilst you can have peace of mind that your key funeral costs are covered when the time comes, there are some elements that a prepaid funeral plan won’t cover as standard.

These include:

  • Flowers
  • Embalming
  • Alternative hearses
  • Funeral notices
  • Extra limousines or executive cars
  • Urn
  • Burial plot
  • Catering/wake
  • Memorial (headstone)
  • Live music

Also, some plans won’t cover the full cost of third-party fees. For example, Dignity funeral plans will guarantee cremation fees and minister fees but not doctors’ fees.


What happens if I die before my funeral plan is fully paid?

If you purchase a Co-op or Dignity funeral plan through Reassured and choose to pay by instalments up to 25 years, but you pass away after 12 months and before your plan has been paid in full, then your funeral will still be covered.

This ensures 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.


Is a funeral plan better than life insurance?

Funeral plans and life insurance serve different purposes, but both can be taken out individually to cover your funeral expenses. The option that’s better for you will depend on your individual circumstances and your budget.

On the one hand, life insurance could work out more affordable each month if you’re still fairly young and healthy.

Also, the sum assured (pay out amount) could be enough to cover more than just the cost of your funeral.

On the other hand, a funeral plan could be ideal if you’re specific about the funeral you want to have and how much it should cost.

There’s also no uncertainty about how much you’ll pay because funeral plan prices are fixed.

If your budget allows, you could have both forms of protection in place simultaneously; a funeral plan to ensure your funeral is organised and paid for in advance, and a life insurance policy with a cash sum pay out.

For a more detailed comparison, head to our life insurance vs funeral plans article.

Sources:

[1] SunLife (2021), Cost of Dying Report, sunlife.co.uk/costofdying2021/

*£19.11 per month pricing includes a £75 discount only available to Co-operative members and is based on a 50-year-old purchasing a Co-operative Simple Funeral Plan at £3,020 over the maximum term available of 25 years (total amount repayable £5,733.40) as of 1st March 2021

**£21.47 per month pricing is based on a 50-year-old purchasing a Dignity Limited Funeral Plan at £3,095 over the maximum term available of 25 years (total amount repayable £6,441.68) as of 1st March 2021

£15.97 per month pricing is based on a 50-year-old purchasing a Simplicity Lily Funeral Plan at £1,495 over the maximum term available of 10 years (total amount repayable £1,916.77) as of 1st March 2021

Related articles:

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.

Co-op logo Dignity logo Simplicity logo

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