Prepaid Funeral Plan Reviews 2021: FREE Independent Advice

Start your prepaid funeral plan journey below 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!

No one plan is best for everyone, and even two neighbours individual circumstances might just be that tiny bit different, so the “prescription” would not be the same. Our prepaid funeral reviews are here to help – just call 0800 0588 240, from 9 to 9 any day, and speak to me, Steve Pett. But act soon as there are well-intended but naïve poorly researched storm clouds on the horizon...the Financial Conduct Authority has continued with its mission to ensure ordinary people can’t get Independent Advice because they will have to pay a direct advice fee from July 2022, rather than some commission being built into the plans, as at present. And we would have to find the best part of £20,000 to start with, just to carry on giving independent advice, as well as accepting unlimited liability for other people’s bad selling tactics! More here, but it is dull, so I would just carry on below!


If you think choice is a really bad thing, then it is looking good (only the FCA are anti-choice, and anti-Independent Advice).  Around 20% of funeral plan providers have applied for authorisation by the Financial Conduct Authorities first deadline, after which the firms will have to pay vastly higher fees to the infefficent FCA to bolster their City level salaries.

They don’t publish figures on the number of Independent Funeral Plan Advisers who have applied to be regulated (bearing in mind they can only make money by finding lots of clients willing to pay substantial fees!)  I know that the majority of Independent Funeral Plan Advisers realised the FCA wanted them out of business, and won’t even be attempting to uncessarily line the FCAs pockets.

We repeat the question:  Why do the FCA seek to deny the best form of advice, INDEPENDENT advice to ordinary people?  Surely, they should be promoting competition, and that can only be effective through either making all products rigidly standard or through a thriving independent advice community?

UPDATE:  so far, 6 out of well over 100 independent funeral plan advisers have applied for Regulation.

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.

Unusual New Funeral Plan Launched:

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!

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