100+ Prepaid Funeral Plan Comparisons.
This prepaid funeral plan review directory is for those of you with an analytical brain and time on your hands to do all the research (which we have already done) as well as understand the jargon and contracts. For the rest of you, just give us a call on 0800 0588 240 – you will probably pay less than all the folk who do all their own research! Our funeral plan comparisons cover over 30 companies and well over 120 plans – if we have missed a tiny or very new one, please let us know!
Because choosing the right prepaid funeral plan depends on so many factors, we don’t operate a star rating system – all our recommendations are personal ones.
Let no one tell you that choosing a prepaid plan is easy. There are so many providers, each offering many different plans, any form of comparison is hard, even if you do understand the jargon and tricks of the trade. Every prepaid plan has its disadvantages. But the providers’ salesperson won’t point those out to you, just their advantages. Don’t misunderstand, a good prepaid plan is a great boon. But why not get the best one for your circumstances and wishes?
That is where our Review Team start their job: to help you to get (free) advice on the prepaid plan which is the most suitable plan for your needs – which will be a unique combination for everyone. There are a few tips on how to choose a prepaid plan here – but doing the full research job is a major undertaking for an individual – and it will cost you nothing to take advantage of all the work we have done and continue to do, week by week as things change.
(If you are under 50 go here.)
There are two sorts of prepaid funerals on the market:
1) Prepaid Funeral Plan Review Directory.
If you are looking for Direct Cremation plans, click here.
These actually pre-pay all or part of the funeral – which is really rather the idea! The alternatives are insurance type plans which mostly pay out a fixed amount which will rapidly decrease in value unless you keep adding increasingly expensive top-ups each year. Why? Funeral cost inflation is much higher even than normal inflation. The death benefit has no relationship to the cost of burial or cremation. Most have other major disadvantages too – our advice is stick to proper prepaid plans.
- Age UK
- Avalon Plans
- Capital Life
- Choice Prepaid Plans from Funeral Planning Partners.
- Chosen Heritage
- Co-operative Cremation or Burial Plans (NB there are MANY different Co-ops!)
- Family Funerals Trust Ltd.
- Funeral Planning Services
- Golden Charter
- Golden Leaves – Green Funerals
- Golden Leaves .
- Iberian Funeral Plans
- Legal & Financial
- Legal & General (they also sell Dignity plans).
- The One Plan
- Perfect Choice
- Plan with Grace
- Post Office (which is a Dignity plan.)
- Prosperous Life
- Regency Plans (link)
- Rest Assured Trust
- Safe Hands Burial & Cremation Plan.
- Silver Clouds
- Sun Life.
- In Scotland? Or any rural area – Warning!
Most of these are the classic Over 50’s insurance. They have their own separate directory – click the link above. We don’t like them much. Even the companies selling them don’t attempt to describe them as proper funeral plans because they are not too good at doing that job! Major problem with most is twofold – no inflation proofing and no cash value at all if you stop payments at any time, whether deliberately or accidentally!
Considering thousands of people buy them every month – mostly for prepaying funerals – there seems to be much public confusion about what is and is not a proper funeral plan. Let us protect you from the adverts!