Should You Prepay For Your Funeral? | Prepaid funeral benefits

Have a question? Talk to our funeral planning team

Call us on 0330 660 0072?

Should you prepay for your funeral?

Why prepay for your funeral

Are prepaid funerals worth it?

Yes - there are many benefits to taking out a prepaid funeral plan. A prepaid funeral plan protects you against inflation and rising funeral costs, while it also protects your loved ones by reducing the stress and financial burden of arranging a funeral. Learn more about the benefits of choosing a prepaid funeral from our detailed guide.

Benefits of prepaid funeral plans

Financial guarantee:

According to the SunLife Cost of Dying Report, 2018, average funeral costs have gone up by 122.5% since 2004 and the projected average cost of a funeral will be £5,120.00 by 2023.

Here at Open Prepaid Funerals, our funeral plan prices are fixed at today’s costs - meaning you will be protected against future rises in funeral director costs. Also, by taking out an Open Prepaid Funeral Plan, you can rest assured that all your funeral director services will be paid for in full, regardless of any interim rise in the cost of your funeral director fees.

Rise in Funeral Costs


A funeral that might have cost £1,920.00 in 2004 could cost almost £4,271.00 in 2018, which is a huge increase over that period of time. By organising a funeral payment plan now, you can be certain that neither your estate nor relatives will be overburdened financially in the future.

Getting your affairs in order will give you a feeling of comfort in the knowledge that your loved ones will not suffer additional responsibility in the future. You will be able to alleviate a huge burden both emotionally and financially by taking action now. Not only can you ensure that the arrangements are exactly as you would want, but also that they will not have to be concerned about carrying out your wishes.


A Prepaid Funeral Plan also offers the added benefit of personalisation; you can be remembered the way you want to be. You can make your own decisions about your funeral and create a personal funeral that’s unique to you. It also reduces the concerns and stress of your loved ones who would otherwise be left to guess what you would have wanted for your funeral.

Funeral Planning

We all know that we should be planning for our future, especially when it comes to our funeral. Prearranging your funeral may feel like an odd thing to do but for those you leave behind it’s a caring and selfless act. A prepaid funeral plan relieves your loved ones of the burden of planning your funeral during what will be a stressful and upsetting time.

There are many questions that need to be asked when planning a funeral. By determining your choices now, you can design a funeral to your personal taste. And our plans are flexible so you can easily alter your plan if you change your mind.

Burial or cremation?

Do you know whether you want a burial or a cremation, and would your loved ones know your choice? If you choose a burial, you will need to make early decisions about your type of coffin - for example, would you like a traditional, contemporary, wood or wicker coffin?. You’ll also need to consider where you want to be buried, a natural woodland setting or a traditional cemetery? Do you already have a plot purchased? If not, should you consider this?


Depending on whether you want your funeral to be a celebration of your life or a more sombre affair, music is a key element. By preplanning your funeral you can choose the songs you want to be played that reflect your personal taste. Whether you choose live, pre-recorded or a range of hymns, your choice is certain to be personal and moving. And believe us, you don’t have to be traditional with your choice, we have some wonderful and very funny choices from our plan holders!

Flowers or donations?

Many people would prefer their funeral guests to donate to a chosen charity rather than send flowers. This is one of the things you can specify when planning the finer details of your funeral. You can also determine whether you would like a personal tribute, simple or seasonal flowers.


Whilst a hearse is the traditional method of transporting a coffin, you also have the ability to specify whether you would prefer a horse-drawn or driven vehicle. These decisions also take into consideration the method of transport for your loved ones. There are so many choices these days that you can literally have almost anything to suit your personality.


You may have a venue that is very special to you and those closest to you that you feel would be most appropriate for your wake. Your favourite food, drink and entertainment can also be specified in your funeral plan with your funeral director.

Why prepaying for your funeral is a good idea

An Open Prepaid funeral is the simplest, most caring and practical way to remove the financial worry and emotional burden that unexpected funeral arrangements can bring to your loved ones. It also allows you to relax in the knowledge your funeral wishes will be carried out exactly as you planned.

There are many other details that you may wish to consider for your funeral. That’s why Open Prepaid Funerals offer bespoke funeral planning alongside our standard plans.

Wondering what’s the best way to prepay for your funeral? For more information please contact Open Prepaid Funerals or view our Funeral Plans for more detail about what we offer.