Best Funeral Insurance Companies in United Kingdom (UK)

In the UK, funeral insurance is a financial product made to assist people and their families in paying for funeral expenses. This specific insurance plan makes sure that funeral expenditures, such as the coffin, flowers, burial or cremation, and other associated fees, are covered, easing the financial strain on loved ones at a trying time. Plans for funeral insurance in the UK provide comfort and the knowledge that one’s last desires may be carried out without burdening remaining family members financially.

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1. Funeral Insurance

Funeral insurance, usually referred to as burial insurance or final expense insurance, is a specific kind of insurance coverage created to aid people in making funeral and related financial plans and arrangements. Compared to standard life insurance, this sort of insurance often offers lesser coverage and lower premiums, with benefits that are expressly designed to meet burial expenses.

 It gives policyholders and their families the peace of mind that money will be available to pay for costs like the coffin, burial or cremation, memorial ceremonies, and other end-of-life arrangements when the policyholder passes away. With the help of funeral insurance, final desires may be carried out without putting loved ones under financial strain during a trying period in their lives.

1.1 Need for funeral Insurance

The realization that funerals can impose a heavy financial strain on families during an already trying time leads to the demand for funeral insurance. Funerals are not just a means to remember the deceased; they are also a practical requirement, and they may be very expensive. These costs, if not properly budgeted for, can cause stress and hardship for mourning family members.

 Funeral insurance fills this need by giving families a dedicated source of money to cover funeral expenses, freeing them from having to worry about how to pay for the essential preparations and enabling them to concentrate on remembering and celebrating the life of their loved one. This kind of insurance ensures that one’s last desires can be carried out in a responsible and kind way.

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2. Best Funeral Insurance Companies United Kingdom (UK)

A funeral plan is an advance payment you make to pay for a funeral’s expenses in advance. The price of funeral plans and their specific inclusions varies. You should compare funeral plans before choosing one since the cost of a funeral plan will differ between providers.

In this article, we’ll examine what constitutes a good funeral plan as well as how to evaluate them.

2.1 Top Funeral Insurance Companies United Kingdom According to Our Rating 

Following are top 10 insurance companies of United Kingdom according to our research,

1. Age Co UK
2. Avalon Funeral Plans
3. Dignity Funeral Plans
4. Golden Charter
5. Bristol Funeral Directors
6. Choice Funeral Plans
7. Coop Funeralcare
8. Golden Leaves
9. Open Prepaid Funeral Plans
10. Lodge Brothers

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3. Age Co UK – United Kingdom (UK)

3.1 Review – Age Co UK United Kingdom (UK)

• The plan for cremation funerals includes a full guarantee for each ceremony.
• One of the highest allowances for burial costs is £1,220.
• Funeral directors covered by Nationwide Dignity are either owned or approved.
• Age Co. is currently used for funeral arrangements.
• One of the major suppliers of pre-paid funeral plans in the UK is Age UK funeral plans, or Age Co as they are currently known. They give countrywide coverage and a variety of alternatives through a relationship with supplier of funeral insurance Dignity.

3.2 Company Overview – Age Co UK United Kingdom (UK)

Age UK is a UK registered charity formed in 2009, launched in April 2009. Despite the national merger, many local Age Concern charities remain independent. The new brand includes Age Scotland, Age Cymru, Age NI, and Age International. Age UK also has a commercial arm, AgeCo Limited, which sells products and services designed for later life, with profits donated back to the charity.

Founded	1 April 2009
Headquarters	London, WC1 United Kingdom

3.3 Products & Services – Age Co UK United Kingdom (UK)

Services offered by the company are,

1. The Basic Plan
2. The Ivy Plan
3. The Holly Plan
4. The Rowan Plan
5. Other Services

3.4 Contact Details – Age Co UK United Kingdom (UK)

You can contact company through,

Phone Number	0800 022 3243
Address	England. 7th Floor, One America Square, 17 Crosswall, London, EC3N 2LB
Email	[email protected].
Official Website	http://ageuk.org.uk/

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4. Avalon Funeral Plans – United Kingdom (UK)

4.1 Review – Avalon Funeral Plans United Kingdom (UK)

• 5 funeral packages are available.
• Prices start at £1,785 and go up to £4,345
• Financial Conduct Authority-approved and overseen installments with full coverage after 12 months*
• Avalon Funeral Plans is a UK-based provider of funeral plans. They are situated in Cheshire and use a network of independent funeral directors to provide their services all throughout the nation.

4.2 Company Overview – Avalon Funeral Plans United Kingdom(UK)

In the UK, Avalon Funeral Plans is a well-known supplier of pre-paid funeral services and funeral insurance plans. Since its founding in 1990, the business has made a name for itself as a reputable and trustworthy option for people wishing to arrange and pay for their funerals in advance.

They collaborate with 70 funeral directors internationally and more than 1,800 independent funeral directors in the UK. They have been in business for over 25 years and are renowned for providing European funeral plans to expats who own second homes or live abroad in countries like Spain, Cyprus, and Portugal.

4.3 Products & Services – Avalon Funeral Plans United Kingdom (UK)

Avalon offer 5 funeral plans ranging from £1,485 to £4,345:

1. Cremation only plan
2. Celebration plan
3. Standard funeral plan
4. Plus funeral plan
5. Premium funeral plan

4.5 Contact Details – Avalon Funeral Plans United Kingdom (UK)

You can contact company through,

Phone Number	+44 (0) 161 486 2020
Address	Avalon Funeral Plans, Brooke Court, Lower Meadow Road, Handforth Dean, Wilmslow, Cheshire, SK9 3ND
Email	[email protected]
Official Website	https://avalonfuneralplans.com/

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5. Dignity Funeral Plans – United Kingdom (UK)

5.1 Review – Dignity Funeral Plans United Kingdom (UK)

• Flexibility to design your own strategy
• Prices begin at £995
• Authorized and governed by the Financial Conduct Authority, Dignity funeral plans are offered by one of the UK’s top and most reputable funeral plan providers in installments with full coverage after 12 months*. Also, they provide funeral services and plans for more than 50 different life insurance companies, including Age Co (formerly Age UK).

5.2 Company Overview – Dignity Funeral Plans United Kingdom (UK)

Dignity not only offers funeral plans, but they also have their own funeral homes spread around the nation, and they are the Cremation and Memorial Group’s largest single operator of crematoriums.

Via Simplicity Cremations, the company’s low cost funeral plan brand, which is presently being redesigned and will be available later this year, Dignity now offers direct cremation options.

Industry	Funeral services
Founded	1994
Headquarters	Sutton Coldfield, Birmingham, UK

5.3 Products & Services – Dignity Funeral Plans United Kingdom (UK)

Services offered by the company are,

1. The Limited Plan
2. The Amber Plan
3. The Pearl Plan
4. The Diamond Plan

5.4 Contact Details – Dignity Funeral Plans United Kingdom (UK)

You can contact company through,

Phone Number	0808 258 0738
Address	4 King Edwards Court King Edward Square Sutton Coldfield West Midlands B73 6AP
Email	[email protected].
Official Website	https://www.dignityfuneralplans.co.uk

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6. Golden Charter – United Kingdom (UK)

6.1 Review – Golden Charter United Kingdom (UK)

• 5 options are available.
• Prices start at £1,785 and go up to £4,099
• Financial Conduct Authority-approved and overseen installments with full coverage after 12 months*
• A well-known supplier of funeral plans is Golden Charter. It is one of the largest networks of funeral director outlets in the UK and is owned by a group of independent funeral directors.

6.2 Company Overview – Golden Charter United Kingdom (UK)

Golden Charter is a leading UK pre-paid funeral plan provider with nearly 2,900 independent funeral directors. Founded in 2016 to protect local businesses, the company has over 30 years of experience and has helped over 900,000 people plan ahead. With a partnership with The Royal British Legion and Poppyscotland, Golden Charter has raised over £600,000 for the Armed Forces community. The company is authorised and regulated by the Financial Conduct Authority FRN: 965279.

Industry	Financial Services
Founded	1989
Specialties	Funeral Planning, Pre-Paid Funeral Plans, Legal Services, Asset Protection, Probate Plans, Estate Planning, Power of Attorney, and Will Writing

6.3  Products & Services – Golden Charter United Kingdom (UK)

Services offered by the company are,

1. The Value Plan
2. The Standard Plan
3. The Select Plan
4. The Premiere Plan

6.4  Contact Details – Golden Charter United Kingdom (UK)

You can contact company through,

Phone Number	+44 800 111 4515
Address	Canniesburn Gate, 10 Canniesburn Dr, Bearsden, Glasgow G61 1BF, United Kingdom
Email	[email protected]
Official Website	https://www.goldencharter.co.uk/

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7. Bristol Funeral Directors – United Kingdom (UK)

7.1 Review- Bristol Funeral Directors United Kingdom (UK)

• 5 options are available.
• Prices start at £1,785 and go up to £4,099
• Financial Conduct Authority-approved and overseen installments with full coverage after 12 months*
• A well-known supplier of funeral plans is Golden Charter. It is one of the largest networks of funeral director outlets in the UK and is owned by a group of independent funeral directors.

7.2 Company Overview – Bristol Funeral Directors United Kingdom (UK)

Samuel Boulton founded the company first as Boulton Funeral Directors in 1866. After that, in the 1870s, the company changed its name to Griffin & Sons, and in 1945, Ewart Cobden Alderwick took control. Ewart played football for Cadbury Heath at a high level and gained popularity in and around the Kingswood neighborhood.

Roy, Ewart’s sole son, joined the family company after doing his father’s bidding. In his hometown, he also rose to prominence after developing an interest in local government during the 1960s and winning a seat on the council for six years, two of which he held as chairman.

Roy Alderwick’s son and son-in-law, Mr. Philip Alderwick and Mr. Derek Gunningham, are the current primary directors and are now at the helm of Bristol Funeral Directors.

The fourth generation are also active members of the business.

7.3 Products & Services – Bristol Funeral Directors United Kingdom (UK)

Funeral services offered by the company are,  

1. The Simple Plan
2. The Avon Plan
3. The Cabot Plan
4. The Redcliffe Plan
5. Other Services

7.4 Contact Details – Bristol Funeral Directors United Kingdom (UK)

You can contact company through,

Phone Number	0800 018 4386
Address	Southville Lodge, Southville Road Southville, Bristol, BS3 1DJ
Email	[email protected]
Official Website	https://bristolfuneraldirectors.co.uk/

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8. Choice Funeral Plans – United Kingdom (UK)

8.1 Review – Choice Funeral Plans United Kingdom (UK)

• Torquay headquarters
• 200+ branches around the country
• Choice Basics (£2,695), Choice Plus (£2,895), and My Choice (£2,895) are the three primary funeral plans (bespoke)
• Upgrades and add-ons are accessible at any moment.
• An accessible 24-hour bereavement advice hotline
• Funeral directors’ fees are set at current rates.
• Ten percent off on any further services
• Free legal evaluation from one of their affiliated businesses
• A Funeral Planning Authority member in good standing partnered with life insurance providers in the United Kingdom
• A participant in Funeral Partners, a UK-wide network of regional funeral directors

8.2 Company Overview – Choice Funeral Plans United Kingdom (UK)

Choice is Alternative Planning Company’s brand name (APCL). The Funeral Partners Group founded APCL, a funeral planning firm, in 2014.

Funeral Homes run by the Funeral Partners Group and APCL Direct are two locations where Choice Funeral Plans can be purchased.

Choice Funeral Plans are now regulated by the FCA, with funds invested in a whole-of-life insurance policy. UK-based life assurance companies are authorised by the Prudential Regulation Authority. Funeral plan monies are covered up to £85,000 by the Financial Services Compensation Scheme.

8.3 Products & Services – Choice Funeral Plans United Kingdom (UK)

Funeral services offered by the company are,

1. Choice Essentials
2. Choice Plus
3. My Choice
4. Other Services

8.4 Contact Details – Choice Funeral Plans United Kingdom (UK)

You can contact company through,

Phone Number	0808 3044 886
Address	46 The Terrace, Torquay, Devon TQ1 1DE
Email	[email protected]
Official Website	https://choiceplan.co.uk

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9. Coop Funeralcare – United Kingdom (UK)

9.1 Review – Coop Funeralcare United Kingdom (UK)

• The UK has more than a thousand funeral establishments.
• Four preset funeral schedules: Gold (£4,199), Silver (£3,950), Bronze (£3,595), and Basic (£3,295)
• Customized funeral arrangements are also offered.
• Masonry Plan accessible for memorial preparation and design
• Payment terms ranging from two to twenty-five years
• Acceptance assured, no higher age restriction
• Completely assured schemes
• “Coop Promise” to carry out the plan in the event that you pass away too soon. Expert help and direction are accessible around-the-clock, seven days a week.

9.2 Company Overview – Coop Funeralcare United Kingdom (UK)

As the biggest funeral director in the United Kingdom, Funeral Services Ltd, also doing business as Co-op Funeralcare, is a fully owned subsidiary of The Co-operative Group, a Manchester-based company that runs over 1,000 funeral homes and had 16.5% of the “at need” funeral market in 2016.  Co-op Funeralcare is registered with the Funeral Planning Authority and a member of the National Association of Funeral Directors.

Along with running funeral homes, the company also runs forest burial sites, crematoria and cemeteries, monument masonry making facilities, and a factory and workshop for coffins.

The Co-operative Funeralcare was once used by other co-ops, such Midcounties Co-operative, for business purposes.

9.3 Products & Services – Coop Funeralcare United Kingdom (UK)

Coop Funeralcare offer four Set Funeral Plans

1. Simple £3,295 (monthly £20.85)
2. Bronze £3,595 (monthly £22.75)
3. Silver £3,950 (monthly £24.99)
4. Gold £4,199 (monthly £26.57)

9.4 Contact Details – Coop Funeralcare United Kingdom (UK)

You can contact company through,

Phone Number	0800 0686 727.
Address	5 George St, Lancaster LA1 1XQ
Email	[email protected]
Official Website	https://www.centralcoop.co.uk/

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10. Golden Leaves – United Kingdom (UK)

10.1 Review – Golden Leaves United Kingdom (UK)

• Located in South London’s Croydon
• Set up in 1984
• Six primary funeral schemes: The plans that are available are Copper (£1,644), Bronze (£2,394), Zinc (£2,859), Silver (£3,364), Gold (£3,719), and Platinum (£3,969).
• Many eco-friendly funeral arrangements
• For foreign nationals residing in Spain, Portugal, Cyprus, the Balearic Islands, and the Canary Islands, funeral arrangements are offered.
• Adaptable payment schedules
• No health examinations required; admission assured
• Founding member of The Funeral Planning Authority and The National Association for Pre-paid Funeral Plans (NAPFP) (FPA)
• A promise that the whole expense of the burial and cremation would be covered

10.2 Company Overview – Golden Leaves United Kingdom (UK)

Golden Leaves provides prepaid funeral planning services throughout the UK.

Croydon, Croydon, United Kingdom

Industries	Funerals
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	1984

10.3 Products & Services – Golden Leaves United Kingdom (UK)

Services offered by the company are,

1. The Copper Plan
2. The Bronze Plan
3. The Zinc Plan
4. The Silver Plan
5. The Gold Plan
6. The Platinum Plan
7. Other Services

10.4 Contact Details – Golden Leaves United Kingdom (UK)

You can contact company through,

Phone Number	0800 85 44 48
Address	16th Floor No1 Croydon 12-16 Addiscombe Road Croydon CR0 0XT
Email	[email protected]
Official Website	https://www.goldenleaves.com/ `

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11. Open Prepaid Funeral Plans – United Kingdom (UK)

11.1 Review – Open Prepaid Funeral Plans United Kingdom (UK)

• Situated in West Midlands’ Solihull
• Direct Cremation Plan (£1,845), Simple Plus Plan (£1,895), Traditional Plan (£3,550), and Select Plan (£4,100) are the four primary funeral plans.
• An Accredited Provider with the Authority on Funeral Planning
• A variety of funeral choices, including personalized arrangements
• A single £195.00 administrative charge
• There are no extra fees or commissions deducted from the plan price you pay.
• No exit penalties (within 30 days)
• Participant in the Funeral Planning Authority, which upholds strict guidelines

11.2 Company Overview – Open Prepaid Funeral Plans United Kingdom (UK)

Open Prepaid Funerals provides a financially secure and ethical method of planning a future funeral.

Industries	Consulting Funerals
Headquarters Regions	Europe, Middle East, and Africa (EMEA)
Founded Date	2003
Founders	David Bastock, John Taplin

11.3     Products & Services – Open Prepaid Funeral Plans United Kingdom (UK)

Funeral services offered by the company are,

1. Direct Cremation Plan
2. The Simple Plus Plan
3. The Traditional Plan
4. The Select Plan

11.4 Contact Details – Open Prepaid Funeral Plans United Kingdom (UK)

You can contact company through,

Phone Number	0330 660 0072
Address	The American Barns, Banbury Road, Warwick, CV35 0AE
Email	[email protected]
Official Website	https://www.openprepaidfunerals.co.uk/

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12. Lodge Brothers – United Kingdom (UK)

12.1 Review – Lodge Brothers United Kingdom (UK)

• Middlesex-based company with branches around the Greater London region
• A family-run company with more than 230 years of funeral industry expertise
• There are five primary funeral options available: Simple Traditional (£3,700), Traditional (£3,800), Dignified Cremation (£2,150), The Dignified Basic (£2,915), and Premium Traditional (£4,900).
• Other services include legal representation with a focus on power of attorney, probate, and wills.
• Several bundles to accommodate various spending levels and preferences
• Available 365 days a year, 24 hours a day, 7 days a week
• Acceptance assured, no age or health limitations
• All assets are kept in a safe trust account, ready to be disbursed when the time comes. A free, online survey called “My Funeral Wishes” is completed, stored, and documented.
• Choices for interest-free monthly payments

12.2 Company Overview – Lodge Brothers United Kingdom (UK)

Lodge Brothers is a family-owned funeral service with 7 generations providing modest and traditional funerals for 240 years. They offer legal services, skilled masons, and an inclusive funeral plan. They also offer floral tributes, limousines, cremation urns, keepsake jewelry, and orders of service. They are available 24/7 for help and support.

12.3 Products & Services – Lodge Brothers United Kingdom (UK)

Services offered by the company are,  

1. Dignified Cremation
2. The Dignified Basic
3. Simple Traditional
4. Traditional
5. Premium Traditional

12.4 Contact Details – Lodge Brothers United Kingdom (UK)

You can contact company through,

Phone Number	020 8818 7725
Address	Ludlow House, 2 Ludlow Rd, Feltham TW13 7JF
Email	[email protected]
official Website	https://www.lodgebros.co.uk/

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13. FAQs – Funeral Insurance United Kingdom  (UK)

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14. Conclusion – Funeral Insurance United Kingdom  (UK)

To sum up, funeral insurance in the UK offers a sensible and affordable way to lessen the financial burden of dying-related costs. By guaranteeing that funeral expenses are paid, it provides policyholders and their families with piece of mind. Individuals can ensure a respectful farewell without unduly burdening their loved ones with financial burdens by selecting an appropriate policy. If you’re looking for an affordable method to get ready for the inevitable, funeral insurance is definitely something to think about.

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