If you’re over 60, then it’s possible to arrange a funeral plan through Reassured from as little as £21.46 a month*.

Taking out a funeral plan today is a safe and easy way to put money aside in advance for your funeral and to protect loved ones from rising costs.

Unlike a life insurance policy, the price of a funeral plan is fixed so that you know exactly how much you’ll pay.

Our award-winning, FCA regulated broker service can compare plans on your behalf, helping you to find one that’s most suitable and within your budget.

Get in touch to secure your FREE, no-obligation personalised quotes today.

Why take out a funeral plan through Reassured?

  • Funeral plans from a choice of UK’s leading providers
  • All essential funeral director services fully guaranteed
  • Guaranteed acceptance for UK residents aged 50+
  • All plans are approved by the Funeral Planning Authority (FPA)
  • Funeral costs are guaranteed after 12 months of taking out a plan
  • Spread the cost or pay in full with a choice of payment options

Continue reading to learn more about funeral plans for people over 60…

What is a funeral plan for over 60s?

Essentially, there isn’t a funeral plan tailored to those over 60 (or of any age).

Funeral plans over 60s are the same as other funeral plans available.

The only difference is that if you take out a plan over 60 and choose to spread the cost, then your payment term is likely to be shorter than the payment term for someone under 60.

The payment term is the specified period of time you’ll have to complete all your monthly payments and have the plan paid in full.

Funeral plans arranged through Reassured come with flexible payment options allowing someone over 60 to spread the cost up to 24 years.

Why take out a funeral plan over 60?

There are a number of reasons why it’s sensible to take out a funeral plan sooner, rather than later:

  1. Peace of mind. Knowing that your loved ones are protected from the expense of your funeral and that the arrangements have been made as per your wishes
  2. Freeze rising funeral costs. A funeral plan allows you to pay for your funeral in advance and at today’s price, as all the services included in a plan are guaranteed for when you need them
  3. Plan the funeral your way. Organising your final farewell means less worry for your loved ones when the time comes

Setting up a funeral plan is quick and easy as you don’t need to answer any medical questions or fill in a long application form.

You’re guaranteed acceptance on a plan if you’re over 60, no matter your health status.

Get in touch with us today to secure your best quote for a funeral plan for over 60.

Peace of mind

You may have thought about your family’s current financial situation and how they may cope with the unexpected cost of your funeral.

Even if you have grown children that are financially independent, would they need to take out a loan or use a credit card to cover the funeral costs?

This could be detrimental, particularly if they have their own family to take care of.

And, even if you have sufficient savings in place when you pass away your bank account will become part of your estate and funds won’t be accessible until probate has passed.

Probate can take from 6-9 months, sometimes longer, which means your loved ones still have to cover the expense in the meantime.

Your savings are also vulnerable to rising funeral costs, unlike a funeral plan which can lock-in today’s prices.

Freeze rising funeral costs

Since 2004, the average cost of a funeral in the UK has risen a shocking £128% and now stands at £4,184[1].

Based on future projections, the average cost of a funeral could reach more than £5,000 in just 5 years time.

However, taking out a funeral plan today will freeze these rising costs and protect your loved ones from higher funeral prices in the future.

This is because funeral plans arranged through Reassured are guaranteed, which means that no matter how much prices rise, your loved ones won’t have to pay any more for the services agreed in your plan when the time comes.

Plan the funeral your way

According to a recent report by Sunlife, 53% of people who have recently arranged a funeral felt pressure to get things right, in memory of their loved one.

There is sometimes pressure from other family members to organise the funeral in a certain way and/or pressure to spend more money on the funeral than necessary.

Making all the decisions for your own funeral could eliminate these issues for your family and give you more control over how much is spent on your funeral.

You’ll be able to choose whether it’s a religious or non-religious service, whether it will be a cremation or burial, if a minister or celebrant should hold the service and even what mourners should wear.

The details can be discussed with your funeral director and they’ll take care of everything when the time comes - allowing your family to focus on saying their goodbyes.

What’s included in a funeral plan?

Funeral plans arranged through Reassured include essential funeral directors’ services for either cremation or burial, which include:

  • Transportation, care and preparation of the deceased
  • Professional guidance and advice
  • All the necessary funeral arrangements
  • Viewing at the chapel of rest
  • A hearse or alternative vehicle
  • A coffin
  • Free bereavement assistance

As well as funeral director services, each plan will offer a level of cover for third-party fees.

Third-party fees include:

  • Cremation or burial fees
  • Minister or celebrant fees
  • Doctors’fees

How much is a funeral plan for over 60s?

There are a range of funeral plans available that offer different levels of service at different price points, (but include all the essential funeral services as above).

This means you can choose a plan that best suits your needs and budget.

Funeral plans for those over 60 can be arranged through Reassured start from as little as £21.46 a month or £3,095 in full.

All funeral plans have a fixed price, however, if you choose to spread the cost for more than 12 months, then instalment charges will apply.

Take advantage of our award-winning broker service to help you compare the features and prices of plans available.

Co-op funeral plan calculator

Spread the cost of your funeral plan with monthly payments, or pay in full. Calculate how much your funeral plan will cost, by filling in the details below.

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*Co-op members save up to £125 on their Co-op funeral plan. Simply provide your 18 digit membership number when buying your plan.

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Choose how you pay

Funeral plans arranged through Reassured offer a choice of payment options.

The terms may vary slightly depending on the provider:

  • Pay in full with one single payment
  • Pay in 12 monthly payments
  • Pay in monthly instalments from 2 - 24 years (instalment charges will apply)

Providers implement an age limit as to when the instalments must be completed.

For example, a Dignity funeral plan must be paid in full by your 85th birthday.

Passing away before payments are complete, (Plan provider promise)

If you choose to pay by instalments over 2 – 24 years and pass away after the first 12 monthly payments but before your plan has been paid in full, then you’d be eligible for the plan provider promise.

This means that your loved ones won’t have to pay the remaining balance of the plan if you pass away unexpectedly before completing your payments.

The funeral director will carry out the services as agreed, with nothing more for your loved ones to pay towards the plan.

Make the most of this benefit by arranging a funeral plan through Reassured.

What’s not included in a funeral plan?

Costs not included in a funeral plan, and therefore would need to be paid for by loved ones when the time comes, include:

  • Flowers
  • Memorial or headstone
  • Catering
  • Venue hire
  • Additional limousine hire
  • Embalming

Most plans won’t cover the full cost of third-party fees, which include:

  • Cremation or burial fees
  • Minister or celebrant fees
  • Doctors’ fees

The only plans to cover the full cost of third-party fees is the Silver or Gold Co-op funeral plans. These can be arranged through Reassured from £29.49** a month.

Funeral plan over 60 vs life insurance over 60

As someone over 60, it’s likely your children have flown the nest and you may have finished paying the mortgage.

If this is the case, then life insurance may seem unnecessary as all your financial commitments are settled.

However, life insurance could also be used to cover the expense of your funeral and other associated costs.

For example, the cost of hiring a professional to administer the estate after you’re gone.

Life insurance isn’t considered as part of your estate, which means that your loved ones could receive a tax-free lump sum as an inheritance to spend how they wish.

As someone over 60, you may consider the following types of life insurance:

An over 50s plan is similar to a funeral plan as you don’t need to provide any medical information to secure cover.

One of the key differences between funeral plans for over 60s and life insurance over 60 is the long-term cost.

With a funeral plan, there is certainty of how much you’ll pay for your funeral, however, with life insurance you could be paying premiums for an indefinite amount of time.

Nonetheless, life insurance could be a good alternative to a funeral plan if you’re in good health and wish to leave behind enough to tie up loose ends.

Reassured can compare multiple quotes for life insurance on your behalf.

Life insurance for over 60s starts from as little as 20p-a-day, depending on your individual circumstances.

Get in touch for your FREE, no-obligation quote today.

A funeral plan and life insurance

It’s possible to have both a funeral plan and a life insurance policy in place for maximum cover.

A funeral plan will allow you to cover your funeral costs at today’s price, whilst a life insurance policy could provide your family with some additional financial security.

Of course, whether this is an option for you or not will depend on your personal budget.

Compare quotes for funeral plans for over 60s

Reassured is an FCA registered broker that has helped thousands of customers arrange their funeral plan for over 60.

All our plans are fully FPA approved and are guaranteed which means all your essential funeral costs are fixed at today’s price.

A member of our specialist funeral plan team can provide you with all the information you need for the plans available and the decision is all in your hands.

We can also complete the application form on your behalf, saving you the hassle.

Make the most of our FREE quote service today by getting in touch.


*£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

**£29.49 per month pricing includes a £125 discount only available to Co-operative members and is based on a 60-year-old purchasing a fully guaranteed, Co-operative Silver Funeral Plan at £3,870 over the maximum term available of 19 years (total amount repayable £6,723.90) as of 1st March 2021

+The £100 discount offer applies to all Dignity Funeral Plans purchased through Reassured between 10th March and 11th May 2021. For example, a Diamond plan purchased by lump sum will be discounted from £4,195 to £4,095, or from £349.58 to £341.25 if you choose to pay over 12 months. Instalment payments over a period greater than 12 months will also be discounted

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

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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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