Prepaid Funeral Plan Reviews 2020: FREE Independent Advice

Start your funeral plan journey below to make an informed decision rather than being sold a – perhaps – inappropriate or inadequate plan.  You can get our Free Guide emailed to you (see below).   Or you can read the individual prepaid 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!

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.

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.


Too early to say whether it is good bad or indifferent, but a careful (and expert) read through their Terms and Conditions of Business raised a few crucial questions. I am not going to publish a review as yet as I haven’t had a discussion with them, but it does raise the issue will you read and fully understand the terms and conditions of a plan before you part with your money? They are not always straightforward!

Our review of this unusual prepaid funeral plan will follow shortly, but it is going to set the cat among the pigeons by being very different!  Good or bad – it could be a marmite job!

STOP PRESS: up to £200 price increase announced by a major provider to take place in mid-December.

STOP PRESS: please read this page if you have a Prosperous Life Funeral Plan.

Funeral Plan Reviews

Chief of Funeral Plan Reviews, and everything!

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!

                                          Steve                  0800 0588 240

It's Saturday 2:18 AMSorry, asleep! Please use form!

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.

OR –  just get the Free Guide to How to Choose a Funeral Plan

(updated 21.10.20):

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.

If a company won’t send you a printed brochure – avoid them.  On the topic of complaints about funeral plans sold over the phone check out our new page on delays to refunds and also Covid related issues.

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

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!

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 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! 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.

Price rises –  one senior executive said one company is raising prices by up to £300.  But be aware that it isn’t just about cost, it is about the quality of the plan.  Two plans may look identical to you, but they won’t to us.  Just recently, better plans have often been cheaper than inferior ones. So get in touch!! Instalments available, interest-free on some plans for several years.

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 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.)

Apparently, funerals are the biggest single items on credit cards.

The undertaker generally has to be paid BEFORE the funeral can take place..
The Prepaid Funeral Review is dedicated to reducing the burden on those left behind.

To see our full list of funeral plan reviews, go here.