Can you take out a funeral plan for someone else?

Planning a funeral for someone else is a big responsibility and can feel quite daunting.

If you know you’ll be the one making funeral arrangements for a parent, spouse or another loved one, getting a funeral plan for them could help ease your mind.

In 2023, almost half of people didn't even know if their loved one wanted a burial or a cremation.+ Setting up a funeral plan for someone else can be a good way to talk through their preferences and ensure their funeral happens according to their wishes.

If your loved one is in care, having a funeral plan also means arrangements can go straight ahead when the time comes, giving you peace of mind if you don't live close or if you're travelling away from home.

+46% of people in 2023 didn’t know if their loved one wanted a burial or cremation (SunLife Cost of Dying Report 2024, sunlife.co.uk/funeral-costs).

What are funeral plans?

When you're planning a funeral for someone else, a funeral plan lets you organise and pay for the arrangements in advance. This can reduce stress at a difficult time and also ensure that you’re not left with any unexpected financial burden.

Laptop For Researching Funeral Plans On Table

With a funeral plan you can:

  • Choose which type of funeral you would like to arrange
    Are you looking for a burial, cremation or direct cremation plan?

  • Choose a funeral provider who suits you and your loved one
    This might mean that they specialise in the type of funeral you’re both looking for or they provide the right added extras.

  • Pay in advance at a set price
    This means if the costs of funerals go up after setting up a plan you won’t be charged any extra.

How funeral plans work

Who can you take out a funeral plan for?

Our funeral plans can be set up for someone else and you also have the choice of telling your loved one about your arrangements.

We won’t inform them without your permission so if you think talking about their funeral would cause them distress, you don’t have to do so.

Can you get a funeral plan for your parents?

Man and grandfather together

Yes, you can get a plan for your parent or two plans if you would like both of your parents’ funerals to be pre-paid and pre-arranged.

If your parent has dementia, Alzheimer’s or another condition which affects memory they won’t be able to set up a plan themselves, but you can still set up a plan on their behalf.

Can you get a funeral plan for your partner?

A couple funeral planning

Yes, taking out a funeral plan for your partner is completely fine whether you both want the same funeral plan from the same company or two different types of funerals.

Some partners wish to set up their plans together and pay for each other’s plans. For other couples, it works best that one person sets up the plan for both people.

Can you get a joint funeral plan?

Couple waking on beach

Despite the name, joint funeral plans provide just one funeral. The reason they are called joint plans is two people can be named on the plan so the funeral can be redeemed when either one of these people dies.

If you would like to pre-arrange and pay for two funerals, you will need to buy two separate plans.

Who should you tell about a funeral plan?

  • If a person is receiving care
    You may find that your loved one's social workers, carers or care home staff ask you about end-of-life planning. Pass them the details of your chosen funeral provider and let them know about the funeral plan and your wishes. They may need to be the ones who contact your funeral provider to start arranging a funeral when the time comes.

  • If you and your partner are arranging for each other
    Communicate your wishes with your children, close friends or other family members as well as with each other. Your funeral provider will need to be called when the time comes to begin the arrangements according to your wishes. If you are the surviving partner and no-one else is aware of your plan, it may not be fulfilled.

Our plans

At Distinct Cremations, we specialise in simple and modest cremations including direct cremations.

Choose from our Unattended Direct Cremation Plan or Small Attended Cremation Plans below or see our Simple Funeral Plan for a full length celebrant-led funeral.

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, this could include 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.

A direct cremation is an unattended no fuss funeral where a person is respectfully and privately cremated with no mourners present. Choosing this type of cremation plan, allows family and friends to come together at a flexible time and location for a more personal memorial service.

However, if you would like to be there in person for the cremation, we also offer a funeral plan with the option to attend at one of our 40 crematoriums across mainland UK.

Choosing a funeral plan

When choosing a funeral plan it's worth doing your research about the options out there. Planning a funeral for someone else means choosing a plan best suited to you and your loved one's collective funeral wishes.

If you'd like more information about our plans to help you with your choice, get in touch with us.

Have a chat with us

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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

Sue bench

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

Woman Buying Funeral Plan On Computer

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

Benefits of taking a funeral plan out for someone else

Once you have the funeral plan set up, it can take several weights off your mind.

  • You won’t have the stress of organising your loved one’s funeral whilst you’re mourning. Your funeral provider will know exactly what you want because it’s all been arranged in advance.

  • You won’t have to pay for a funeral with your own money unexpectedly. It can take a while to access money from someone's estate and often funeral providers will need at least a partial payment upfront to start arrangements.

  • You won’t have to worry about something happening whilst you’re away. It just takes one call to start arrangements.

White Agapanthus Flowers With Blue Sky

Key terms

If you are taking out a funeral plan with us, you might see the following words written in your paperwork or they might be referred to by the member of our team that you’re speaking to. They’re useful to familiarise yourself with, especially when taking out a plan for someone else.

Covered individual

The covered individual is the person whose funeral will be provided in the plan when they die. So when you take a plan out for someone else, they will be the covered individual.

Customer or owner

When setting up a plan you will be the owner which means you will be responsible for payments. The plan may be in your parent's or spouse’s name, but the paperwork will be sent to you.

Nominated rep

The nominated representative informs the funeral director when the covered individual passes away. This can be you if you expect to be the one making arrangements or someone else.

How to pay for a funeral plan for someone else

Another benefit of funeral plans is the flexibility they offer in terms of different ways to pay.

With our plans, you can pay upfront in a lump sum or spread payments over a year for no extra cost. Alternatively, you can pay monthly for longer - our plans offer payments over 5 or 10 years. Spreading the cost over a longer period makes the monthly payments lower, but you will pay more overall.

Yes, as long as the card being used is in the name of the person paying.

Yes, as long as the money is coming out of the account of the person who is setting up the plan.

If you’re setting up a funeral plan for someone else, you will need to have the financial power of attorney to spend their money to set up their plan.

Checklist for setting up a funeral plan for someone else

These are some steps you might like to consider when setting up someone else’s funeral plan for them.

Pen And Notepad On Table

  • If you can, talk to the person whose funeral you’re arranging so you know whether to look for elaborate funerals or direct cremation.
  • Think about your own preferences for their funeral.
  • Research funeral providers who fit what you want.
  • Choose a provider who gives the best service and value.
  • Set up the plan and decide on your preferred payment option.
  • Read through the terms and conditions to make sure you’re happy.
  • Make sure you’re set up as the nominated representative (the person who tells the funeral provider when to start the arrangements) if you want to be.
  • Consider your own funeral preferences and share them with your loved ones.

Other helpful resources

There is no right way to arrange a funeral, only what’s right for you. Here are some more helpful resources about planning a funeral, whether it’s for yourself or you're planning a funeral for someone else.

Experiencing anticipatory grief

Comforting hand holding2

If you're expecting a death it can be a very hard time and you may find yourself experiencing grief even before your loved one's passing.

Dealing with anticipatory grief

Set up a funeral plan for yourself

Sue choose a funeral plan

Whilst you're researching funeral plans for someone else, you may like to also consider your own wishes. Get to know the plans we offer better.

Browse our funeral plans

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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