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The funeral plan providers listed above offer FPA approved funeral plans for cremation or burial with full funeral service.
Age Co and SunLife funeral plans are white labels supplied by Dignity.
A funeral plan provider is any company that sells funeral plans which allow you to prepay for your funeral.
They'll provide all the services you require and ensure that when you pass away, your funeral is carried out as per your wishes.
Not to be confused with a funeral plan broker, who arranges plans on behalf of the providers.
Funeral plans can be arranged through a funeral plan provider, but they can also be arranged through a broker, such as Reassured.
There’s no difference in cost; we simply compare a number of options, saving you time and hassle.
We can provide you with all the information you need, allowing you to make a fully informed decision as to which is the most suitable funeral plan for you and your family.
Our service doesn’t stop there as we guide you through the steps of setting up your plan.
At Reassured, we want to ensure that you’re completely confident in your buying journey.
And the best bit is, we don’t charge a fee for our award-winning service.
Why arrange your funeral plan through Reassured?
All funeral plans arranged through us:
Lock-in today’s going rate for a funeral
Guarantee to cover the cost of services included in a plan, no matter how much prices rise in the future
Are regulated by the Funeral Planning Authority (FPA)
Offer flexible short and long-term payment options
The best funeral plan provider is one that has a plan that best meets your needs and your budget.
However, with so many choices out there it can be tricky to decipher which one this is exactly.
Also, the best funeral plan provider isn’t necessarily the cheapest.
This is because the cheapest providers don’t always offer the best value for money.
For example, the plans offered may not include essential third-party fees or their prices may vary according to where you live.
At Reassured, we can help narrow down your options so that you can find the ideal funeral plan for you and your family.
We believe the best funeral plan provider will offer the most comprehensive protection for your loved ones when the time comes.
All our funeral plans guarantee to cover the cost of the services included in your plan, no matter how much funeral costs rise.
This means the total cost of your plan is locked in at today’s rate.
We compare highly rated plans, including Co-op who have won Best Funeral Plan Provider by Moneynet for three years running.
Co-op Funeralcare
'Triple Gold Award for Best Funeral Plan Provider'
Moneynet Personal Finance Awards 2018/19/20
Avalon
'Best Funeral Plan Provider'
The Money Pages Personal Finance Awards 2019/20
All funeral plan providers include all the essential funeral services in each of their funeral plans.
This includes for example:
However, the features and benefits of plans differ between providers.
Which is why it’s important to compare multiple funeral plan providers to identify the one that can offer you best value for money.
We can help you do this quickly and easily with the table below.
|
|
Golden Charter | Golden Leaves | Avalon Funeral Plans | |
|---|---|---|---|---|---|
| Are all funeral plans fully guaranteed? Are third-party fees covered, and is the total cost of your funeral guaranteed at today's price?** | Yes - For cremation and burial | Yes - For cremation only. No - For burial there is a £1220 contribution towards third party fees | No - There is a £800 or £1,100 contribution, (amount depends on the type of plan). Third party fees can be guaranteed for an extra £200 | Yes - For cremation, but on selected plans. No - For burial there is a £931 contribution towards third party fees | No - There is a £1000 contribution towards third party fees |
| Will your funeral costs still be covered if you pass away before all your payments are complete? If you pay by instalments and pass away after the first 12 months of the plan? | Yes - Co-op Commitment | Yes - Dignity Promise | No - Your family or your estate would have to cover the outstanding balance of the plan | No - Your family or your estate would have to cover the outstanding balance of the plan | Yes - Avalon Promise |
| Are there any age restrictions? | No - Anyone aged over 18 can take out a plan | Yes - Plan holders must be aged 50+ | No - Anyone can take out a plan. However age restrictions may apply to certain payment options | No - Anyone can take out a plan. However age restrictions may apply to certain payment options | Yes - Anyone aged over 18 can take out a plan |
| Do you have a choice of funeral director? | Yes - Use any local Co-op funeral director | No - Dignity will nominate a funeral director and the one they choose could change after you pass away | Yes - But it's not guaranteed that you'll be allocated the funeral director of your choice | No - Golden Leaves will nominate a local independent funeral director | No - Avalon will nominate a local independent funeral director |
| Can the deceased be collected at any time? Is there a maximum collection mileage? | Yes - 24/7 collection available within 50 miles | Yes - 24/7 collection available within 50 miles | No - Select plans only, within 25 miles | No - Select plans only, collection within 25 miles | Timings are not specified. Collection within the UK or mainland Ireland |
| Are doctor's fees included in the plan? A doctor will charge a £164 fee to certify the death | Yes | No | No | No | Included in contribution |
| What is their Fairer Finance star rating?Fairer Finance star ratings showcase the quality of their product and service | 5 stars (Gold and Silver plans) The only plans in the UK to receive the 5* rating | 4 stars (Amber, Diamond and Pearl plans) | 3 stars (Premier and Select plans) | 3 stars (Platinum plan) | 2 stars (Standard, Plus and Premium plans) |
Funeral Planning Authority (FPA) registered providers are the safest providers to arrange your funeral plan with, (5% of plans are still not registered).
This is because, as a member of the FPA, a standard of care and protection for funeral plan customers must be upheld.
You can be confident that an FPA registered provider will keep your money safe in a separate Funeral Trust Fund or life insurance policy until you need it.
All funeral plans arranged through Reassured are fully FPA approved.
We are also an FCA registered broker which means our service must always abide by their strict code of practice.
We provide an impartial service at no obligation to you at all, so why not get in touch today to make the most of it.
Beat rising funeral costs with a funeral plan
The average cost of a funeral today is £4,417, which is a 130% increase since 2004[1].
This rising trend is expected to continue, which means by 2025, a funeral could cost our loved ones almost £6,000.
However, it’s possible to freeze today’s price of a funeral because funeral plan providers will guarantee to cover your funeral costs no matter how much prices rise.
Funeral plan providers tend to offer a choice of three or four different funeral plans at different prices.
Which means it can be difficult to determine which is the cheapest out of all the options available.
Some funeral plan providers offer cremation only plans too, which is for a direct cremation without funeral service.
This is the cheapest type of funeral plan, but it does mean your loved ones would have to arrange and pay for a separate service when the time comes.
Sometimes, the cheapest funeral plan provider won’t offer the best value for money funeral plans.
For example, Golden Leaves offer one of the cheapest plans with a full funeral, which starts from £2,533.
However, this price can be deceptive as the final amount is variable depending on where you live in the UK.
This price is also for a cremation funeral type only and doesn’t cover essential third-party fees.
Third-party fees amount to over £1,000 on average and include cremation fees, minister fees and doctors’ fees.
Your family would have to cover this cost until funds from your estate can be released following probate.
On the other hand, Co-op funeral plans start from just £3,220* for cremation or burial and guarantee to include all third-party fees.
So that when the time comes, whether that be in 20 or 30 years time, your loved ones won’t have anything else to pay.
Co-op prices aren’t variable to where you live either, so there aren’t any unexpected price increases.
Spread the cost of your plan
Funeral plan providers give you the option to spread the cost of your funeral plan with them so it’s more affordable.
For example, Co-op allows you to pay:
Funeral plans purchased through Reassured start from just £20.38 per month or £3,220 in full.
Some funeral plan providers will guarantee to carry out your funeral services, even if you pass away before completing your funeral plan payments.
Usually, as long as your plan has been in place for more than 12 months, you’d be eligible for this benefit.
Giving you peace of mind that your family won’t be burdened with the expense of your funeral if the unexpected happens.
All funeral plans provided through Reassured, guarantee your funeral services**.
Some providers that offer this benefit include:
On the surface it may seem that all funeral plan providers work in the same way, however, this isn’t necessarily the case.
There are:
The difference is that if you use a funeral plan provider that operates with independent funeral directors, the cost of their funeral plans may vary depending on where you live.
The plan provider is also more likely to nominate a funeral director on your behalf.
Therefore, if you have a preferred funeral director, it’s sensible to ensure that they will accept the plan you want to purchase.
Reassured work with leading providers that own all their 1,800+ funeral homes.
This means you can expect their high standard of service from beginning to end.
Arrange your funeral plan through Reassured and ensure that your loved ones are well taken care of when the time comes.
If your funeral plan provider is registered with the Funeral Planning Authority (FPA), then your money is protected in the unlikely circumstance they go bust.
This is because, as mentioned, the FPA ensure that the funds you pay into your plan are held safely in a Trust (managed by trustees) or a life insurance policy until you require them.
The FPA will help find an alternative funeral director to carry out your funeral as planned, or the funds will be returned to your estate.
As mentioned, all funeral plans arranged through Reassured are approved by the FPA, giving you peace of mind that your money is safe.
Some funeral plan providers offer funeral plans for over 50s only.
Except for the age restriction, these funeral plans are the same as any other.
Age Co and SunLife sell funeral plans for over 50, which makes sense as they both provide financial products and services to people in later life.
This makes sense as Age Co and Sunlife provide financial products and services to people in later life.
Funeral plans are ideal for those over 50 who would like to leave behind a legacy to loved ones but have struggled to secure affordable life insurance due to their age or health.
Or you may wish to take out a funeral plan separate to your life insurance policy so that you can protect the pay-out from rising funeral costs.
Many people take out an over 50s plan to cover the total cost of dying.
An over 50s plan guarantees a cash lump sum pay out when you pass away, which can be used to cover your funeral costs.
Like a funeral plan, no medical questions are asked.
Premiums are calculated based on your age and the terms of the policy.
Reassured can also help compare quotes for over 50s plans that guarantee acceptance to UK residents aged 50 - 85.
Get in touch so we can help you assess all the options available.
At Reassured, we compare funeral plans on your behalf from highly rated funeral plan providers.
We’re an FCA registered, award-winning broker with over 10 years’ experience helping people arrange the financial protection of their loved ones.
So, get in touch with our dedicated team today.
[1] SunLife (2020), Cost of Dying Report, sunlife.co.uk/costofdying2020
*£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), as of 20th November 2020
**Excluding the cost of a burial plot
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