Pre Pay Funeral | Benefits

pre pay funeral

Besides going to university, buying a house and getting married, dying is one of the most expensive things we will ever do.

A basic funeral costs an average of £4,184 – but that’s just the funeral; it doesn’t include expenses such as professional fees and providing a wake. Taking everything into account, the average cost of dying is £9,263 – up 128% since 2004. The increase is simply because funerals are getting more expensive, and if prices continue to rise at the same rate, a basic funeral in 2025 is predicted to cost over £5,000.

Investing in a pre pay funeral plan can protect against the rising cost of funerals. A pre pay funeral plan enables you to pay for the funeral up front, either in a lump sum or convenient monthly instalments.

Importantly, it allows you to lock in specific services – including the funeral director – at today’s prices. In the long term, a pre paid funeral plan could save you, or your family, a significant amount of money. 

You should pick a pre pay funeral plan that meets your needs and reflects your wishes; prices will vary depending on the type of funeral service you’d like – a cremation is cheaper than a burial for example, and some coffin materials are more expensive than others. 

Another benefit of a pre pay funeral plan is that it allows you to arrange in advance. You can choose the type of service, the flowers, the funeral music – almost every aspect of your funeral, to ensure that you get the farewell you want. Funeral planning can also include Wills, Inheritance Planning, Probate and LPAs.

Planning a funeral can be daunting and emotional; by investing in a pre pay funeral, you have removed the burden of decision-making for your loved ones at a difficult and painful time – although it’s a good idea to listen to their input while planning!

Capital Life has a number of pre pay funeral plans to suit almost all budgets; contact us now or call 0800 411 8683 and one of our friendly advisors will be happy to guide you through the options available.

Meta description: Dying is one of the most expensive things we will ever do, but a pre pay funeral plan can help reduce the costs and emotional burden of planning a funeral.