Protect your loved ones if disaster strikes
Life Insurance - Peace of mind in an uncertain world
Protecting your loved ones is a wonderful gift to give. For just a few pounds a month, you can provide financial security if you die unexpectedly. Your nearest and dearest never need to struggle to make ends meet.
Start your free, no-obligation quote now
Why get your life insurance quote today?
Am affordable Funeral Plan is, without a doubt, a small investment that will deliver tremendous benefits and peace of mind for you and your family.
No risk, no obligation! Plenty of benefits.
The fast & easy way to compare life insurance quotes
Did you know that funeral costs in the United Kingdom have risen over 120% since 2004, and are predicted to continue rising into the future.**
The cost of living crisis and inflation is also eating away at the purchasing power of your hard-earned savings
With a Funeral Plan purchase, you can fix your funeral costs at today's prices, with the knowledge that your family will not have to be burdened with the costs when you are gone.
**Source: Sun Life Cost of Dying 2021 Report
The essential benefits of life insurance
Paying for your funeral in advance with a funeral plan has a number of significant benefits, including:
- You are in control. Choose the send off that you really want, with a local, independent funeral director that you can trust.
- Peace of mind knowing that your loved ones will not have to worry about paying for, or arranging your funeral when the time comes. At a difficult time for those left behind, your funeral pre-planning could reduce financial and emotional stress.
- You pay for the services of your funeral director at today's prices. This guarantees and insulates you against rising prices in the future.
What are the different types of cover?
Getting your funeral plan quote is simple. No fancy legal jargon, no medicals or health questions. And if you are aged 45 years or older, you are guaranteed acceptance if you choose to proceed with a plan. Expert staff will guide you step-by-step through the process. It's as easy as 1...2...3...
Complete the simple form
Complete the quick fill quote form. It takes less than a minute. You enquiry will be forwarded to an FPA registered funeral plan provider who will provide your quote.
Choose your funeral options
You choose the options you would like for your funeral, your budget and chosen payment option. If you wish to proceed, your funeral plan will be arranged. It's a very simple process for you.
Receive your policy in the post
After you've selected your funeral options your policy will go live, you'll receive all the documents in the post. You'll rest easy knowing your funeral will go without a hitch.
Excellent service. Wanted a straight forward funeral plan. Clear, concise communication, all concerns answered. No hard sell.
Your personalised life insurance quote in 3 easy steps
Getting your funeral plan quote is simple. No fancy legal jargon, no medicals or health questions. And if you are aged 45 years or older, you are guaranteed acceptance if you choose to proceed with a plan. Expert staff will guide you step-by-step through the process. It's as easy as 1...2...3...
Complete the simple form
Complete the quick fill quote form. It takes less than a minute. You enquiry will be forwarded to an FPA registered funeral plan provider who will provide your quote.
Choose your funeral options
You choose the options you would like for your funeral, your budget and chosen payment option. If you wish to proceed, your funeral plan will be arranged. It's a very simple process for you.
Receive your policy in the post
After you've selected your funeral options your policy will go live, you'll receive all the documents in the post. You'll rest easy knowing your funeral will go without a hitch.
Help is only a phone call away
Any questions? Prefer to talk to someone now? A team of friendly experts are here to help from 9am to 6pm, Monday to Friday.
Your life insurance questions answered
When first exploring the idea of a prepaid funeral plan, many people are unsure of how they work, and whether they are a good fit. At Funeral Plan Plus we are happy to answer these questions for you.
What is a prepaid funeral plan?
A prepaid funeral plan is purchased with either a single one-off payment, or a monthly payment plan, generally by direct debit. It allows an individual to pay in advance for their own funeral, or someone else's.
The money is then used by the funeral plan provider to deliver the agreed funeral options on the death of the person named in the plan. Most independent funeral plan providers will use local, trusted funeral directors to make the arrangements.
Is the money you invest in your plan protected?
The money to provide your funeral may be held safely in two ways. Typically, funeral plan funds are held in a life insurance policy called a 'whole of life policy', or in a trust which is not controlled by the funeral plan provider.
Whichever method is used, your funds are held separately from the funeral plan provider until you pass away and they need to be used.
How is your funeral plan actioned when you die?
It's important that when you take out a funeral plan you notify loved ones of your plan, where you purchased it, and if appropriate, let them know where the paperwork is stored.
When you pass away, your loved ones will be able to contact the funeral plan provider immediately to get the arrangement process started.
If you haven't left details of your plan, the Funeral Planning Authority (FPA) do offer a free plan tracing service, details are available on their website. This is not an ideal scenario, so definitely make sure your relatives are aware of your purchased plan.
Are funeral plans subject to inheritance tax?
No, funeral plans are not subject to inheritance tax. They are not counted towards the value of your estate, unlike savings, which are liable to taxation if you meet the tax thresholds.
Is the funeral plan provider registered with the FPA?
Yes, the funeral plan quotes and plans you will receive are from a provider registered with the Funeral Planning Authority (FPA).
Although there is no statutory regulation for funeral plans, the FPA provide an overseeing body to ensure best practice is observed. The leading reputable companies are registered with the FPA. You can access the list here.
Do I need a funeral plan?
It is of course, everyone's choice how they choose to plan for their funeral, or not plan at all. But paying for your funeral in advance puts you in control.
With prices of funerals continuing to spiral ever upwards, many people are choosing to take out a prepaid funeral plan.
This allows you to pay either a small monthly payment, or a one off payment, to fix your funeral costs at today's prices.
There are plenty of options available, you can choose a basic plan, or incorporate add-on options such as flowers, cars, headstones etc.
Can I choose what options I want for my funeral?
Yes, of course.
Depending on the particular plan you choose, you are able to specify what your funeral director will need to do to carry out your wishes when you are gone.
From flowers to cars, to headstones. You choose how you want your final journey to be organised.
Are there different levels of funeral plan?
Yes, your funeral plan advisor will provide you with all the information you need.
Depending on your budget and the type of send-off you want, a plan exists to meet your specific requirements.
How do I get a quote?
Getting a funeral plan quote is simple. Just complete the simple form here, it takes less than a minute.
Once completed, a member of the team of expert funeral plan staff will search the best options for you, and come up with a price and policy to suit your needs.
If you are not entirely satisfied with their quote, you have no obligation to buy. If you are happy, then they will complete the paperwork for you and get the paperwork in the post.
It's as easy as 1,2,3.