Here at Reynolds Financial, we search numerous funeral service providers so you don’t have to. We take some brief information concerning the type of funeral that you want, different ways to pay, interest-free options, and much more. Based on your requirements, we’ll recommend the most suitable pre paid funeral plans for you.

is getting pre paid funeral plans worth it

Nobody wants to think about what might happen when they die, least of all what might happen to their loved ones.  In the same way that writing a will can be daunting, planning your funeral ahead of time can feel frightening, but taking steps to make such arrangements now will leave you and your family with peace of mind for when the inevitable does happen.

In a sentence, a pre-paid funeral plan covers funeral costs in advance and protects the loved ones you leave behind from financial worries and additional stress.  Most people don’t realise how expensive funerals are until they are in the unfortunate situation of having to organise one themselves.

In the UK, a basic funeral including undertaking services can cost anywhere from £4000 and above, depending on whether the deceased is buried or cremated; however, this can significantly increase depending on the area of the country.

The best prepaid funeral plan will typically cover the cost of the funeral directors and all third-party costs. This means that no beloved family member will have to worry about finances while already going through what will be a difficult time; they will be free to grieve and remember you without additional stress.

Different types of plans include those that cover very basic arrangements, such as a direct cremation, transport of the body, and return of the ashes, to more comprehensive plans that can include multiple limousines and better quality coffins.

Some pre-paid funeral plans will be from providers that are members of the Funeral Planning Authority, and some won’t be.

The best pre-paid funeral plans will be tailored to your particular needs, wishes, and budget, which is part of what makes them so reassuring.  Generally, you will be able to pay once in a lump sum or via monthly instalments.

It is worth noting that funerals will become more expensive with inflation, so by paying for a funeral plan in advance, you will be “locking in” at a lower price.

In the end, planning for when you are no longer around is one of the kindest legacies that you can leave your family and friends. With the help of Reynolds Financial, it will also be a simple and hassle-free process.

Just keep in mind that the best pre-paid funeral plans should always be about you: your personal preferences, beliefs, and finances.  In short, a true reflection of the life you currently live.

Prepaid Funeral Plans Pros And Cons

Pre-paid funeral plans may not be for everyone. Although getting a funeral plan can be highly advantageous, there are also some potential downsides that you should look out for.

Make sure to carefully weigh the pros and cons of prepaid funeral plans before getting one:

Advantages Of Funeral Plans

Prepaying for your funeral plan can help your family to avoid cash flow problems and access funerary funds when they need them most. Some people prefer to set aside money to pay for the funeral bills in their will; however, your family may struggle to access the funds immediately, as the legal processes after your passing can be quite lengthy.

So, even if you have enough money for premiums now, you should still consider arranging a funeral plan. Doing so will save your loved ones from undergoing tedious legal procedures in the future.

Another reason to get a funeral plan is that they can still payout even if you haven’t yet finished paying off all of the premiums. Some providers will still hold a funeral as long as you’ve met certain requirements, such as paying for premiums for one year before the holder’s passing.

Now that you know some of the advantages of getting pre-paid funeral plans, it is time to weigh the cons.

Disadvantages Of Funeral Plans

Most people use pre-paid funeral plans to protect themselves from the future rise of funeral service prices; however, it is entirely possible that the cost of funeral services may drop in the future. This could mean that a pre-paid plan may end up costing more, so it is important to be aware of the risk that you are taking.

In addition, a funeral plan may not be the best option for you if you have plans to move or retire in another country. In most cases, funeral plans do not cover you if you choose to organise a funeral outside of the United Kingdom.

You should also be aware that by purchasing such plans, you are tying up your money. This means that all of your investments are non-refundable, so only use these plans if you can truly commit to it.

If you are confident that you can afford the monthly payments, then feel free to invest in a pre-paid funeral plan.

Why Work With Us

Whether you want to purchase a pre-paid funeral plan for yourself or for your loved ones, Reynolds Financial will work to find the best solution for you.

With over 20 years of experience in handling matters of personal finance and insurance under our belts, you can rest assured that are the best people for the job.

We can easily find the right pre-paid funeral plan for you by calling the many trusted providers that we work with. This way, you can find a plan that suits your needs and budget without going through the trouble of contacting all of the different providers out there!

Our best prepaid funeral plans do not have age restrictions, so you can protect the price of your funeral and that of your family members, whether they are young or old. No matter how much funeral service prices change in the future, the cost of your funeral will be unaffected.

If you have any queries about our offers, you may contact us via 01633 838097. For written concerns, you can fill out our contact form at

where to get pre paid funeral plans


Are funeral plans worth the money?

Funeral plans are definitely worth getting as they take the burden off your loved ones’ shoulders once your time comes. We offer some of the cheapest prepaid funeral plans on the Internet, so locking in prices now may be beneficial in case prices rise in the future.

We are offering some of the best pre paid funeral plans online. If you need any assistance in choosing one, just give us a call!

How do pre-paid funeral plans work? What are the Pro’s & Con’s

Prepaid funeral plans UK-wide allow you to pay for your funeral in advance, either in instalments or a lump sum to the provider of the plan. By doing so, you can reduce the hassle for your loved ones once you’ve passed away.

What is the average cost of a pre-paid funeral?

A pre-paid funeral may cost from £2,000 to £4,100 on average. Our highest funeral plan costs up to £4,500.

If you want to pay burial cost in advance to help ease the expenses for your family, you can reach out to us for the most affordable funeral plans.

Is life insurance better than a funeral plan?

On average, getting advance payment for burial will cost you thousands of pounds. Life insurance can potentially cost more even more than this in terms of premiums, but it also gives your loved ones more freedom on what to do with the money. Whether or not this freedom is worth the higher cost is up to you.

Are pre-paid funeral plans safe?

A funeral plan is safe as long as the provider guarantees to cover all of the funeral costs. Any kind of funeral plan should always be protected by insurance to secure your investment.

We offer an affordable burial package pre-payment that can cover all third party costs, including the services of funeral directors. We will ensure that the ones you leave behind will have nothing to worry about in terms of finances.

What happens if I die before my funeral plan is paid?

It is understandable that death may come when you least expect it. If you pass away before all the instalments have been paid, a representative will need to pay the rest of the balance.

However, the advance burial payment that we offer will be tailored to suit your needs and budget. Because of this, you can rest assured that you will have a say in what type of funeral you will get.

Can I pay for my funeral before I die?

Yes, with a pre-paid funeral plan, you can be sure all the costs are covered long before you pass away, reducing the burden on the loved ones you leave behind.

It also works the same way if you are a representative who is arranging a family member’s funeral plan.

Are over 50 plans worth it?

If you buy an over-50s plan and die six months afterward, most plans will not pay out the cash lump sum. If you are considering getting this type of plan, we highly recommend that you read the small print first. Doing so will let you know how much money you’ll have to pay, as well as the amount that you can get back.

Reasons To Get Funeral Plans

The best prepaid funeral plans are those that best fit your budget and needs. Whether you choose a plan for a fancy funeral or a simple one, it will cover the cost of the whole package and can be paid in monthly instalments.

However, most people do not invest in funeral plans for the sole purpose of having a fancy funeral. They are there for those who are worried about not leaving enough money for their funeral once they pass away.

By exploring all the pre paid funeral plans UK has to offer, you can pay for your own funeral (or someone else’s) long before the inevitable happens. This will not only give you peace of mind but your family as well.

For affordable funeral arrangements, just give us a call, and we will gladly discuss your options based on your requirements.

Pre-paid Funeral Plans: How Do They Work?

Pre-paid funeral arrangements are a type of insurance policy, allowing you to pay for your funeral, whether by monthly instalments or a single payment. If you do decide to pay with a lump sum, you can either choose to pay for it by yourself or have an insurance company take care of it.

However, there are some things that you should consider before getting a funeral plan. For instance, funeral arrangements can be costly when paid with a lump sum, which is why many people choose to pay monthly.

By using our pre-payment burial package, you have the freedom to choose whether you want to stretch your monthly instalments between six to 12 months or even up to five years, depending on the plan that you prefer.

We can also arrange everything that you need in advance, from music and flowers to transport services. You can rest assured that your last wishes will be carried out just the way you planned it, and everything that we organise will be worth the expenses.

Things To Consider Before Getting A Pre Paid Funeral Plan

what are pre paid funeral plans

A pre paid funeral plan has several advantages other than relieving your family’s financial distress once you’re gone. The most significant benefit is that it can make your funeral a lot cheaper as the price of the typical funeral service can rise in the future.

By investing early in these plans, you can have peace of mind that the price of the funeral arrangements that you and the plan provider have discussed beforehand will not change, regardless of future price changes.

Always check what your funeral plan covers to make sure you will receive the funeral service you want.

Funeral plans don’t need to cover everything in your funeral. Some companies will offer you bespoke plans that cover everything, or you can choose which things you want to include in the plan and those that you want to organise separately.

If you want a bespoke funeral plan, get in touch! We will ensure that you have a plan that meets your requirements.

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