Pre-Paid Funeral Plan

  • It makes financial sense - you could save money by protecting against any potential rise in funeral costs for services included in the plan

Post Office Money® Pre-Paid Funeral Plan is provided by Dignity Pre Arrangement Limited

Overview

Pre-paying funeral costs now means one less thing for your loved ones to worry about when the time comes

  • It protects your family – you could help save them money and additional worries
  • It's a fixed price plan – you pay the price as quoted on the application form, unless additional services are requested

Taking out a Post Office Money Pre-Paid Funeral Plan allows you to freeze the cost of the funeral services in the plan at today's prices providing protection against potentially rising funeral costs.

Other benefits

It’s practical – all the arrangements in the plan are taken care of

It’s flexible – you can pay with a lump sum or monthly instalments

It’s straightforward – you can apply if you are aged 50 or over. Plus there are no medical questions

The average cost of a funeral has risen by 24% between 2012-2017. If this trend continues, average funeral costs could reach £4,944 by 2022*. Every funeral has to be paid for at some point - but when you pay makes all the difference to how much you pay. With a Post Office Money Pre-Paid Funeral Plan, you can take care of the cost right now, potentially saving your family a great deal of money in the future.

Pre-paying for your funeral is a simple and quick way to put your affairs in order. Planning ahead also means that you're helping to protect your loved ones from the stress, expense of arranging the funeral and the worry of getting it right. If you didn't put plans in place, your family may be left wondering exactly what you would have wanted. By taking out a Post Office Money Pre-Paid Funeral Plan you will be able to choose the funeral you'd like by ensuring your wishes are recorded for loved ones.

Things to consider

We offer three funeral plans to choose from, each one covers the funeral directors costs, crematorium fee and minister's fee as outlined in the plan. 

If a burial is required, the funeral director costs in the plan are guaranteed but Minister's or Officiant's fee are not covered by the guarantee. This is because burial costs vary widely across the country, so cannot be guaranteed in the same way as a cremation. Instead a contribution of £1,220 (rising with inflation) will be made towards burial fees and any other costs not controlled by the Funeral Director. Please refer to the Key Features Summary and Terms & Conditions for further information.

If you change your mind and wish to cancel your plan, you have a 90 day cooling off period. If you cancel your plan within 90 days then a full refund will be made. For cancellations after 90 days a cancellation fee of £195 will be deducted from the monies refunded.

Please refer to the FAQs or request a brochure to ensure the product meets your needs.

How it works

The Post Office Money Pre-Paid Funeral Plan is really straightforward to take out. You don't need to have a medical or answer any health questions. In fact, if you're aged 50 or over you are guaranteed to be accepted. There are no upper age limits, so you can be sure you will be able to take out the plan.

The steps below show you how it works. When the time comes, your family will only have to make one phone call. We will then arrange to put your plan in motion.

Step-by-step guide

  1. Choose a funeral plan to suit you. There are a choice of three plans to suit different budgets and requirements, all of which guarantee to cover the funeral directors costs, crematorium fee and minister's fee as outlined in the plan. For burial funerals, the funeral director costs in the plan are guaranteed plus a contribution of £1,220 towards costs such as burial plot.
  2. Fix funeral costs at today's prices. You may pay in advance at today's prices, and no matter how far in the future the plan is needed there won't be any further costs for the services included in the plan.
  3. Payments you make go directly into the National Funeral Trust fund where the money required for the funeral is held securely and looked after until it is required. This is independent of Post Office Money and Dignity.
  4. Your plan is confirmed. You will receive a Welcome Pack to keep all the details in a safe place and share them with your family.
  5. Set out your personal wishes. Dignity keeps details of all your special wishes, for instance, how you would like your funeral to run or specific hymns you have in mind. You can specify, add or change your specific requirements at any point. Some special requests that are not included in the plan may incur an additional cost, such as flowers or memorials. This list is not exhaustive, please see the plan Key Features Summary & Terms & Conditions for further information.
  6. Caring support whenever it's needed. Your family will have access to a professional, caring funeral director who will guide and support your loved ones through all the arrangements.
  7. No more to pay. Once paid, your family won't have to pay any more for the guaranteed services as set out in the plan.
Plan details

Choosing the right funeral for you

Every funeral has to be paid for at some point – but when you pay makes all the difference to how much you pay. Of course, freezing the costs of your funeral isn’t the only reason to take out a Post Office Money Pre-Paid Funeral Plan. It’s also a chance to help put your affairs in order and protect your loved ones from the stress and expense in the future by taking care of it right now. We offer a choice of three different funeral plans. Each one covers the funeral director's costs, crematorium fee, and minister's fees for arranging and conducting the funeral. For burial funerals, the funeral director services in the plan are guaranteed plus a contribution of £1,220 towards costs such as burial plot.

Choice of three plans Plan cost upfront 12 monthly payments 24 monthly payments

There is an extra charge for 24 monthly payments
Essential £3,495.00 £291.25 per month

£154.01 per month

(Total price £3,696.46 including an instalment charge. This is defined in the T&Cs.)

Standard £3,875.00 £322.91 per month

£170.76 per month

(Total price £4,098.36 including an instalment charge. This is defined in the T&Cs.)

Premium £4,135.00 £344.58 per month

£182.22 per month

(Total price £4,373.35 including an instalment charge. This is defined in the T&Cs.)

 

Guarantees Essential Standard Premium
Covers the funeral director costs included in your chosen plan for a cremation or burial funeral Yes Yes Yes

For a cremation funeral the plan also covers;

- The crematorium fee at a local crematorium

- The Minister of Religion or an Officiant's fee equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fees

Yes Yes Yes

For a burial funeral the plan also covers;

- A generous contribution of £1,220 towards burial costs, plot and Minister's fees. This contribution increases each year in line with the Retail Price Index (RPI) for the Plan's duration

Yes Yes Yes

 

Making the arrangements Essential Standard Premium
Support from a nationwide network of owned or approved Funeral Directors Over 1,200 funeral directors Over 1,200 funeral directors Over 1,200 funeral directors

Personal and regular contact with the family to provide advice and guidance on all aspects of arranging the funeral

Yes Yes Yes

Guidance on the registration of the death and collection of all necessary paperwork for the funeral to proceed

Yes Yes Yes

 

Care of the deceased Essential Standard Premium
Collection and transportation of the deceased to the Funeral Director’s premises, at any time, 24 hours a day (within a 50-mile radius, excluding ferry or air fares) Yes Yes Yes

Care and preparation of the deceased (embalming not included)

Yes Yes Yes

The Coffin

Wood effect Quality wood effect High quality wood veneer
Viewing of the deceased in a private chapel of rest by agreed appointment Within normal office hours During weekdays At any time

 

The service Essential Standard Premium
Funeral Director, driver and pallbearers to attend the service Yes Yes Yes

Hearse

Yes Yes Yes

Limousine for family/mourners

None One Two
Funeral procession (Fees and costs of a service at a separate location not included) Directly to the crematorium or burial site To a service location, then onto the crematorium or burial site To a service location, then onto the crematorium or burial site
Mutual agreement on the time and day of the funeral during normal office hours Yes Yes Yes

 

Flexibility Essential Standard Premium
If you move home your plan moves with you to a new Nominated Funeral Director, at no extra cost Yes Yes Yes

Personalise the plan at any time by documenting “Special Requests” such as hymns and readings**

Yes Yes Yes

Ability to make additional contributions towards Special Requests during the lifetime of the plan. Any contributions will increase each year in line with Retail Price Index (RPI)

None One Two

** Some requests may incur an additional charge and may not be covered by the price guarantee. Any costs incurred from these requests will have to be paid for at the time of the funeral or alternatively a contribution can be made towards these costs which will increase each year in line with the Retail Price Index (RPI).

Additional services Essential Standard Premium
24 hour telephone bereavement advice and counselling service Yes Yes Yes

Complimentary thank you cards

Yes Yes Yes

 

What is not included?
 

Medical certification fees  
For deaths where a coroner investigation is required, there are no medical certification fees. Also, changes to legislation in May 2015 mean there will no longer be a charge for a medical certification for any deaths registered in Scotland. Similar legal changes are being considered for the rest of the UK, so we do not include provision for these fees in our Plans. If the funeral takes place outside of Scotland, and a coroner is not involved, then if applicable, the medical certification fees must be paid by the next of kin or personal representative, when arranging the funeral.
     
- Embalming, burial plot, memorial or headstone, flowers, catering/wake.
- Repatriation from outside mainland Great Britain, Northern Ireland, Jersey, Isle of Man and Isle of Wight.
- Costs for removing artificial limbs and mechanisms such as pacemakers.
- Costs associated with changes in regulations, tax, laws or generally accepted practice, which result in additional costs or affect the conduct of the funeral.
- Any additional charge for conducting the burial, cremation or funeral service on a weekend or public holiday or at an unusual hour 
- Doctor’s or coroner’s fee
 
This list is not exhaustive, so please refer to the Terms & Conditions for further information.

Choosing the right funeral for you

Every funeral has to be paid for at some point – but when you pay makes all the difference to how much you pay. Of course, freezing the costs of your funeral isn’t the only reason to take out a Post Office Money Pre-Paid Funeral Plan. It’s also a chance to help put your affairs in order and protect your loved ones from the stress and expense in the future by taking care of it right now. We offer a choice of three different funeral plans. Each one covers the funeral director's costs, crematorium fee and minister's fee for arranging and conducting the funeral. For burial funerals, the funeral director services in the plan are guaranteed plus a contribution of £1,220 towards costs such as burial plot.

Choice of three plans Plan cost upfront 12 monthly payments
Essential £3,495.00 £291.25 per month
Standard £3,875.00 £322.91 per month
Premium £4,135.00 £344.58 per month

 

Choice of three plans Plan cost upfront 24 monthly payments

There is an extra charge for 24 monthly payments
Essential £3,495.00

£154.01 per month

(Total price £3,696.46.28 including an instalment charge.
This is defined in the T&Cs)

Standard £3,875.00

£170.76 per month

(Total price £4,098.36 including an instalment charge.
This is defined in the T&Cs)

Premium £4,135.00

£182.22 per month

(Total price £4,373.35 including an instalment charge.
This is defined in the T&Cs)

 

Guarantees Essential Standard
Covers the funeral director costs included in your chosen plan for a cremation or a burial funeral Yes

Yes

For a cremation funeral the plan also covers;
- The crematorium fee at a local crematorium
- The Minister of Religion or an Officiant’s fee equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fees
Yes

Yes

For a burial funeral the plan also provides;
- A generous contribution of £1,220 towards burial costs, plot and Minister’s fees. This contribution increases each year in line with the Retail Price Index (RPI) for the Plan’s duration.
Yes

Yes

 

Guarantees Premium
Covers the funeral director costs included in your chosen plan for a cremation or a burial funeral Yes
For a cremation funeral the plan also covers;
- The crematorium fee at a local crematorium
- The Minister of Religion or an Officiant’s fee equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fee
Yes
For a burial funeral the plan also provides;
- A generous contribution of £1,220 towards burial costs, plot and Minister’s fees. This contribution increases each year in line with the Retail Price Index (RPI) for the Plan’s duration.
Yes

 

Making the arrangements Essential Standard
Support from a nationwide network of owned or approved Funeral Directors Over 1,200 funeral directors Over 1,200 funeral directors
Personal and regular contact with the family to provide advice and guidance on all aspects of arranging the funeral Yes

Yes

Guidance on the registration of the death and collection of all necessary paperwork for the funeral to proceed Yes

Yes

 

Making the arrangements Premium
Support from a nationwide network of owned or approved Funeral Directors Over 1,200 funeral directors
Personal and regular contact with the family to provide advice and guidance on all aspects of arranging the funeral Yes
Guidance on the registration of the death and collection of all necessary paperwork for the funeral to proceed Yes

 

Care of the deceased Essential Standard
Collection and transportation of the deceased to the Funeral Director’s premises, at any time, 24 hours a day (within a 50-mile radius, excluding ferry or air fares) Yes Yes
Care and preparation of the deceased (embalming not included) Yes

Yes

The Coffin Wood effect

Quality wood effect

Viewing of the deceased in a private chapel of rest by agreed appointment Within normal office hours During weekdays

 

Care of the deceased Premium
Collection and transportation of the deceased to the Funeral Director’s premises, at any time, 24 hours a day (within a 50-mile radius, excluding ferry or air fares) Yes
Care and preparation of the deceased (embalming not included) Yes
The Coffin High quality wood veneer
Viewing of the deceased in a private chapel of rest by agreed appointment At any time

 

The service Essential Standard
Funeral Director, driver and pallbearers to attend the service Yes Yes
Hearse Yes

Yes

Limousine for family/mourners None

One

Funeral procession
(Fees and costs of a service at a separate location not included)
Directly to the crematorium or burial site To a service location, then onto the crematorium or burial site
Mutual agreement on the time and day of the funeral during normal office hours Yes Yes

 

The service Premium
Funeral Director, driver and pallbearers to attend the service Yes
Hearse Yes
Limousine for family/mourners Two
Funeral procession
(Fees and costs of a service at a separate location not included)
To a service location, then onto the crematorium or burial site
Mutual agreement on the time and day of the funeral during normal office hours Yes

 

Flexibility Essential Standard
If you move home your plan moves with you to a new Nominated Funeral Director, at no extra cost Yes Yes
Personalise the plan at any time by documenting “Special Requests” such as hymns and readings* Yes

Yes

Ability to make additional contributions towards Special Requests during the lifetime of the plan. Any contributions will increase each year in line with Retail Price Index (RPI) Yes

Yes

*Some requests may incur an additional charge and may not be covered by the price guarantee. Any costs incurred from these requests will have to be paid for at the time of the funeral or alternately a contribution can be made towards these costs which will increase each year in line with the Retail Price Index (RPI)

Flexibility Premium
If you move home your plan moves with you to a new Nominated Funeral Director, at no extra cost Yes
Personalise the plan at any time by documenting “Special Requests” such as hymns and readings* Yes
Ability to make additional contributions towards Special Requests during the lifetime of the plan. Any contributions will increase each year in line with Retail Price Index (RPI) Yes

*Some requests may incur an additional charge and may not be covered by the price guarantee. Any costs incurred from these requests will have to be paid for at the time of the funeral or alternately a contribution can be made towards these costs which will increase each year in line with the Retail Price Index (RPI)

Additional Services Essential Standard
24 hour telephone bereavement advice and counselling service Yes Yes
Complimentary thank you cards No

Yes

 

Additional Services Premium
24 hour telephone bereavement advice and counselling service Yes
Complimentary thank you cards Yes

 

What is not included?

    
Medical certification fees  

For deaths where a coroner investigation is required, there are no medical certification fees. Also, changes to legislation in May 2015 mean there will no longer be a charge for a medical certification for any deaths registered in Scotland. Similar legal changes are being considered for the rest of the UK, so we do not include provision for these fees in our Plans. If the funeral takes place outside of Scotland, and a coroner is not involved, then if applicable, the medical certification fees must be paid by the next of kin or personal representative, when arranging the funeral.
     
- Embalming, burial plot, memorial or headstone, flowers, catering/wake.
- Repatriation from outside mainland Great Britain, Northern Ireland, Jersey, Isle of Man and Isle of Wight.
- Costs for removing artificial limbs and mechanisms such as pacemakers.
- Costs associated with changes in regulations, tax, laws or generally accepted practice, which result in additional costs or affect the conduct of the funeral.
- Any additional charge for conducting the burial, cremation or funeral service on a weekend or public holiday or at an unusual hour 
- Doctor’s or coroner’s fee
 
This list is not exhaustive, so please refer to the Terms & Conditions for further information.

Definitions

£4,944 by 2022: The average cost of a funeral has risen from £3,284 in 2012 to £4,078 in 2017. If costs continue to increase at this rate, funeral costs would increase to £4,944 by 2022. Source: SunLife Cost of Dying Report, 2017 [page 6]. 

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Look after your loved ones

Small print

Post Office Money® Pre-Paid Funeral Plan is provided by Dignity Pre Arrangement Limited. A company registered in England No. 1862158, VAT Reg. No. 486 6081 14. Registered office: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP. Part of Dignity plc. A British company. Dignity Pre Arrangement Limited is regulated by the Funeral Planning Authority, an independent organisation whose Code of Practice they follow. Post Office Limited registered in England and Wales. Registered Number 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trade marks of Post Office Limited.

Choose a funeral plan to suit you

Get the facts

Can we help?

To apply over the phone or for general enquiries call:

0800 033 4302 Lines are open 24 hours a day, 365 days a year

Existing Funeral Planholder:

0800 033 4301 Lines are open 24 hours a day, 365 days a year