How do funeral plans work?

- 21/10/21

Funeral planning rarely comes at the top of priority lists but having a solid funeral plan in place comes with a whole host of benefits. Avoiding the tricky conversations or simply putting off funeral plans can leave families in financial trouble and emotional difficulty.

Our comprehensive guide details the key points of funeral plans and outlines how they work. Understanding all of this is the first step towards avoiding potential problems in the future, whether that is for yourself or on behalf of a loved one.

What is a prepaid cremation plan?

A prepaid funeral plan allows you to pay in advance for the exact services you want while you are still able to do so and avoid leaving families with any unexpected costs. Prepaid plans protect holders against any future rises in cremation costs.

What are the benefits of a cremation plan?

Putting together a funeral plan and paying it off offers total peace of mind. The major benefit of having a funeral plan in place is that costs are frozen at the current market rate. This means your cremation is protected against any future price increases and can be paid off in plenty of time.

From choosing exactly which services you would like to completing all of the necessary paperwork, a prepaid funeral plan takes care of everything ahead of time. Having a prepaid cremation plan in place is a useful way to help loved ones during a time of great stress by giving them one less thing to worry about.

Prepaid cremation plan pros & cons


  • They protect against rising costs. Things like inflation affect funeral prices so you could end up paying more if you wait until the time comes.
  • They cement your arrangements in place. This saves your family the time, effort and stress associated with arranging a funeral.


  • The flip side is that if prices fall, you may end up paying more. While this is unlikely, the Competition and Markets Authority have previously considered pricing controls.
  • Some plans do not cover everything. What is covered varies from provider to provider. If any details are missed, families will be left to cover costs.

Pre-need funeral planning checklist

When putting together your funeral plan there are certain things that will be predefined according to what the plan has to offer and your budget. However, there are many other elements that come together to form your plan that must be collated according to the wishes of the person taking the plan out. Some of the most important things you may need to think about include:

  • Choosing a crematorium
  • Choosing a date and a time
  • Whether you would like a private or public service
  • Putting a guest list together
  • Write an obituary
  • Transportation for attendees
  • Deciding whether you would like to receive the ashes, if so where to scatter them
  • Choosing a coffin/casket/urn if applicable
  • Selecting music, readings and order of service if a service is to be held

What costs are covered in a cremation plan?

No two funeral plans are the same. Although there are many similar things covered, the final plan and cost is down to the individual’s wishes and the funeral plan provider. The first thing to decide on is the level of service needed and which package is required.

With an agreed and prepaid cremation plan, a record is made of preferences, for example, date and time of cremation, choice of crematoria, the cremation service, how many people will attend, which readings are read. The beauty of an agreed plan is that you can add as much or as little detail as you’d like.

Distinct Cremations prepaid cremation plans cover the essentials - a coffin, a simple urn, the cremation and return of the ashes. You can either opt in for a simple, no-fuss unattended cremation by choosing our Individual Cremation Plan at £1475 or choose to have a number of attendees and a cremation service. Then our Discreet Cremation Plan at £1775 or Complete Cremation Plan at £2245 will be the ideal option for you. You may upgrade your plan at any time. The cremation cost can be broken down into monthly payments and acceptance is guaranteed.

How do Distinct Cremations' prepaid cremation plans work?

Choosing the right funeral plan for your needs is straightforward thanks to our fuss-free cremation plan options. All of the essentials you will need are included in the price, with the main differences between our three options being the length of service, number of mourners in attendance and the choice of date or crematoria.

All you need to do is select which of our three cremation plans you would like, get in touch with us and our expert team will be able to guide you through the process. There are multiple payment options available including 12 monthly instalments at 0% interest and paying the balance in full.

You can request a guide from us or get in touch with our team today to begin putting the right cremation plan in place for you and your family.

Distinct Cremations is a trading name of Distinct Cremations Limited I Registered in England, No. 13366310 and Distinct Funeral Plans Limited (Prepaid Funeral plan provider) I Registered in England, No. 13366327 | Registered Office Westerleigh Crematorium, Westerleigh Road, Bristol BS37 8QP | Part of the Westerleigh Group |