Planning for the future is something many of us mean to do, but it’s easy to put off. Yet, customers often tell us that once their prepaid cremation plan is in place, they feel an immediate sense of relief. Taking this step gives you control and peace of mind, while protecting your family from rising costs and difficult decisions during their time of grief.
This guide explains what a prepaid cremation plan is, what it includes, and why it is one of the most thoughtful things you can do for your loved ones.
What is a prepaid cremation plan?
A prepaid cremation plan allows you to arrange and pay for your cremation in advance, at today’s prices. This means your family will not have to guess your wishes or worry about covering funeral costs during an already challenging time. Choosing a plan puts you in control, reducing the burden of arrangements and financial pressure on your loved ones.
The process is simple. You choose a cremation plan that suits your needs, then make either a single payment or spread the cost with monthly instalments. Once purchased, the cost for the services in your plan is fixed and will not increase. When you make these arrangements with a reputable provider, your wishes are placed in the hands of professionals who will carry out everything with compassion and expertise.
What’s included in a prepaid plan?
A quality prepaid cremation plan should cover all the essential services required for a dignified and respectful cremation. There should be no hidden costs or surprises.
- All professional funeral director services and cremation fees
- 24/7 support from a dedicated team when it is needed most
- Collection of the deceased from any hospital or mortuary in mainland UK
- A simple, dignified wood coffin
- Transportation to the crematorium with no mileage restrictions
- Completion of all necessary legal and cremation paperwork
- Depending on the plan, return of the ashes directly to your family (or this can be added at the time of need)
With clear, upfront pricing, you can be certain that what you see is what you pay.
Why choose a prepaid cremation plan?
- Guaranteed protection against rising costs: The average cost of a simple attended funeral is reported as £4,285. A prepaid plan locks in the price permanently.
- Reduces pressure from loved ones: Planning ahead alleviates the stress of making choices during a time of grief.
- Peace of mind: Knowing your arrangements are handled by professionals provides immediate relief.
How your money is protected
All funeral plan providers are authorised and regulated by the Financial Conduct Authority. Payments are held securely in either an independent trust or an insurance policy and are protected by the Financial Services Compensation Scheme (FSCS).
Who should consider planning ahead?
A prepaid cremation plan suits anyone who wants to protect their family from rising costs and difficult decisions. It is especially suitable for those who prefer simplicity over a traditional ceremony, have family living far apart, or value being organised.
Important things to consider
Not all cremation plans offer the same level of service. When comparing providers, check that all essential services are included to avoid unexpected costs. Look for strong credentials, positive reviews, and transparent pricing.
Taking the next step
Getting started is straightforward. A quality provider will offer compassionate guidance without pressure, helping you understand your options clearly.
Planning ahead is one of the most thoughtful gifts you can give your family.
