Prepaid Funeral Review 2022: BAD News for future Funeral Planning Clients

WARNING: the incompetent and ignorant Financial Conduct Authority are in effect promoting the WORST plans on the market, as well as attempting to kill off independent advice on prepaid funeral plans. Their excuse is that they don’t regulate the rubbish plans – but they can only be sold by regulated firms. So it is doubly important tp get Independent Advice before the FCA make it available only to the well off.

On a more positive note, you can still start your prepaid funeral plan journey to make an informed decision rather than being sold a – perhaps – inappropriate or inadequate plan.  Don’t think for one moment that all plans are all as good as each other:  THEY ARE NOT! But time is short if you value advice – especially Independent Advice. 2022 will see a swift decline in the availability of advice (as opposed to “guidance” which is just reading your companies brochure to you. I will still be available at least until March 2022, but soon after that Independent Advice will no longer be viable for anyone who is not pretty wealthy (and doesn’t really need it!)  A classic case of Regulation hurting those it is supposed to protect, sadly.

As from July 2022, Funeral Plan Advice must be fee based, and the new Regulators, the FCA have a history of incredible incompetence and ensuring that ordinary people can’t get advice – they are very much an elitist organisation, sadly.  At the time of writing, well under half of existing funeral plan providers (despite deadlines) have managed even to get their applications for Regulation in, and many have just given up.


If this was a degree course you would have your masters Steve!
Your guide PDF suggests that a degree course would be easier!!
(But I understand the basics now!)

Very helpful advice and guidance when there is so much choice and options available. Also grateful for no sales pressure!

Harry Edwards

Really useful guide. Thank you.

J Over

Very Helpful!

G Boxall

I was so pleased to receive the details the very next day after I phoned you. This is extremely rare nowadays.

V Knight

Trustworthy and straightforward – Steve’s value is not to be underestimated!

Emma Termere

Thank you for your advice. All dealt with within a week.

Stewart Fernley

Steve, You’ve been an absolute star. Brilliant Service.

Billy Belshaw

Get the Free Prepaid Funeral Review Guide to How to Choose a Funeral Plan by entering your email below!

The point:

I still offer free personalised INDEPENDENT ADVICE – it is already as rare as hens’ teeth. Why take the risk of being sold an inferior plan which was never right for you? My Prepaid Funeral Plan Reviews will save you time, money and perhaps from being hard sold lower quality plans! But nothing beats a 5 minute chat.

FPA Regulated     Direct Cremation    Get a Recommendation   Reviews


ASK US ABOUT OUR NEW BONUS. It is one your family will really appreciate.

Our tips for the best experience for your family (ideally with an independent prepaid funeral review from me!):

  • Start with a copy of our free Guide to Funeral Plans – there is no obligation – call 0800 0588 240 or use the form below. Its’ aim is solely to help you understand how funeral plans work. If you don’t understand what you are buying, you could be sold a “pup”!
  • Never part with any money or buy a plan over the phone.
  • Always get a full copy of the brochure and especially the Terms of Business – and read them carefully.
  • REALLY read the small print, some are shockers!
  • Don’t be SOLD a plan. Understand what you are looking for, then find the right plan.
  • There is more to it than the number of stars – generically that works, but I have never met anyone who was average in every way – wishes, funds, location etc.
  • Then give me (Steve) a call to chat it through.

You can get our Free Prepaid Funeral Reviews Guide emailed to you (see below). Or you can read the individual funeral plan reviews –  link underneath or to the side unless you are on a mobile.  Or just give me a call on 0800 0588 240 9 am to 9 pm any day. The market is complicated and (in my opinion) more people buy quite unsuitable plans than proper ones, as they don’t fully understand what they are buying. If you need a guide through the jungle, I am your man, and there is no cost to you for my time – I just ask that you use the forms I send if you chose to accept my recommendation for your best buy.

Extra Bonus Added – apart from free Independent Advice and Vouchers!

Funeral plan bonus

We have arranged for those of you who wish to (and buy a plan through our independent recommendation) to have the opportunity to have your funeral service preplanned so it truly reflects your spirit.  And, we have to say, removes another obstacle where everyone thinks they know what you would have wanted, and they all disagree. This is a professionally written package – and it is free, but only where you use the forms we send you so we get paid and can afford to help. The celebrants are members of the Fellowship of Professional Celebrants to ensure the quality of service.

A Prepaid Funeral Plan for the times

We are pleased to announce the launch of the Convertible Direct Cremation Plan.  Start off with a Direct Cremation Plan, but with the ability to change it at any time before death into a normal funeral plan with a service.

prepaid funeral plan reviews, prepaid funeral review
Steve, Chief of Funeral Plans, Reviews and everything else! 0800 0588 240

Funeral plans are just as “simple” as cars! Not only that but sometimes you find the details of the plan you bought and paid for over the phone are not what you were lead to believe. Why not at least read our brief free Guide?

Or just call me so I can guide you through the jungle as I have many others. Funeral Plans are not all the same – and neither are people!

Leave a message if I can’t answer at the time, and I will call you back.

Go here to find out more about the Types of Prepaid Funeral Plan Reviewed


Whatever you do, please do NOT buy a plan WITHOUT seeing and READING the Small Print – and not over the phone – read the terms and conditions before even considering parting with money. We spend hours on each prepaid funeral plan review, so we can give you the right advice, so it makes sense to call us and take advantage of our experience.

I want a proper written Recommendation from you as Independent Advisers CLICK HERE

Best to call us for a chat first, on 0800 0588 240 (9 am to 9 pm any day)  But start looking at our prepaid funeral plan reviews and you will realise the value of our free independent advice and the work we do on reviewing every prepaid plan we can find – and that is a lot! Prepaid Funeral Review!

If you are NOT ready to go ahead, please ask for the Guide and maybe have a general chat with me  – recommendations are pointless (and time-consuming for me to do) if you are not ready. Things change quickly so they may be different in a couple of months. My Free Guide to Prepaid Funeral Plans (above) is a great place to start.

Apparently, funerals are the biggest single items on credit cards they generally have to be paid for in advance of the event. Take advantage of 2021s lowest prices before the rest go up! 

2021 was shaping up to be potentially a good year for clients of the Prepaid Funeral Review with more competition keeping prices down. But FCA Regulation due next year will probably add 6   to 8% to prices, and if history repeats itself, we will be forced to charge fees. So competition has temporarily slowed down the rate of increase – but not for long!

The Funeral Planning companies are also trying hard to improve their offers – some offering discounts, others adding additional guarantees, at least to cremation plans. So watch out for improving reviews, but be aware that some are also quietly removing benefits to appear more competitive. We don’t give ratings on our prepaid funeral plan reviews because what is perfect for one person is quite wrong for another – and sometimes they could be neighbours.  We find out what you want, what you can afford, where you live and where you might live. Then we do the research and POST out a full WRITTEN recommendation with FULL details of the plan or plans we recommend as being just right for YOU.

The Direct Cremation market (with no ceremony) is growing too; it is much cheaper, but certainly only for a small group with families and friends who truly understand how they work. Do follow the link and have a look at our direct cremation funeral plan reviews.

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.

Bad / Good News: (or put another way, call us today or pay more!) Regulation by the Financial Conduct Authority is on the way (in 2021/2). It may get rid of some of the hard sell folk, but it 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 (and it is pretty good already). But the market will be less competitive and innovation will be discouraged.  Worse still, Independent Advice and Prepaid Funeral Plan Reviews – 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 and continue offering unbiased prepaid funeral plan reviews 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! (It is still possible – we know a few excellent IFAs who don’t mind helping ordinary people, it is just hard to find them.)

To see our full list of Funeral Plan Reviews, Click Here