Funeral Plans




Prepaid funeral plans can be a lifesaver for your family when they’re at their most vulnerable. But with so many options available, how do you know which one is right for you?

Some plans provide assurance of services from a funeral director, while others give your family an allowance towards third party costs. Be sure to compare the level of cover available and what it includes.

Golden Charter

Golden Charter, the leading independent funeral plan provider in the UK, provides customers with a straightforward choice between lump sum or monthly insurance premium options. They boast an impressive reputation for customer satisfaction and are affiliated with over 2,900 independent funeral directors across England.

Golden Charter funeral plans provide you with peace of mind by securely transferring all payments made under the plan to an independently managed trust, so that any funds paid can be accessed promptly to cover funeral costs. This meets the highest legal standard required and ensures your money remains secure.

A funeral plan can help secure the cost of your chosen services at today’s prices, guaranteed. As your funeral director, we’ll hold full details of your plan so it can be activated and organized when needed.


Dignity is one of the largest funeral providers in the UK, boasting 350 funeral directors across the country as well as an expansive network of crematoriums and burial grounds.

They provide pre-paid funeral plans and at-need services. Their prepaid funeral plans are perfect for those who like to plan ahead, with various payment options available.

Prepaid funeral plans offer you the freedom to select specific services for your loved one’s memorial service, helping protect them from the rising costs associated with funerals. They’re an excellent way to protect those you care about from unexpected costs associated with funerals.

Pay for a Dignity funeral plan either all at once or in monthly instalments that are free of extra fees. They’re regulated and authorized by the Financial Conduct Authority, meaning your money is protected should they go bankrupt.


Avalon is one of the largest and highest rated funeral plan providers in the UK, having been established since 1990 and working with more than 1,800 independent funeral directors across both Europe and the UK.

Their plans have been recognized as the ‘Best Funeral Plan Provider’ for three consecutive years by The Personal Finance Awards and are also Defaqto 5 star rated.

They operate throughout the UK and Europe as members of the Funeral Planning Bureau, offering a selection of flexible pre-paid funeral plans tailored to each individual’s requirements.

Your Avalon plan secures all payments made through a trust that is independently managed by investment managers, shielding you and your family from the potential financial repercussions of any failure.


SunLife has become a household name in the UK due to its guaranteed over 50s policies. Its TV advertising campaigns feature celebrities like Michael Parkinson and Frank Windsor.

These over 50s funeral plans offer guaranteed acceptance – meaning you can apply regardless of any medical issues you may have. However, they can also be quite pricey.

After making payments for a certain period (usually one or two years, known as the moratorium period), and not missing any payments, you will be covered for your chosen funeral services.

Finding the ideal funeral plan can be overwhelming with all the choices available on the market. To make an informed decision, take time to compare products and prices thoroughly. is an information and guidance-only website. The information on the site is not tailored advice to each individual reader and, as such, does not constitute actionable legal advice nor actionable financial advice. All information, guidance or suggestions provided are intended to be general in nature. You should not rely on any of the information on the site in connection with the making of any personal decisions, and you should always do your own in-depth research first and speak to specialists.

By using this website, you accept that you use the information at your own risk, and we can’t accept liability for any action you take. You should also note that we do not provide financial advice or legal advice, and no content or articles on the site should be regarded as financial advice or legal advice. You should always do your own research before choosing any financial or legal product, so that you can be sure it is right for you and your specific circumstances.

We aim to provide helpful content, but we can’t guarantee that it is always correct. We try to provide the best information we can. However, we cannot guarantee we won’t make mistakes. We can also not guarantee that the information you read is up to date from a legal or financial perspective. So please note that you use the information on our site at your own risk. We advise that you read our information in conjunction with other sources. If you do find any errors, please email us at

At times we work with third parties who act as affiliates or partners. We might receive a commission or payment from them if you were to engage with them directly. We do not also provide quotes, advise or sell products directly to consumers, nor are we a Financial Conduct Authority (FCA) Licensed Agent or Broker. This site is an information hub and the options expressed are our own and should not be considered as advice.

We always strongly recommend that you get professional advice when seeking support on any topic, particularly legal and/or financial advice. Further guidance on financial topics can be obtained from You can also find legal advisors through the Law Society website.

About the author

Latest posts

  • Best 70th Birthday Gift Ideas for Mum

    Welcome to our guide on the best 70th birthday gift ideas for mum! As your mum reaches this incredible milestone, it’s time to celebrate her in a truly special way. We’ve curated a list of unique and sentimental gifts that are sure to make her day unforgettable. From personalized presents to luxury indulgences, we’ve got…

    Read more

  • Unforgettable Gift Ideas for Dad’s 60th Birthday

    Celebrating a milestone like a 60th birthday calls for a special and memorable gift for Dad. To make his big day truly unforgettable, we have curated a list of unique and thoughtful gift ideas. From personalized items to experiences, these gifts will show your love and appreciation for everything he has done. Explore our selection…

    Read more