What is a joint funeral plan?

A joint funeral plan is a single funeral plan placed in two names, perhaps of a married couple, that covers the cost of the funeral when one partner passes away.

It allows for two people to pay for one plan and ensure that one of their funerals is paid for in advance.

Typically, people choose for their joint plan to cover the cost of the first funeral, to protect the surviving partner. However, it’s possible for the plan to cover the second funeral instead.

Having a joint plan in place does mean that the funeral expenses for one partner would not be covered, and they may need to take out a new funeral plan at a later date.

Read on to learn more about joint funeral plans and if this may be the right option for you...

Funeral plans for couples

Joint funeral plans are primarily taken out by couples to protect their surviving partner from the cost of their funeral.

Not all plan providers offer funeral plans for couples, so it may be worth considering your other options.

For example, you could have two individual funeral plans and spread the cost over a number of months or years so it’s more affordable.

This also means you’d both benefit from fixing today’s funeral prices and protecting loved ones from rising funeral costs.

To put in perspective, two funeral plans paid for monthly can cost less than one monthly mobile phone contract.

At Reassured, we believe that anyone who has a partner, close relatives and/or children would benefit from having individual funeral plans in place - offering the very most protection they’ll appreciate.

Is a joint funeral plan right for you?

As mentioned, a joint funeral plan can have the purpose of protecting your surviving partner from having to arrange your funeral or pay the bill.

In this case, you’d take out a joint funeral plan that covers the funeral of the partner that passes away first.

However, if you have children or other close relatives then that leaves the second funeral to be considered, as it may become their burden to cover the cost.

Usually, funds would be recovered from your estate, however, funds may not be released until your estate has been through probate, which can take 6 - 9 months.

This is a long time before your loved ones would have access to the funds they need.

And most funeral providers will require payment upfront, particularly for third-party services, requiring your loved ones to find the funds in the interim.

Therefore, a joint funeral plan may not be right for you if you’re concerned for loved ones who would be out of pocket to cover your or your partner’s funeral costs.

A funeral plan for both the first and second funeral is a smart investment to ensure there is immediate cover on both occasions.

Get in touch with Reassured to arrange a funeral plan that fully guarantees all your essential funeral services.

Compare funeral plans

Compare multiple funeral plans and save money by using our fee-free, FCA registered broker service.

Funeral plans differ both in price and services offered, making it essential to compare options to ensure you get the best solution for you.

Individual funeral plans arranged through Reassured start from just £20.38* per month.

Why take out a funeral plan through us?

All funeral plans arranged through Reassured guarantee to cover the cost of the services included in the plan, no matter how much funeral prices rise.

Other benefits of arranging a funeral plan through Reassured:

  • Funeral plans include all essential funeral director services. This includes help with making all the necessary arrangements and providing a coffin, hearse and pallbearers
  • Funeral services are guaranteed and fixed at today’s prices. No matter how much prices rise, the cost of the services included in the plan remain fixed
  • All funeral plans approved by the Funeral Planning Authority (FPA). Giving you peace of mind that your investment is safe
  • Accepted by over 2,200 funeral homes nationwide. There’ll be a funeral home local to you
  • Choice of flexible payment options. Pay for your plan over 12 months fee-free, by monthly instalments up to 25 years or in one single payment
  • Funeral costs are covered after the first 12 months of taking out the plan. If paying by monthly instalments and all payments are up to date

We can also compare plans for direct cremation only which cost from as little as £1,495 or £16.51** a month.

Get in touch today to get started, there’s nothing to lose!

Beat rising funeral costs

As you may be aware, taking out a funeral plan allows you to beat rising funeral costs.

This is because the amount you pay for your plan today remains fixed, no matter how much prices rise.

To remain competitive, funeral plan providers offer this benefit due to ever-increasing funeral costs in the UK.

Since records began in 2004, funeral costs have risen +130% and show no sign of slowing down.[1]

The average cost of a basic funeral is now £4,417.

Cost of funerals infographic UK


Having two individual funeral plans in place will not only protect each partner but also ensure that your children or loved ones won’t have to pay inflated funeral costs in the future.

The earlier you take out an individual funeral plan, the more money you can potentially save your loved ones in the future.

A joint funeral plan won’t offer that level of financial protection.

Freeze your funeral costs by arranging your funeral plans through Reassured.

How much does a funeral cost in your area?

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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.

Plan your funeral in advance

Not only can you protect loved ones financially with a funeral plan, but you can also protect them from the additional stress of arranging your funeral.

This is because, with your own funeral plan in place, you can plan your funeral in advance, removing this responsibility from loved ones.

Whilst this seems like a dismal task, there are benefits of planning your own funeral.

  1. Fulfil your final wishes, with a ceremony arranged to your preference
  2. Remove the pressure from loved ones who’ll want to organise the perfect send-off
  3. Remove some of the difficult decisions that loved ones would otherwise have to make
  4. Prevents loved ones from overspending on unnecessary services for your funeral

When the time comes, your loved ones would simply need to get in touch with the funeral director who’ll start organising the funeral as per your wishes.

To learn more about the pros and cons of funeral plans, see our in-depth article.

Affordable payment options

Whilst a joint funeral plan is cheaper, there are several payment options available to keep the cost down if you decide on two funeral plans.

At Reassured, the funeral plans we offer have the following payment options:

  • 6 or 12 interest-free monthly payments
  • Instalment plan over 2 - 25 years (instalment charges apply)
  • A one-off payment for immediate cover

By spreading the cost into manageable monthly payments can make it more affordable to have more than one funeral plan.

Get in touch with Reassured today and we’ll help you find funeral plans within your budget.

Plan provider promise

As mentioned, it’s possible to spread the cost of your funeral plan over 2 – 25 years, when arranged through Reassured.

But what happens if you pass away during this time and haven’t paid all your instalments?

Some plan providers would require your loved ones to pay the outstanding balance of your plan so that the funeral services can go ahead as agreed.

However, with funeral plans arranged through us, this needn’t be a worry.

This is because if you pass away after the first 12 months of paying for your plan, and all instalments are up to date, then your funeral will still be carried out in accordance with your plan, with nothing else for your loved ones to pay.

This is the plan provider promise for monthly funeral plans arranged through Reassured.

Co-op joint funeral plans

Unfortunately, Co-op doesn’t offer joint funeral plans, however, Reassured can help you arrange individual Co-op funeral plans.

Unlike other funeral plans, all Co-op plans are fully guaranteed.

This means that as well as all your essential funeral costs, third-party fees are also covered, and fixed at today’s rate.

Third-party fees include:

  • Minister fees
  • Doctor fees
  • Cremation or burial fees


Third-party fees usually add up to on average £1,193 for a cremation and £2,288 for a burial (on top of funeral director’s fees).

Many funeral plan providers will offer only a contribution towards these costs, or may only guarantee to cover cremation fees as burial fees vary so much across the UK.

However, Co-op funeral plans arranged through Reassured, guarantee to cover essential third-party fees and frozen at today’s prices.

Offering you peace of mind that your funeral could take place in 10 or 30 years time, and there won’t be anything else for your loved ones to pay towards the services included in your plan.

For your no-obligation, Co-op funeral plans quote, get in touch with our team at Reassured.

Joint life insurance (life insurance for couples)

A joint life insurance policy may be a cheaper alternative to a joint funeral plan.

Joint life insurance covers two lives simultaneously, and a pay out is made upon the first death.

It’s possible to save approximately 25% with a joint policy in comparison to two single policies.

This is ideal for couples who would like to leave behind some financial protection but are on a tighter budget.

Whilst a funeral plan can only be used to cover your funeral, a life insurance policy can leave behind a larger sum to be spent how loved ones deem fit.

With Reassured, it’s possible to secure joint life insurance from just 20p-a-day.

Get in touch with our award-winning team to compare quotes.

Compare quotes (for free) today

As a couple, there are various options available to you.

And at Reassured we believe that anyone with a family, would benefit from having their own individual cover in place, whether that be a life insurance policy or a funeral plan - budget allowing.

Our FCA registered broker service is here to help - one way or another.

Get in touch with our award-winning, FCA regulated team who’ll be happy to answer any questions and discuss your options.

As mentioned, funeral plans arranged through us guarantee to cover your essential funeral services, offer flexible payment options and are FPA approved.

Reassured offer a fee-free service, so there’s literally nothing to lose.

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), as of 20th November 2020

**£16.51 a month is for the Simplicity Cremations Lily Plan, provided by Reassured which is for a direct cremation only, at £1,495 with 10 years payment term (total amount payable £1,981.80)

Plans do not cover the cost of a burial plot

[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, 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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