Can I pay for my funeral in advance?

Yes, with Simplicity you can pay for your funeral in advance with a low-cost prepaid funeral plan.

A funeral plan allows you to pay for your funeral in advance, in a lump sum or monthly instalments. This removes the financial burden on your loved ones after you are gone.

Prepaid funeral plans

A funeral plan allows you to pay for and plan your own funeral in advance.

Taking care of your funeral costs with a prepaid funeral plan means you can fix the cost of the services covered in the plan at today’s prices.

You’ll know exactly how much you have to pay for your funeral, without worrying about future inflation or price rises.

A prepaid funeral plan is the smart way of paying for your funeral in advance. It allows you to:

• Ensure your funeral is carried out according to your wishes

• Reduce the financial burden on your family

• Relieve your loved ones from any uncertainty over what you would have wanted

Choosing a funeral plan

At Simplicity, we specialise in providing affordable funeral plans for an altogether simpler send-off.

If you would like a funeral without the ceremonial, often expensive, elements of a traditional funeral, a Simplicity funeral plan could be for you.

Our prepaid funeral plans cover all of the necessary elements of a simple funeral including:

• Cremation fees

• A simple coffin

• Care in our quality mortuary facilities

• Transportation of the deceased in our specialist vehicles

• Return of ashes

You can choose from two plans:

• Essential Cremation Plan – a direct cremation, with no service and no mourners present. 
• Simple Celebration Plan – a 20-minute family-led service at the crematorium for up to 25 guests, with family choosing the date and time (before 10am or after 4:30pm, Monday to Friday, excluding bank holidays). 

How can I pay for my funeral in advance?

Most major providers allow you to pay for your funeral plan in advance in one single lump sum or spread across monthly instalments.

Generally speaking, paying upfront in full is the cheapest funeral plan payment option.

Single upfront payment

If you have the money already set aside, you can pay for your funeral plan in a lump sum, allowing you to relax knowing everything is taken care of.

At Simplicity, we offer single payment funeral plans for £1,800 for our Essential Cremation Plan and for £2,400 for our Simple Celebration Plan.

Over 24 months

We realise that not everyone will have the necessary funds available to pay in a single payment, that’s why you can spread the cost of your funeral. 

At Simplicity, you can spread the cost over 24 monthly payments by credit or debit card: £1,900 in total for our Essential Cremation Plan, or £2,500 for our Simple Celebration Plan (both include a £100 instalment fee). There's no deposit to pay.

How can I purchase a prepaid funeral plan?

It’s really simple to purchase a Simplicity Cremations prepaid funeral plan.

As long as you're aged 18 or over, you don't need to take a medical exam, and there's no upper age limit. We'll ask a few simple questions to help you decide which plan is suitable for you, for example our plans may not be suitable for someone with a terminal illness who is expected to live for less than 12 months.

There are two ways to buy:

• Buy a funeral plan online, any time of day or night
• Call our team, who'll talk you through your options and set up your plan over the phone

You can also request a free brochure if you'd like to find out more first.

When the plan is needed, your nominated representative (if added to the plan) will simply have to call us to put the plan into motion.

They’ll be guided through the arrangement process by our expert team of funeral arrangers.

Can I pay for my funeral in advance without a funeral plan?

Yes, you can pay for your own funeral in advance, or at least leave provisions to do so, without taking out a funeral plan.

Savings accounts

Paying for your funeral in advance could be as simple as leaving money in a bank account and letting your family and solicitor know that the money is set aside for your funeral.

With a funeral plan, you can guarantee there will be no more for your family to pay for the funeral services covered in your plan when the time comes.

Paying from your estate

Funeral costs can be paid from your estate after your death.

Banks and building societies will normally release funds if they are presented with an itemised bill from a funeral director and a copy of the death certificate.

Similar to savings accounts, your estate may not cover the full cost of a funeral.

If there isn’t enough money in your estate to cover the costs, the organiser of the funeral will need to make up the difference.

Funeral insurance

When choosing funeral insurance, you agree to pay a monthly premium that goes towards a lump sum that is paid out upon your death.

The payout can be used for pretty much anything, such as settling bills or even debts, but is primarily designed to pay for the funeral.

With funeral insurance, the payout is fixed. So if someone lives longer or buys a policy early, they may end up paying more in premiums than the policy ever pays out.

Your family will also have the responsibility of arranging your funeral, something they will not need to do with a funeral plan, as all of the arrangements will already be in place.

Talk to Simplicity about our low-cost funeral plans

Contact Simplicity today for more information about paying for your funeral in advance, with a cheap funeral plan.

Our helpful team are here to answer any questions you may have and guide you through the process of taking out a prepaid funeral plan.