How funeral payment plans help you pay for a funeral in advance

Paying for a funeral in advance can clear your mind of any worries about your family or friends having to take on the organisation or the costs.

Funeral payment plans are one of the ways to pay for a funeral ahead of time. Plans range from elaborate, traditional funerals to cheap funerals for those who value simplicity or want to prioritise their money elsewhere.

Getting a funeral payment plan lets you choose the type of funeral you want and gives you flexibility with how to pay too via a choice of different payment durations.

What are the benefits of paying for a funeral in advance?

Paying for a funeral ahead of time for yourself or someone else reduces the emotional and financial pressure of arranging a funeral at the time of bereavement and can also save money.

Protection against rising funeral costs

Once a funeral payment plan is set up and paid for the funeral will go ahead as arranged and there won’t be any extra to pay even if funeral prices rise.

Since 2004, funeral costs have more than doubled+ so getting a plan now ensures you don't have to pay inflated costs later down the line.

+ Average funeral costs have risen 116% since 2004 from £1,835 to £3,953 (Sunlife Cost of Dying Report 2023, sunlife.co.uk/funeral-costs)

Clarity about funeral preferences

Pre-arranging your own funeral makes sure your wishes are clear and will be honoured.

Some people want an elaborate funeral with limousines, floral tributes and many mourners.

Others prefer a cremation only with no attendees to prioritise their money elsewhere or have a unique celebration of life instead.

No delay in starting the funeral arrangements

Funeral providers often need payment or a deposit upfront before carrying out their services.

Getting money from someone’s estate, government support or other later-life financial planning products like life insurance or over 50s life cover may require a death certificate first.

In this case, the person organising the funeral may have to initially pay out of their own pocket.

If you’re arranging a funeral for someone else, planning ahead means you can make arrangements at a time when you’re not also grieving.

With a plan in place, it just takes a phone call to start the funeral arrangements straightaway.

Choosing the right funeral payment plan

Decided that a funeral plan is right for you? The next step is to choose a specific plan.

  1. Decide on the type of funeral you’d like.

    Do you want a burial, cremation or a direct cremation?

    A direct cremation is an unattended cremation service and can be a good option if you want a cheap cremation to save money. Direct cremation also gives loved ones the opportunity to hold a separate more personal memorial in their own time.

  2. Research which provider suits you best.

    Consider who offers the best value including any added extras you want, who gives you the best service and who can best accommodate your wishes and requirements.

  3. Choose whether you want to pay in one go or over a longer period.

    Paying monthly gives you flexibility whereas paying upfront provides instant peace of mind.

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Our funeral plans

We specialise in low cost funerals without frills or fuss. We have four funeral plans to choose from.

Find information about our Unattended Direct Cremation Plan and Small Attended Cremation Plans below or for a full length celebrant led funeral service see our Simple Funeral Plan.

Alternatively, you can view our price list or our CMA standardised price list.

Unattended Direct Cremation Plan

From £1,699 or £18.79* per month

Our Unattended Direct Cremation Plan is a great choice for those looking for a simple, low-cost unattended cremation without a funeral ceremony.

With our Unattended Direct Cremation Plan, the cremation takes place with no service or mourners present at our high-quality crematoria where dignified care is guaranteed.

View our Unattended Direct Cremation Plan * Price advertised is for a 50 year old paying over a 10 year period. Total cost is £2,349.80 and includes administration fees.

Small Attended Cremation Plans

From £2,099 or £24.58** per month

Our Small Attended Cremation Plans offer a private funeral where the number of people attending is limited to a small gathering of friends and family.

With our Small Attended Cremation Plans, you can have up to 8 people attending a 10 minute service or up to 20 people attending a 20 minute service.

View our Small Attended Cremation Plans ** Price advertised is for a 50 year old paying over a 10 year period. Total cost is £3,044.60 and includes administration fees.

Adults, regardless of age or health, can take out a plan with us.

  • There are no upper age limits if you’re paying upfront or in instalments over a year.
  • There is no health questionnaire you have to fill out for any of our plans.

Different ways to pay for a funeral ahead of time

You can pay for our funeral plans in a single payment upfront or monthly over a year, 5 years or 10 years. The payment method that is right for you depends on your circumstances.

Paying upfront

Paying for a funeral in advance all in one go is cost-effective and gives you instant reassurance that your funeral arrangements are sorted. Once the plan is fully paid for, the funeral will go ahead no matter how soon it’s needed.

This payment option could be suitable for you if… A different payment option may be better for you if…
You want to save money. Getting the money together to pay in one go would be hard.
You want instant funeral cover. Buying the plan would put you in debt.
You have savings or the ability to save up. You'd prefer to pay over time and put your savings towards something else.

Paying monthly for a year

Paying over a year spreads the cost but you won’t pay any extra than you would paying in one go.

This payment option could be suitable for you if… A different payment option may be better for you if…
You don’t have the money available upfront but still want the best value. The monthly payments are still too expensive.
You want to spread the cost. You are expecting a death within the next year.

It's worth noting if the person covered by the plan dies before all 12 payments are made, the balance of the plan will need to be paid. Otherwise, the plan will be refunded instead of the funeral being delivered.

Paying monthly for 5 or 10 years

You can still get the funeral you want without having to pay a large amount in one go. Paying over 5 or 10 years requires the least amount of money to be paid upfront, but will cost you more overall.

This payment option could be suitable for you if… A different payment option may be better for you if…
You want to pay less each month. You want to spend less overall.
You don’t want to sacrifice any pre-existing savings. You think you might miss payments.

Be aware that if you can't keep up with the payments you could lose the money you’ve previously paid and your plan might be cancelled.

Get in touch

Want more information about our different payment options? Researching funeral plans can be a lot to take in and we would never want you to take out a plan that isn't right for you. We're on hand to help if you need us.

Have a chat with us

Distinct phones

Want to talk through our options? If you have questions or would like some in-person support we’re just a call away.

Call us on 01543 211997

Get a FREE guide

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Need some time to digest the details? You can download a PDF of our guide online or get a printed copy posted out.

Get our guide

Set up a plan online

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If you’re happy that one of our plans is exactly what you’re looking for, you can get everything set up yourself online.

View our funeral plans

How funeral payment plans keep your money safe

Funeral plan providers have to follow strict rules to make sure your money is looked after and the funeral you’ve paid for will take place as promised.

Distinct Funeral Plans Limited (DFPL) is authorised and regulated by the Financial Conduct Authority (FCA) which all legally-operating funeral plan providers have to be. We take our obligation to keep our funeral plans safe very seriously. We look after your money and our plans also cover you for accidental death from day one.

Hidden extras

Part of the FCA rules for funeral plan providers is that they must give you clear prices and clear information about what’s included upfront. This avoids the risk of there being hidden and unexpected costs that you weren’t aware you had to pay.

  • If there are extra fees for additional services, the cost of these and how they work should always be transparent.
  • Funeral plans have to have an explanation of what the plan does and does not include.
  • Information given out must be clear, fair and not misleading.

It’s worth doing the research when you’re choosing a funeral plan to discover the one you want. Take the time to feel comfortable that you’re making the right choice for you and always read the T&Cs before paying for a funeral in advance.

Our funeral plans don't have any hidden extras and the upfront cost or payment schedule of our plans will not change once the plan's been set up.

Paying for someone else

Being able to arrange and pay for a funeral in advance can be useful, especially if your relative or loved one is nearing the end of their life or needs care.

Once a plan is set up, your funeral provider can set the arrangements in motion as soon as they are told to do so.

So if you live far away or you are travelling away from home, setting up a funeral plan for someone else reassures you that they will be respectfully brought into the care of the funeral provider you trust.

Set up a plan for someone else

Other useful resources

As well as setting up a prepayment funeral plan, there are other ways you can prepare for a funeral ahead of time too, whether it's for yourself or you're thinking about arrangements for someone else.

How to prepare for your own death

Table Set On Beach

Your life can be commemorated in many unique and personal ways. Explore your options and get ahead with the practical arrangements.

Prepare for your own death

Arrange a funeral from £1,099

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Our cremation funerals can also be arranged at the time of need if your loved one is receiving end-of-life care or you've had a recent bereavement.

Arrange a funeral now

We offer the highest level of support, but don't take our word for it

Below are a selection of reviews from those who have arranged a funeral or purchased a funeral plan through Distinct Cremations.

"Smooth and straightforward purchase with plenty of contact and feedback."

“Easy to use and very helpful. Very easy to use their services and always called with updates. Sorry to say I've had to use their services twice now and I've already booked my own service. On both times I've used this service I've been kept informed by calls to everything going on. All my requests were made to feel like no trouble whatsoever, happy to help attitude made what was a very emotional time pass with no problems. Ty to all the teams involved"

"Quick and easy to arrange. Very good value. The information pack arrived days after I made my enquiry. It was so easy to arrange the plan that I wanted. The follow up call was very reassuring. I am very happy with the service provided."

"Already recommended to other family members. Easy to access and apply for a plan at a good price, and even better, in 20 years time there will be no additional cost. It's not a subject that anyone wants to think about but now I have it sorted it has given me peace of mind knowing my family won't have the worry or cost when that time comes, now I can forget it and enjoy many more years, highly recommended. Hassle free application that was completed in minutes but I'm not planning on using this plan anytime soon!!"

"I was very pleased with the prompt efficient service that I got, everything was explained to me, and the paperwork was easy to understand, and there was no pressure put on me for a decision. I would most certainly recommended this company for price and efficiency."

“Happy with everything. We were well pleased with the consultant Sarah Mills she was very helpful and made us feel very confident that we were doing the right thing about our funeral plan."

"Positive without being pushy. Easy to understand the scheme, helpful brochure and a realistic price. The staff I contacted were polite and professional. Great value. An ideal alternative for those of us who don't want a lot of fuss."

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