5 myths about prepaid funeral plans


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Find out what a prepaid funeral plan covers and how to choose the best funeral plan for you.


If you’re researching funeral planning services, or considering a prepaid funeral plan, it’s important to fully understand what you’re buying. Separate funeral planning fact from fiction with these five busted myths:

Myth no.1: Funeral plans are a type of insurance

Pre-paid funeral plans are not an insurance product. You are pre-paying for your funeral and covering the cost of funeral director fees. You can do this in one lump sum or in monthly instalments.


Be aware that some companies sell products called ‘funeral plans’ but they are actually insurance policies. The pay-out can be spent on anything and the details of your funeral won’t be arranged in advance. A real funeral plan is not an insurance policy and will specifically pay for funeral director fees when you pass away.

Myth no.2: If you miss a payment, you’ll lose all your money

Missing an insurance premium payment can mean that you will lose all the money you’ve paid in. That can be thousands of pounds.


When you buy a Trust fund-based funeral plan, your money remains in Trust and is secure for the life of the plan. All of Avalon’s plans are Trust fund-based.


In addition, Avalon offers flexible payment options to help you manage your monthly payments towards your funeral plan.

Myth no.3: You might pay in more than you get out

This is true of many life insurance policies. If you live for a long time, you will likely end up paying in more money to the policy than the lump sum your family will receive after you’re gone.


This should never be the case with a pre-paid funeral plan. When you buy an Avalon plan, you are paying for funeral director fees in advance, as well as an allowance for third-party costs, depending on the type of plan you choose. Once you have paid off the cost of your funeral plan, monthly payments will stop.

Myth no. 4: You’ll be pressured into buying an expensive plan

Some unregulated funeral plan providers, who are not members of the Funeral Planning Authority (FPA), have reportedly been using high-pressure sales tactics. This is why it’s very important that you choose a reputable, trusted provider who is a registered member of the FPA.


The FPA has a robust Code of Practice that outlines how providers should sell plans, how customers should be treated, and what to do if someone makes a complaint. Each year all FPA members must re-apply for their registration and complete a formal process to ensure they are adhering to the Rules and Code of Practice.


Avalon is proud to be a registered member of the FPA. Find out more about the FPA and how it protects your interests.

Myth no. 5: Funeral plans are a rip-off

Avalon’s range of plans start from just £1,895 for a Cremation Only plan, or £17.76 per month. That means that you could potentially save your loved ones thousands of pounds in the long-term.


Find out more about Avalon’s range of funeral plans and start planning your family’s future.


About the author

With a Masters from the University of Bristol, Jessica Hanson has worked in the funeral sector for several years, following the latest industry trends and writing about end of life planning. Jessica has previously written as a blogger for the Huffington Post, covering topics such as death positivity, understanding grief and how funerals are changing. You can find Jessica on LinkedIn and Twitter.