Funeral plans for couples

Unlike life insurance, it’s not possible to take out a joint funeral plan which names two individuals on the same plan.

However, that doesn’t mean that couples can’t arrange their own funeral plans simultaneously.

From our experience, many couples - married or not - choose to arrange their individual funeral plans at the same time.

4 benefits of arranging funeral plans for couples

If you and your partner are thinking about arranging financial protection for your funerals in advance, there are a number of benefits to doing so:

#1 Reassuring peace of mind

By arranging funeral plans as a couple, you ensure the peace of mind that comes from knowing the funeral arrangements for both have been covered.

This also prevents your loved ones from facing the financial burden and stress of arranging a funeral at an already difficult time.

#2 Lock-in today’s rate, avoid future price rises

At the present time with the cost of living on the rise*, many crave greater economic certainty.

A key benefit of a funeral plan is that it lets you lock-in the cost at today’s prices, protecting you from future price rises.

Traditional attended cremation costs rose +5.5% between 2024 and 2025 to £4,200**, and if this trend continues, couples could save a substantial amount by locking in todays’ rate.

#3 Arrange the funeral you and your partner want

Even in a loving relationship, there’s no guarantee that a couple has discussed the type of funeral each other truly wants.

Arranging a funeral plan as a couple encourages you both to begin the sometimes uncomfortable conversation regarding the type of funeral you would like.

Some questions to ask each other may include:

• How much do we want to spend on our funerals?
• Where would you like your funeral to take place?
• What type of funeral would you prefer; cremation, burial, or direct cremation? 
• Do you want mourners present - if so, who?
• Do you want to have a celebration of life instead of a traditional service?
• Do we want to pay upfront for our funeral plans or spread the cost monthly?
• Who should be the nominated representative responsible for activating the plan?
• Where should our funeral plan documents be kept so they’re easy to find?

Can you buy a funeral plan for your partner?

Yes, and from our experience at Simplicity, lots of people do.

Some people buy a funeral plan for their partner as a thoughtful way to lift the financial burden from them and/or their loved ones.

Others choose to purchase plans for both themselves and their partner at the same time, ensuring they’re comprehensively protected as a couple.

Please note, the person you’re buying a funeral plan for must be aged over 18. We’ll ask for their name, date of birth, address and contact details.

Lastly, it can be useful to tell them about the funeral plan you have arranged on their behalf , although you don’t have to.

Should I use the same funeral provider for both plans?

While it’s a personal decision whether to use the same provider for both funeral plans, there may be some advantages in doing so.

Taking out funeral plans as a couple with the same provider could simplify the application and paperwork, saving you time. You could also benefit from having a single point of contact, consistent standards of care, and seamless coordination.

In summary, with the same provider handling everything, the process is often clearer, quicker, and far easier to manage for both parties.

However, we would recommend that you compare prices from multiple providers to ensure you’re getting the right plan to meet your needs, for the best available price.

Can you get a joint funeral plan?

No, as mentioned above, whilst you can purchase two plans (for example, one for you and one for your spouse), unfortunately you can’t purchase a single funeral plan which names two people.

Low-cost prepaid funeral plans for couples

At a time when many costs appear to be on the rise, it can be reassuring to secure a fixed price for your funeral at today’s rate.

Simplicity Cremations offer a simple, no fuss direct cremation funeral plan from just £1,799.

Our low-cost funeral plans provide the following key services:

• Bringing the deceased into our care (anywhere in mainland Great Britain)
• Urgent collection and cost to remove a medical device (if required)
• Specialist support from funeral advisors
• Transfer to a crematorium of our choice
• A suitable coffin and simple urn
• A respectful direct cremation and all the crematorium fees
• Scattering of the ashes or hand delivery (anywhere in mainland Great Britain)

After an affordable, dignified funeral, families often choose to pay for a separate memorial service to celebrate their loved one’s life, rather than paying for a costly traditional service with all its associated expenses.

To arrange a funeral plan for you and your partner, or to plan ahead for your own no frills funeral, contact Simplicity Cremations today.

Our expert team are available 24 hours a day, 7 days a week 0808 258 8179.

Sources:

*https://www.bbc.co.uk/news/articles/clyeke8z871o

**https://www.sunlife.co.uk/over-50-life-insurance/funeral-costs/