Freeze the cost of your funeral from rising costs and pay just £13 per month. Cover all your funeral costs, so your family don’t have to. Get a free personalised quote from Forces Compare.
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Why Should I Get a Prepaid Funeral Plan?
The cost of funerals is rising rapidly – and is significantly higher than the current rate of inflation.
The current cost of a Christian funeral in the UK is around £4,000 taking into account the transportation, limousine vehicles, ceremony, food and flowers. However, given the rising cost of funerals, the cost is expected to rise to £7,000 in 2026 and £12,000 by 2036.
Many Britons are worried about leaving a financial burden for their families and therefore more and more people are looking into prepaid funeral plans which allow you to:
- Freeze your funeral at today’s prices
- Pay just £13 per month (or pay the full sum now)
- Tailor the funeral to your requirements
How Much Does a Funeral Plan Cost?
To pay for a funeral plan outright, it will cost around £3,000 to £4,000 in one lump sum. However, many choose to pay in monthly instalments, starting from £13 per month. You are usually paying a slight excess for this convenience and paying in instalments can add an extra 15%-25% to the overall cost.
The cost of cremation is usually cheaper and can be around half the price of a burial because you do not have to pay for things such as the coffin and Hearse vehicle.
When you pay, your money is put into a trust and keep safely until you die and the money is released to the Executors of your will.
What Does a Funeral Plan Include?
- Pay for a funeral director to oversee the event
- Collection and transportation of the deceased
- Funeral arrangements
- Certification and registration of death
- Use of chapel and service rooms
- Hearse vehicle
- Coffin (may depend on the plan)
- Third party costs (travel, flowers, food)
Are Funeral Plans Safe?
Yes, each plan is protected by the funeral plan provider by placing your contributions into a trust fund or by investing it in an insurance policy that pays out when the policyholder dies.
The industry is regulated by the Financial Conduct Authority, there is a professional governing body for providers called the Funeral Planning Authority (FPA), which has a code of conduct that all of its members must adhere to.
As part of the code, the FPA’s members and the FPA itself pledge that if a provider goes bust they will look into paying for funerals that are covered by funeral plans.
For extra protection, you can make monthly contributions using your credit card which can reimburse you for any losses than the Consumer Credit Act 1974.
Will There Be Additional Costs?
You must check the terms of your chosen funeral plans because not everything may be included. It will also depend on whether you would like extra things such as food, flowers, music, obituary in the local paper and other common costs.
There have been cases where people have been surprised and still required to pay more money, but with our transparent funeral plan companies, this will not be the case.
Why Use Forces Compare for Funeral Plans?
Whilst members of the armed forces are given a funeral paid by the State, once you leave the service you are required to cover your own costs.
As part of being a leading financial service for the forces, we have access to a number of personalised funeral plans and at the best rates too.
Simply apply for a prepaid funeral plan through Forces Compare and get a provisional quote, completely non-obligation and free of charge.