Why do I need a Funeral Plan?

Covering the cost of a funeral can often be a huge financial problem for your loved ones, and can sometimes come quite unexpected. Not many of us have thousands of pounds to hand to cover the costs involved with a funeral and it can often lead to those left behind having to shoulder a large cost that they cannot afford. By making both practical and financial provision for your funeral before the time comes, you can take comfort knowing everything will be taken care of.

Not sure if you can afford to pay for a funeral plan? Capital Life have a range of plans to cater for all budgets, as well as flexible payment options, making it easier for you to manage the cost. You can choose to pay for your funeral all in one lump sum, or spread the payments over a period of time. Our plans start from as little as £12.52 a month. View our range of funeral plans.

Protection from rising costs

Unfortunately, the cost of dying in the UK is rising every year, and it is projected to carry on rising. Should it continue to increase at the same rate as the last 12 years then by 2024, the average cost of dying will be £11,085*. Just putting money aside may not cover even the basic costs, and that is where a funeral plan can really help.

Sun Life cost of dying report 2020

By choosing a funeral plan now we are securing the cost of the Funeral Directors services at todays prices. It doesn’t matter when you pass away the cost remains the same and will cover everything as laid out in your plan. Choosing a plan is simple and Capital Life have a range of plans to suit everyone and a range of payment options too. Click here to see the range of plans Capital Life has to offer.

With Capital Life Funeral Planning, no matter how you paid for your plan, either by a lump sum or monthly instalments, monies for the fulfilment of your funeral plan are paid into a secure Trust Fund that is completely independent. A panel of Independent Trustees manage the funds to ensure long-term growth in accordance with the current legislations as set out in the Regulated Activities Order (Financial Services and Markets Act 2000), under Article 60.

Capital Life have a range of plans to suit everyone.
Having a Plan in place is a sensible, practical choice that gives you and your loved one’s peace of mindCompare our Plans

Simple Plan




Traditional Plan






Majestic Plan