What is the cheapest funeral plan I can have?
Funeral plan prices depend on the type of plan you choose, as well as your chosen funeral provider. The cheapest prepaid funeral plan might not meet all of your requirements, so it's important to research the different plans on offer and find one to suit you.
Our low cost funeral plans start from £1,495, and cover all of the necessary elements of a simple funeral including 24 hour collection, care in our quality mortuary facilities, cremation fees, a simple coffin, transport in our specialised funeral vehicles and return of ashes.
What to consider when looking for the cheapest funeral plan
There are a number of different funeral plans available on the market so it’s easy to feel overwhelmed by choice. The cheapest funeral plan may appeal to you now, but could end up costing your family more in the long run.
Make sure you understand the specific details of any plan before you purchase, checking it covers everything you need. In some cases, the plan may only cover a contribution towards services. For example, not all providers will cover the cremation fee in full. A Simplicity Cremations Prepaid Funeral Plan also includes 24/7 collection from the place of rest, while some providers will only offer collection Monday to Friday, between office hours, often 9am-5pm.
To ensure your money is safe, you should look for a provider that is registered with a professional organisation like the FPA (Funeral Planning Authority). The FPA's role is to oversee the conduct of its registered providers and in doing so can ensure funeral plan customers and the money they have paid is protected. The money you pay for a Simplicity plan goes directly into the National Trust Fund, independently managed by some of the UK's most respected investment companies. The funds required for the funeral will be held securely to make sure the services in your plan are covered when the time comes. Read more about the funeral trust fund.
Why choose a cremation plan over funeral insurance
Many people consider funeral insurance as a means of paying for their funeral in advance, sometimes referred to as Over 50s Life insurance. An Over 50s policy will provide a cash lump sum when you die, that can be used to help with funeral costs. In comparison, a funeral plan can offer a better level of cover, as the cash lump sum paid out by an insurance policy is fixed so inflation will reduce the value over time. In some cases, people may well have paid more in premiums than the fixed lump sum that is paid out. There’s no guarantee that the insurer will pay out the full funeral cost when the time comes, which is why we think it's important to understand the benefits of paying for their funeral in advance.
Choose a funeral plan that suits your budget and final wishes
As with most providers, we offer different types of plans with various levels of service and costs.
Firstly, choose if you’d like anyone to attend your funeral. If not, our Lily Plan provides a direct cremation without a service or ceremony beforehand. If you do want attendance at your funeral, our Magnolia and Orchid plan allows you to choose whether you’d like just a small funeral for a few family and friends or a full service funeral led by your family for a larger gathering.
Our cheapest funeral plan, costs just £1,495 if paid for within 12 months, and covers all of the practicalities for a simple funeral including the cost of cremation, provision of a simple wood effect coffin, 24/7 collection from the place of rest, care at one of our mortuaries and the return of ashes in a simple container.
A prepaid funeral plan can save on funeral costs in the long run
A prepaid funeral plan gives you the opportunity to plan and pay for your funeral in advance, whilst freezing costs at today’s prices, avoiding future inflation or potential price rises.
A plan also allows you to protect those left behind, helping to avoid placing the full financial burden on your family in the event of your death.
When the time comes, all it will take is one phone call to put the plans into motion.
There are a number of ways you can pay for a Simplicity Funeral Plan
A funeral plan allows you to spread the cost, an option not widely available when paying for a funeral at the time someone has passed away. We have a range of flexible payment options, so you can choose to pay in the way that suits you.
Choose to pay in a single lump sum, instalments over 12 months at no extra cost or over a duration of up to 10 years (all payments over any instalment longer than 12 months must be completed by the 80th birthday of the planholder).
Whichever way you choose, you can be safe in the knowledge that your family won’t have any more to pay for the services set out in your plan.
It’s easy to apply for our guaranteed funeral plans
As long as you're aged 50 years or over, you’re guaranteed to be accepted for a Simplicity Cremations Funeral Plan.
You can apply online in a few simple steps or call our expert team to discuss our cheapest funeral plans on 0800 484 0531.