Simple funeral plans (save up to 60% on funeral costs)

  • Avoid rising funeral costs
  • Guarantee acceptance (over 50)
  • Various payment options
  • Funeral Planning Authority (FPA) regulated
  • Prices from £15.97* a month
Cremation only funeral plans summary

A cremation only funeral plan is a sensible way to pay in advance for your cremation funeral and to ensure that your final wishes are met.

Plans arranged through Reassured include all the essential services for a simple cremation and prices are fixed at today’s rate, protecting loved ones from higher prices in the future.

Reassured is an award-winning, FCA registered broker that can compare multiple funeral plan quotes on your behalf, saving you time and money.

Our service is fee-free, and there’s no obligation to take out a plan through us; we simply provide all the information you need to make a fully informed decision on the best plan for you.

A prepaid cremation only funeral plan costs up to 60% less than the average cost of a basic cremation funeral held in the UK today[1].

Please note:
As of 07/05/21 Reassured stopped selling Dignity funeral plans and Simplicity Cremations plans.

What is a cremation only funeral plan?

A cremation only funeral plan allows you to pay for your essential cremation services in advance and at today’s price.

It helps to protect loved ones from the financial burden of meeting the full funeral costs at an already difficult time, as well as protecting them from making plans and paying for traditional funeral elements that you may not want.

Cremation only funeral plans are suited to those who wish for a quiet, simple funeral that allows their loved ones to say goodbye in their own way.

With Reassured, there are three different plans to choose from:

  • Lily Plan - Unattended direct cremation
  • Magnolia Plan - Intimate basic cremation
  • Orchid Plan - Attended simple cremation

Each plan includes a simple coffin, collection and care of the deceased, cremation fees and the return of ashes.

The Magnolia and Orchard plans include the option to have a family-led service at the crematorium.

The cost of your cremation only funeral plan can be covered in one single payment or spread into affordable monthly payments up to 10 years^.

Secure your personalised quote today by using our award-winning, fee-free service.

What is a direct cremation?

An unattended direct cremation is when a cremation takes place without a funeral service or ceremony beforehand.

The person who’s died is taken directly to the crematorium to be cremated in a simple coffin.

It’s efficient and straight forward, which is how the cost can be kept low.

With a prepaid direct cremation (in this case, the Lily Plan), a funeral service isn’t covered in the cost of the plan.

This means, loved ones won’t be able to have a traditional send-off, but may wish to arrange a separate memorial or celebration of life after the cremation (and once the ashes have been returned).

Is this funeral choice right for me?

A prepaid direct cremation or cremation only funeral plan may be the right option for you if one or more of the following applies:

  • You don’t want to have a traditional funeral with formal service
  • You want to protect loved ones from the expense of traditional funeral elements
  • You’d prefer that loved ones are able to mourn privately, in an intimate setting
  • You’re on a budget but also want to protect loved ones from your funeral costs
  • It would be difficult to get family members together for the occasion, particularly if they live in different parts of the world or suffer from health issues

A simple low-cost cremation funeral is an alternative way to be laid to rest, that’s not treated with any less respect or sensitivity by the funeral organiser than a traditional funeral with formal service.

A prepaid direct cremation or cremation only funeral plan won’t be suited to everyone.

If you feel that you may prefer a more comprehensive funeral plan that includes a full traditional funeral service, then Reassured can also help.

We can arrange prepaid funeral plans for cremation or burial from as little as £21.46** a month.

Find out more on our funeral plans page or compare all the options available by getting in touch with our dedicated team.

Why take out a cremation only funeral plan?

Avoid rising funeral costs

In the UK, funeral costs have risen by 128% since 2004[1]

Nowadays, a basic cremation or burial funeral with traditional service could set you back more than £4,100, not including the personal elements such as flowers and catering.

A cremation only funeral plan not only locks-in today’s price of a cremation, but also avoids rising costs of the other more expensive aspects of a traditional funeral.

Protect loved ones from financial worry

Paying for your funeral in advance ensures that your loved ones won’t have to dig into their own pockets to cover the large expense, particularly as funeral prices may be even higher in the future.

If you feel that your loved ones would struggle financially if they had to foot the bill, then taking out a plan will give you peace of mind that they are protected.

Be responsible for your own funeral arrangements

Taking on the responsibility of arranging your own funeral would alleviate much of the stress your loved ones may have to go through if they were to do it themselves.

With a funeral plan in place, the difficult decisions would have already been made and your final wishes are recorded to guide loved ones when the time comes.

What’s included in a cremation only funeral plan?

All prepaid cremation only funeral plans arranged through Reassured guarantee to cover the following services:

  • Guidance from a professional by telephone 24/7
  • Assistance for loved ones to complete and sign required paperwork prior to funeral
  • Collection and transportation of the deceased within mainland Great Britain in a specialist funeral vehicle to the mortuary facility 24/7
  • A cremation at one of the 46 crematoriums owned by the provider
  • A simple coffin
  • Return of ashes in a simple container
  • Bereavement support

Whilst each plan covers all the essentials for a simple cremation, there are three different plans to choose from based on how many people you’d like to attend your funeral:

Lily Plan Magnolia Plan Orchid Plan
£1,495 or from £15.97 a month* £1,795 or from £19.17 a month† £2,295 or from £24.52 a month‡
An unattended direct cremation without a funeral service Up to 12 mourners to attend the committal at the chapel and hold a short, intimate service Includes full-length service in the chapel organised by family, no limit on attendees

What’s not included in a cremation only plan?

Whilst a cremation only funeral plan covers the essential services required for a simple cremation, there are a number of services that it won’t cover, much like other plans on the market.

A cremation only funeral plan doesn’t cover the cost of the following:

  • Doctors’ fees
  • Minister or celebrant fees
  • Embalming
  • Memorial or headstone
  • Flowers or tributes
  • Catering
  • Venue hire
  • Repatriation from outside mainland Great Britain
  • Removing artificial limbs

Doctors’ fees are also not covered in the cost of a plan, although these may still need to be paid to receive the Medical Certification Cause of Death, which allows you to register the death.

How can you pay for your plan?

There are several ways you can pay for your plan. You simply choose the option that suits you.

  • A one-off single payment
  • 12 monthly payments (fee-free)
  • Monthly instalments from 2 to 10 years (instalment fees will apply)

Monthly instalments spread over more than 12 months must be completed by the 85th birthday of the eldest person named on the plan^.

You can cancel your plan within 30 days to receive a full refund. However, if you cancel after 30 days then payments made will be refunded less a £95 cancellation fee.

Why take out a cremation only funeral plan through Reassured?

At Reassured, we do all the hard work for you by comparing the plans we have available and setting up the plan on your behalf.

Our broker service has received over 43,000 Trustpilot reviews and rated overall as ‘Excellent’ by our customers - giving you peace of mind that you’re in great hands.

Benefits of arranging a funeral plan through us:

  • Plans from an award-winning, trusted provider
    We provide plans from a highly rated provider that won ‘Best Direct Cremations Provider 2018’ and Feefo ‘Gold Trusted Service Award 2019’
  • Spread the cost with various payment options
    Pay for your plan in full or spread the cost up to 10 years^
  • Your money is protected
    All plans are Funeral Planning Authority (FPA) approved and funds paid into a plan are held securely by the National Funeral Trust
  • Support from a funeral planning team
    Included in the cost of any plan is 24/7 support from a professional telephone funeral arrangement team. Which means, when you pass away, your loved ones would have to make just one phone call and the planning team would set the ball rolling on preparations for the funeral. There’s also a free bereavement advice line and support for your loved ones if they require it

Get in touch with Reassured to secure your low-cost, simple cremation funeral plan.

What can I expect when I set up my plan?

Reassured will help you set up the plan of your choice.

We'll take down all your details and arrange for the plan provider to send out your personal Planholder Pack and Funeral Executer Pack.

These will contain all the information you’ll need regarding your prepaid plan and all the information your loved ones will need when the time comes.

The planholder pack will also include a Your Wishes form that can be filled with any instructions you have for your loved ones.

Joint cremation only funeral plans

A joint funeral plan allows two people, perhaps a married couple, to be named on one funeral plan.

This may be an option if you’re on a budget but want to ensure that one of you is protected from arranging the other’s funeral.

However, as a joint funeral plan covers one funeral only, the surviving person would be left without any cover.

If you have other family members who’ll have to pay for the funeral, then you may consider taking out two individual plans to ensure that they aren’t hit with higher funeral prices in the future.

What’s the difference between a cremation only funeral plan and a standard funeral plan?

  Standard funeral plan for cremation or burial Cremation only funeral plan
Price From £3,095 or from £21.47 a month over 25 years From £1,495 or from £15.97 a month over 10 years
Collection, transportation and care of the deceased Yes Yes
Help with funeral arrangements from a professional Yes Yes
Attended funeral service Yes Select plans
Minister or celebrant to hold ceremony Yes No
Funeral procession Select plans No
Visitation to chapel of rest Yes No
Coffin Yes Yes
Hearse Yes No
Pallbearers Yes No
Limousine Select plans No
Bereavement support for loved ones Yes Yes

Reassured can help you arrange either a standard funeral plan with traditional service or a cremation only funeral plan with or without a service held by loved ones.

Compare quotes for both options using our fee-free broker service.

Funeral plan or life insurance?

Many people take out an over 50s plan for the purpose of covering their funeral costs.

An over 50s plan is a type of life insurance policy that has a maximum pay out of up to £25,000.

Like a prepaid funeral plan, acceptance is guaranteed to people aged over 50. However, the maximum age limit to take out a plan is 85.

With an over 50s plan you would pay a monthly premium until you pass away or until a specified age, and a pay out is guaranteed.

All these factors make an over 50s plan ideal for covering funeral costs, however, the older you are the more expensive your premiums may be.

For more information, we have written an in-depth review of life insurance vs funeral plans.

Get in touch with Reassured to compare free quotes for over 50 life insurance.

Compare cremation only funeral plans

Having a funeral plan in place will ultimately protect your loved ones from the significant, and perhaps unexpected, expense of your funeral.

A cremation only funeral plan provides a fuss-free, low-cost alternative to a traditional funeral, ideal for those on a budget and who’d prefer a simpler way to be laid to rest.

You can freeze rising funeral costs today and secure your plan through us from just £1,495 or £15.97 a month*.

Make the most of our highly rated, FCA registered service today by getting in touch; there’s simply nothing to lose.


[1] SunLife (2021), Cost of Dying Report,

*£15.97 a month is for the Simplicity Cremations Lily Plan, which is for a direct cremation only, paid by monthly instalments with 10 years payment term (total amount payable £1,916.77)

**£21.46 a month is based on the Dignity Limited plan paid over the maximum 24-year payment term for planholder over 60 (total amount payable £6,182.29) as of March 2021

£19.17 a month is for a Simplicity Magnolia Plan paid for in monthly instalments with 10 years payment term (total amount payable £2,301.41)

£24.52 a month is for a Simplicity Orchid Plan paid for in monthly instalments with 10 years payment term (total amount payable £2,942.47)

Prices correct as of December 2020

^All payments over any instalment term longer than 12 months must be completed by the 80th birthday of the eldest person named on the plan and the instalment term does not exceed the maximum term available. Plans purchased over a period greater than 12 months will incur an additional fee

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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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