Have You Thought About Paying For Your Funeral in Advance?

Have You Thought About Paying For Your Funeral in Advance?

No? Well, you probably should.

A pre-paid funeral plan is a way of protecting your family for when the inevitable happens. Not only financially, but it saves them the distress of arranging an “at need” funeral service. 

So, whether you’ve never thought about the option or toyed with the idea for some time, we explore why it’s a financial product we should all consider. 

If you’ve looked into it before or read an article in the newspaper, you’ll have seen that funeral costs are rising at a rapid rate. Shockingly, if this rise continues at its current rate, the average cost of a funeral in the UK will be £6,200 by as early as 2028. 

Even today, with the average funeral standing at £4,417, it’s a cost that most people don’t consider until they have to. Today, there are now a few different finance options that are offered by funeral directors. They come in the form of funeral finance and pre-paid funeral plans. Today, we’re going to look at the latter. 

What Do You Get With a Pre-Paid Funeral Plan?

There are a few different pre-paid funeral plans on the market, so it certainly pays to do your research and shop around. 

The most obvious benefit of a pre-paid funeral plan is that you’ll pay at today’s price for a service that might happen 20, 30 or 50 years down the line. It also helps to cover the services of a cremation or burial (obviously this will depend on your personal preference). 

You can also detail any wishes you may have for the service itself. For example, perhaps you would like a special reading, a piece of popular music played, or a certain type of flower laid on your coffin or casket. 

This type of financial product gives you full control over your funeral and the type of event you want it to be. You can add as many details that you like, and if your circumstances change after you’ve taken out a plan, you can amend some on them if you wish (a fee may apply). 

Take a look at all of the plans available and make sure you choose one that aligns with your budget and personal preferences. If you’re based in Essex and looking for an independent family run funeral director, then it’s worth exploring S. Stibbards & Sons’ pre-paid funeral plans. 

Their reputation on their rich history that dates back to 1867, meaning they have 5 generations of experience serving their local community. The quality of their service is genuinely reflected in the feedback they receive, and they have a 5-star rating on funeralguide.co.uk.  

Your Money Is Safe

With some pre-paid funeral plan providers, your money is held in an independent trust fund until you die. This guarantees that no matter what happens in the future, your money will be fully protected, and your requested funeral arrangements will be honoured. 

When considering a pre-paid funeral plan, make sure that your chosen funeral provider is also registered with the Financial Planning Authority. They’ll ensure that your money is kept safe.


With the cost of funerals having risen like they have over the past few years, we should all be more interested in how we arrange our funeral and end of life matters.

A pre-paid funeral plan (provided it’s the right one for you) guarantees that no matter how much funeral cost may rise in the future, the costs of your service in the plan are frozen at today’s prices. This will help take some of the financial from you nearest and dearest for when the time comes. 

Making provision for the end of life should now be seen as a sensible step, and the earlier in our lives we accept this; the available options are much better.

Pre-paid funeral plans are a simple way of ensuring your loved ones are protected in future against unexpected costs. Think about what it would be like for your family if you died and then left them with the financial burden when you had the option to do it yourself. Taking out a pre-paid funeral plan is the most considerate and kindest thing you can do.

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