What is a funeral plan?


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Find out how a funeral plan works and why a prepaid funeral plan can give you peace of mind.

What is a funeral plan?

A funeral plan allows the customer to buy and arrange their funeral in advance. Pre-paid funeral plans fix the funeral director fees at today’s prices. With the cost of funerals rising year-on-year, a funeral plan can help you beat inflation and save your loved one’s money.

Depending on the type of funeral plan you choose, they may also be a contribution towards third-party costs, known as disbursements. These include cremation fees, doctor’s fees and the cost of a minister or celebrant.

A funeral plan is not a savings plan or an insurance policy.

Why buy a funeral plan?

Choosing a funeral plan lets you decide what you want your funeral to be like. You can choose whether you want a burial or cremation, leave instructions for preferences, and relax knowing that your wishes will be taken into account.

That means your loved ones also have less to worry about during an already stressful time. They won’t have to wonder what you would have wanted, or argue about the details. They’ll know you’re getting the send-off you’d planned.

You’re also helping your family with the financial worry of planning a funeral. The average cost of a funeral is projected to rise to over £9,500 by 2035. So paying now, at today’s prices, means you could be saving thousands of pounds in the long-run.

*Based on historical market data (2011-19) and Avalon's projections.


How can you pay for a funeral plan?

With Avalon, you can either pay in full with a single payment, or in a number of monthly instalments over a fixed term. Instalments are flexible so you can pay a monthly amount that you’re comfortable with.* Speak to one of our advisors for more information.

Payments are placed in a secure trust fund, held separately to the company and carefully managed by independent trustees to ensure they are protected.

Choosing a funeral plan provider

The Funeral Planning Authority (FPA) is there to protect consumers and ensure a high standard across its registered providers. Not all funeral plan providers are registered with the FPA.

Avalon is proud to be a registered provider, following the FPA’s Code of Practice. This means that we have pledged to treat all our customers in a sensitive, dignified and professional manner – with no unsolicited visits or high-pressure sales pitches. The FPA regularly monitors registered companies to ensure they meet their strict standards.

Compare funeral plans now to find a plan that’s right for you.


*Monthly instalments are subject to charges after 12 months.


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.