Pre-paid Funeral Plans

Why you should consider taking
out a Pre-Paid Funeral Plan

Google Rating
Based on 162 reviews

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Not an easy decision to make, simply because it is not always easy to think about planning your own funeral. A lot of people avoid facing this issue altogether, but there are many reasons why a pre-paid funeral plan could be right for you.

Here are some basic facts which may help you to make up your mind:

  • Stating your Funeral wishes in your Will is NOT binding upon your Executors.
  • Often, people just do not know what their deceased relative or friend wanted.
  • A Funeral Plan GUARANTEES that your wishes will be carried out and that the Funeral Director’s services will be paid for at no extra cost to your family.
  • At a time of sadness, you will have relieved your family of financial and emotional burdens.
  • Those you leave behind will remember your thoughtfulness.
  • Savings in a Bank or Building Society or Insurance is just a sum of money. Your executors are NOT obliged to spend it on your funeral and there may not be enough.
  • Your money is safe. It is held with the Funeral Planning Trust with HSBC Trust Company (UK) Limited as custodian Trustee.
  • The price of a Funeral Plan is in line with the cost of a funeral purchased today.
  • You can choose a Funeral to suit your requirements across a range of prices.

You will receive a certificate which confirms the funeral you have chosen. It also specifies, if you wish, personal details such as religious requirements, gifts to charities in lieu of flowers, music, etc.

Funeral costs, will almost certainly continue to rise as they have done historically, doubling in cost every 10 years or so! A Pre-Paid Funeral Plan is paid for at today’s rates, safeguarding against future raises in costs

Some of our Google Reviews

I have used Frog Financial for several mortgages and cannot recommend them enough. Extremely helpful, professional and efficient and always going above and beyond to make the process as smooth as possible and finding the best options for me. Everyone in the team is brilliant to work with and I will of course be using them for all future mortgages! Sam x
I dealt with Greg to get a mortgage on my first property - he was fantastic, helped educate me on the process as well as coming up with outside of the box solutions, really happy with the service and will 100% use him again in the future.
Tom Evans
Tom Evans
An exceptional service given. Everyone we have spoken with has gone above and beyond to help us and answer all questions we have. Can not recommend Frog financial management enough and will be using them again in the future.Helena & Jason
Jason Benn
Jason Benn
Greg and the team at Frog Financial have been excellent with finding me a mortgage a couple of years ago and managing the renewal recently. They have been able to find the best deals in the market and provide good options and advice based on our conversations. They are friendly, attentive and responsive and I highly recommend them.
Carl Goodman
Carl Goodman
Amazing team could not have done it without them.
Grace Kearns
Grace Kearns
Excellent service from Charley on a non-standard building and contents insurance. She was prompt, and knowledgeable, and helped clarify various issues
Phenomenal service. I have and will recommend Frog Financial to everyone. Informative, helpful, great communication, so kind, and we really felt like the whole team cared about us. Took so much of the stress out of the process. We have no doubt that we will use Frog again! 🐸
Elena Prokopiou
Elena Prokopiou
Arranged our mortgage deal and building insurance with Frog. They were really helpful throughout the whole process and we would have no hesitation at all recommending to others.
William Oakes
William Oakes
Just the best, Greg helped me find a mortgage for my first property when other mortgage brokers couldn't find one to fit my needs. They were great answering any questions I had and helped me a lot throughout the house buying process. Also helped find and set up house insurance. Will be continuing to use them in the future and I highly recommend them.
K.K. Gres
K.K. Gres
I was directed to Frog Financial in September 2018 and received excellent financial advice and general guidance. Since then I have requested them to investigate house insurance for me and have always signed up to the suggested policies.I would have no hesitation in suggesting they are approached by my friends to discuss their requirements.
Dave Shirvell
Dave Shirvell
Charley was fantastic to work with. She was super efficient, working swiftly to find the best deal and to make it happen. I would be thrilled to recommend her and Frog Financial.
Jackie Samuel
Jackie Samuel
The team at Frog did a stellar job of our remortgage, they took the stress out of the process with prompt, friendly and most importantly informative communication which made the whole process a breeze. We would not hesitate Frog to anyone. Thank you!
Lawrence Mills
Lawrence Mills
I have been using Craig and Greg for 3 years and I have been very impressed with the service from Frog. The mortgage solutions that I required were fairly unusual and Greg was able to provide a bespoke service to suit my needs.
mark jordan
mark jordan
Amazing financial service from Greg and his team.Really friendly, approachable and efficient. No waiting around for anythingGreat knowledge on helping me, they were also very patient and made the experience stress free. I will be recommending them to anyone needing help with mortgage /financial mattersFeel more secure now with help and advice given. Will be back again in 2 years
Amazing service...always a very professional and quick service. Would definitely recommend:)
Clare Over
Clare Over
I had a great experience with Frog Financial Management. Right from the start Greg was super reassuring and knowledgeable. As first time buyers we had a lot of questions and the whole team were always on hand to answer them. Greg, Danni and Charley were beyond helpful, always responsive and got everything that we needed sorted out, which added some peace of mind to what can be a scary process!
Alice B
Alice B
Frog Financial have been sourcing property finance for me for several years. Always on hand to offer advice in the ever changing and complex world of mortgages! Charley can also source competitive property insurance.
Craig,Ruth and the team have been fantastic.After a bad experience with another advisor, I contacted Frog.From the start Craig explained exactly how he would apply for the mortgage.My application was not straightforward as I had been Ltd for only one year.Craig, Ruth and the Frog team were extremely persistent at getting me the mortgage and always kept me updated and informed ,even calling out of hours for some reassurance.They are very professional and genuinely nice people, and great at what they do.I cannot recommend them highly enough.
D Farrow
D Farrow
Excellent service, very proactive and quick to source our insurance policy renewal options from the market. Would highly recommend them. Charley has been providing great service to us.
Girish BP
Girish BP
I’ve used Frog Financial services for nearly 3 years in a row for my home contents insurance. Charley is beyond professional and helpful and is always willing to to go above and beyond with any questions I may have. I would high recommend their services!
I have just used frog financial management for equity release. They were helpful and informative. They helped me every step keeping me well informed. Thankyou to all the team, I would definitely recommend them.
Mandy Kent
Mandy Kent
I wouldn't go anywhere else for mortgage help than Frog Financial. They are so helpful throughout the whole process and no question is too big or too small for them. I'd recommend them to anyone.
Megan Booth
Megan Booth
Couldn’t recommend higher. Fantastic team from beginning to end. Managed to secure me a great mortgage even in these tricky times.
Grace Kearns
Grace Kearns
Usually, I am always reluctant in giving out services base on google search as I believe in referrals for certain important & delicate things like getting a mortgage application done perfectly well. However, I will say my opinion has now changed based on the professionalism and way my application was handled at Frog! I am grateful to Craig, Val, and the whole team at Frog- You all have made me realise that a client does not need to be seen face to face before a great client base work can be carried out! Well done for the fantastic job done in getting my mortgage application through, hitch free. I am happy I made the decision to bet on you when my initial broker disappointed me :). I will recommend Frog to friends, family and anyone reading this.
Frog are completely on the ball. They source competitive rates and email us when our insurances need renewing - ensuring year on year that we get the best deal. They have sourced our mortgage for over 6 years and given us financial advice regarding our Wills and life assurance. We wouldn’t be without them. Thank you to Craig, Charlie and the team. You have made a huge difference to reducing our stress with financial worry.
Clare Denny
Clare Denny

There are plan options to suit all budgets

You don’t need us to tell you that everything seems to go up in price every year. Unfortunately, it’s just the same with funeral costs.

If, in 2004, you had put £1920 (then the average cost of a funeral*) into a deposit savings account, then you would have seen this grow to about £2,150** over the following 10 years. However, over the same period, the average cost of a funeral has increased dramatically to £3,590*. However, as the Plan pre-pays for the Funeral Director’s services at today’s costs, you are unaffected by any future price rises on these fees.  Furthermore, you have complete flexibility to choose your own Funeral Director, at the time of arranging your pre-paid funeral plan.

A real alternative to saving for your funeral

A plan like this can offer a better financial option than putting money in a savings account to pay for future funeral costs. Since 2004, funeral costs have soared, however interest paid on savings accounts has remained very low. The amount of money, which would have paid for a funeral back then, plus the small amount of interest earned over the years, would not cover the cost of an average funeral today.

Your Guarantee from our Preferred Provider

When you invest in one of our preferred provider’s pre-paid plans, they guarantee that the Funeral Director’s fees will be met in full, when the time comes.

All Funeral Plan funds are held in a Trust established by our preferred provider. The Trust manages the funds to achieve stable long-term growth and is overseen independently by a board of trustees and regulated in compliance with The Financial Services and Markets Act 2001. The fund is annually independently audited and subject to strict actuarial reporting, it is solid, stable and above all, secure.

Your pre-paid funeral plan covers 100% of the costs of the Funeral Director’s services specified in your plan. In some cases, however your family, your estate or executor may be asked for an additional contribution towards ‘disbursements’ (usually payments to third parties such as cemetery or crematorium fees, medical fees or musicians, for example) if their prices have risen beyond the increase in the Retail Price Index.

You know you’re in safer hands

Since pre-paid funeral planning was introduced to the UK in 1984, our preferred provider has been at the forefront of providing these services. They were founding members of The National Association for Pre-paid Funeral Plans and The Funeral Planning Authority.

Our preferred provider is a registered provider with The Funeral Planning Authority which monitors the marketing, financial and service provisions of the plan providers that it regulates.

We want you to be assured that with our preferred provider, your arrangements are in the safest possible hands. That’s why all Funeral Directors that are appointed to provide services for our preferred partner’s Funeral Plan, have first to satisfy several stringent requirements. They must demonstrate outstanding service records in their local community and must be affiliated to relevant accredited professional associations such as The National Association of Funeral Directors (NAFD) and/or The Society of Allied and Independent Funeral Directors (SAIF).

Why not just take out life insurance?

Customers are often tempted to choose an insurance policy rather than a Funeral Plan. There are a number of compelling reasons why a Funeral Plan is a more sensible option, however:

  • With an insurance policy, you keep paying until you die; which means that you might pay considerably more in premiums than the funeral actually costs! With a pre-paidFuneral Plan, you pay a fixed cost.
  • With an insurance policy, you generally need a health check. There are no medicals or health questionnaires with a pre-paid Funeral Plan.
  • Generally, you can only get insurance up to a certain age, and you’ll pay a very highpremium, too, if you begin the policy at a late age. There are no age restrictions witha pre-paid funeral plan and the price is fixed whatever your age.
  • There is no guarantee that an insurance policy will actually cover the cost of your funeral when you pass away. With one of our preferred providers Plans, your funeral is guaranteed to be fully paid for, regardless of any changes in the price over time.
  • With an insurance policy, there is no guarantee that the funds will actually be used to pay for your funeral when the time comes.
  • There are no refunds if you cancel your insurance policy.
  • An insurance policy does nothing to protect your friends and family from the immense stress of having to organise a funeral.

Do I need to have a medical?

No. With a pre-paid funeral Plan there are no medicals or personal questions to answer. Anyone can take out a plan at any age and acceptance is guaranteed. You can even take a plan out for another member of your family; your spouse for example.

Will there be any additional costs at the time of the funeral?

Our preferred provider guarantees 100% of the costs of the arrangements specified in your Funeral Plan. There are no additional hidden extras or additional administration charges for your family to deal with when the time comes.

Do I need a new Will?

It is always advisable to note your pre-paid funeral plan in your Will. Furthermore, your Exactors need to be made aware of your of the planning you have put in place.

What happens if I die on holiday?

We recommend that you check your travel insurance covers repatriation. If it doesn’t, we can advise your dependants how to use the Plan’s funds to contribute towards the cost of a local funeral or the cost of repatriation.

Can I cancel the plan?

Yes. In contrast to an insurance policy, for example, you can cancel your pre-paid funeral Plan at any time and get a refund of a significant portion of your purchase price.

If you would like us to prepare a free no obligation quotation for your funeral arrangements