Prepaid Funeral Plan Reviews 2020: FREE Independent Advice

Good News: WE WILL CONTINUE to offer independent personalised prepaid funeral plan reviews and recommendations throughout the crisis, by phone and post as usual. Please do not hesitate to plan ahead, and ask for our Plan a Head Guide which is much broader than funeral plans (email only). Prices are never likely to be lower than they are now. 0800 0588 240.

Bad News: (or put another way, call us today or pay more!) Regulation by the Financial Conduct Authority is on the way (in 2021/2). This will have a significant impact on funeral plan providers costs. We estimate the average prices will increase by nearly 10% to account for additional paperwork.  Security will be even stronger, but the market will be less competitive and innovation will be discouraged.  Worse still, Independent Advice – like ours – could be driven out of the market.  Why? The FCA intends to introduce a provider controlled enforcement scheme and we will potentially have to adopt entirely different procedures for recommending the plans of each of the 20 plus providers. We are determined to stay independent if it is humanly possible, and don’t want to suffer the fate that most Independent Financial Advisers did when the FCA took over – try getting genuine independent financial advice these days if you are not wealthy!

But back to Prepaid Funeral Plans Reviewed:

How to use our prepaid funeral plan reviews site: find out what is and is not a proper prepaid funeral plan, the types available and basic information about the brands available.  Then have a chat with us (0800 0588 240) so we can find the one which is just right for you, and send you all the relevant information without obligation. Let us do the legwork – we understand the Jargon!

Last year. some undertakers profits suffered as the death rate dropped.  That is unlikely to be the case this year, so we expect to see a rise in fees charged for funerals booked on death.  Many people will make big savings by having a prepaid plan in place (one example last year was prepaid plan £3,295, identical at need cost £4,795.)  Some plans will allow a family to decide at the last minute who will use it – but make sure you tell us that as not all plans will allow donation. It also makes sense to set up a prepaid plan when it is clear the end is near: many folk would like to make the decisions themselves, but family can buy the plan should they wish.

STOP PRESS: a leading provider is offering £100 discount until 30th April 2020 (and you still get our £200+ bonus voucher!) But from 1st May, two leaving providers will increase prices by £100.

Prepaid Funeral Plan Reviews: the funeral planning market is going to become far more expensive for providers to operate in view of looming Regulation by the Financial Conduct Authority.

In the meanwhile, we are working hard to keep up to date with over 100 plans which we keep under review, for the sole reason of giving you the best possible recommendations.  No sales pressure, no cold calling, just the information and help that you need to help you pick the right funeral payment plan, just call us today on 0800 0588 240 if you want any questions answered.

Funeral Plan Reviews

The new changes being brought in force by the Financial Conduct Authority are designed to protect the rights of consumers, but this legislation will actually make the majority of funeral payment plans more expensive. For a good selection of plans on the market consumer protection is already very strong and this is where Prepaid Funeral Review can help. We offer impartial and independent advice to help you find the best funeral plans in the UK so you can plan your funeral in advance.

If you want to have a look at our Funeral Plan Reviews, go here – or simply save lots of time and give us a ring!

We are pretty sure that the only way for funeral costs to go is UP – with increased Regulation of plans and potentially funeral directors too. Costs are only going one way, so it will pay to act as soon as possible, even if that means paying over a period of time for your cover. Find out more by giving us a call today on 0800 0588 240.

But on the positive side, one firm has added a major feature to their plans which is really important if you can’t afford to pay in one go. (NOW LAUNCHED – call us for details). Contact us for the latest advice as we are constantly comparing prepaid funeral agreements by the top providers to find you the best deals on the market. Plus receive our bonus package worth up to £595 when you take out cover today. There are two or three plans we consider to be genuine bargains if they are right for you. Just give us a call on 0800 0588 240 between 9 am and 9 pm 7 days a week.

“Very helpful advice & guidance when there is so much choice & options available. Also grateful for no sales pressure!   Harry E.”

Please remember we are not tied to any company when we make or review recommendations! All Plans are NOT the same.

Just want a recommendation? Call or go here.

A friend’s mother died recently.  The funeral cost £4,795.  At the same time, the exact same funeral could have been covered as part of a prepaid plan, with the same undertaker, and would have cost £3,250.  That is £1,545 which could have been saved with a little planning. And, thanks to inflation the cost of funerals is only going to increase. What would cost £4795 today could rise to £7481.67 in just 10 years with a modest 4% annual increase making it more important than ever to lock in your payment plan today.

Take advantage of 2020s lowest prices before the rest go up!

2020 was shaping up to be potentially a good year for clients of the Prepaid Funeral Review with more competition keeping prices down.  Or, to be more accurate, slowing down the rate of increase! Funeral Planning companies are also trying hard to improve their offers – some offering discounts, others adding additional guarantees, at least to cremation plans.  Some are also quietly removing benefits. The Direct Cremation market (with no ceremony) is growing too; it is much cheaper, but certainly only for a small group of families and friends who truly understand how they work.  It is great that competition is leading major brands to review their operations to maintain market share against the new breed of funeral planning companies, some of who market their products just by paying higher fees to salespeople.  Where such a plan is truly competitive (and it does happen), we reduce the cost to you where we are permitted by contract to do so.

Who needs professional advice?

For the unwary, I have just discovered a seriously awful plan which looks quite attractive until you read their blurb very carefully. Their contracts are called Inflation-linked Cash Funeral Plans. Sounds great until you discover that the maximum inflation rate they allow for is 2.4% (well under half funeral cost inflation).  To make matters worse, once the “interest” is added, it is NOT inflation-linked, so you will steadily fall further and further behind even basic inflation. In effect what they are offering is an appallingly bad savings plan. And they say they are Regulated!  Take the monthly option and things get worse.  You have been warned! Incidentally, we have complained to the FCA as the firm in question are implying that they are regulated. I wonder if they will do anything?

Regulation could be a mixed blessing.

In the financial services sector, there is now much less competition, many excellent products have all but vanished and the availability of advice has been cut by more than 90%.  The quality of advice is probably better – for those who can afford it!  Let us hope that the Regulation of Prepaid Funeral Plans – which must be welcomed – is proportionate, cost-effective and actually helps all consumers rather than the wealthy.   Let us hope the Financial Conduct Authority has learned from their decimation of the personal financial advice sector! As one of a tiny breed of Independent Funeral Plan advisers, we should in theory benefit, but past experience has not supported that.

Funeral Plan Improvements.

More good news – the number of truly competitive products on the market is going up! The Funeral Plan Review teams job is getting harder – one day there were 3 major changes which needed to be checked out! Some products and firms are a little too new to judge, others are solid long-standing funeral planning providers who have added specific guarantees to their cremation plans. It makes a change to have good news, and with one of the top funeral plan providers has set the cat amongst the pigeons by dramatically cutting prices – but for how long?

But back to advising on funeral plans: are you ready to go ahead? At Prepaid Funeral Review we compare the latest prices in the market to bring you the best deals. We take the time to read all of the blurb in order to get a full understanding of all available plans and bring you the cheapest and best funeral plans in the UK with the best payment terms. Still, just thinking? Chose option 1 or 2 below:

Incidentally, SunLife’s 2018 Cost of Dying Report reveals that the cost of an average funeral is now £4,271. That’s an increase of 122% since 2004 – well above inflation. At that rate, in another 10 years, the average cost of a funeral could be over £7,500**.

1) Proper Personal Recommendation?  Click here or call us.

Just pop in your details! No one will visit you or keep making pushy sales calls!

2) Just generally interested, something for the future?

Click here and we will send “How to choose a Funeral Plan” and a generalised quote.

Moving on, for more details, have a look at the menu above, then read on…

No contract covers everything, so you need to know what you want:

We lay the truth bare here.

Almost every other firm that sells funeral plans advises on only ONE company’s plans when there are at least 19 main firms supplying them, so you have, at best, a one in nineteen chance of getting the most suitable company – never mind plan! There are dozens of other firms who “badge” the products of those underlying companies.

Client review of the prepaid funeral plan reviews service we offer:

Unbiased advice – Well worth talking to these people.

I wanted a prepaid funeral plan but didn’t know where to start looking as there are so many out there. 
Then I found this gem, The Prepaid Funeral Review Service. And what a find. They asked me what kind of funeral I would like and then based on my answers, they sent me details of two companies which offered just what I wanted. They encouraged me to ask as many questions as I needed (I had quite a few) and explained everything to me in simple terms so there were no misunderstandings or ambiguity. 
I took out one of the plans they recommended and I am very pleased I did. I can’t fault their customer service and helpfulness. I would recommend this company as the place to start if you are looking to purchase a prepaid funeral plan. Well done!


So why not take advantage of our expertise on funeral planners and prepaid funeral plan reviews and give us a call? Even the call is free!

We are not tied to any providers (unlike most). We won’t hassle you or pass your details to third parties.   We can almost certainly save you money, perhaps a lot. And you might find our Bonus Vouchers really relevant!

Mobile? Click here

Mobile? Click above.

  Why not call us on 0800 0588 240?

5 minutes could really make a difference.

Fast Approaching – the Prepaid Funeral Plans Price Rise Season.

prepaid funeral plansPrice rises can easily be avoided by acting now, rather than delaying. Even if that means paying over time (up to 10 years – you can always pay them off early). We really can’t see prices going down. That said, one of the big mistakes people make is to be rushed into buying just because of a price rise!  Being pushed into buying an already expensive plan which may be far from the best is not sensible.   So call us first, for genuinely independent advice. It is a free 5 minute chat, without obligation. At worst, it will help you decide what you are looking for in a funeral plan. Please leave a message even when the office is closed: we will get back to you.  The 5 minutes talking to us could save a great deal of time, money and grief for those left behind. And we read the small print for you!

Alternatively, download our brief booklet and enquiry form and send it back to us when you are ready. Or there is a more detailed online form at the foot of this page.

Free independent help to get the best value prepaid funeral planner + our price guarantee Call us on 0800 0588 240 for a 5 minute chat and best advice!

There has never been a better time to invest in the security and comfort of a prepaid funeral plan before prices go up further – and, thanks to our independent advice, you can be sure that you are getting the best funeral cover on the market for your particular needs.

Why not contact us today? Or ask for our brief Guide.

Ask for details of our Best Price Guarantee and bonus package which is available as a free extra with many plans (but not all).

Why the Prepaid Funeral Plan Review?

Plan Your Funeral in Advance

There are lots of varying features on which to choose prepaid funeral plans.  Some agreements have a tremendous sales pitch and massive disadvantages, others have modest features which can make all the difference in your precise circumstances – but be pointless to another person. It is about in-depth knowledge and finding out what you need. The Prepaid Funeral Plan Review team will help you decide which of these issues matter most to you so that you can make an informed choice and make the right choice of plan for your unique circumstances. Too many people buy from the first leaflet they come across or send off for lots of brochures (and then get totally confused!). Our independent advisors do things differently. We regularly compare all funeral planning providers in the market to find the best value and cheapest funeral plans in the UK. Unlike a lot of other firms, our service covers the whole market, so you’ll be able to choose a plan from all the top providers in the market, and not be limited to a single provider. Choose the funeral cover that’s right for you with our help.

Rather than the first funeral plan you come across, which may not be the most right one for YOU, why not let us guide you through the maze of funeral plans?

Prepaid Funeral Plans Reviewed. Funeral Plan Reviews.