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Our Funeral

A Prosperous Life prepaid funeral plan helps to take the stress and worry of planning and paying for a funeral away from your loved ones when the time comes.

Our fixed price funeral plans guarantee to cover the costs of the services detailed in your plan, so that you won’t be affected by a rise in funeral costs in the future.

Take out a funeral plan today

We want to ensure that you are getting the best deal available on your prepaid funeral plan, which is why we have introduced our price match guarantee.

If you find a like for like plan with any other UK provider, we guarantee to match the price at the time of taking out your plan with us.

All you need to do is

  1. Make one of our funeral plan managers aware that you have seen a cheaper price
  2. Provide them with evidence of what’s included and that it’s offering exactly the same as your chosen Prosperous Life plan – this could be information from a website or quote that you have been given
  3. Let our friendly team review and work their magic

That’s it! If we find that the same prepaid plan is cheaper elsewhere, we’ll match that price, no quibbles.

We have three different plans to choose from


Or pay in monthly instalments from £43.43 p/m*

  • A standard coffin
  • Funeral Director's Services
  • Use of the chapel of rest
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Or pay in monthly instalments from £50.78 p/m*

  • A high quality coffin
  • Funeral Director's Services
  • Use of the chapel of rest
  • 2 following limousines
  • Full list of floral tributes
Read more

*Monthly costs based on £100 deposit over a 10 year term

Our Silver, Gold and Platinum plans all include:

  • Funeral Director’s Professional Services and support for your family
  • Ability to fully personalise the service with hymns, songs, and readings
  • Attending to all necessary funeral arrangements
  • Coffin (different standards based on plan)
  • Hearse direct to crematorium or cemetery
  • Use of the chapel of rest with the option for loved ones to visit
  • Guidance on the registration of the death and collection of all necessary paperwork for the funeral to proceed
  • Preparation and care of the deceased prior to the funeral
  • Collection and transport of the deceased to Funeral Directors premises as required, 24 hours a day (within 25 miles)
  • Attendance of the conductor and bearers throughout the funeral
  • All funeral staff required to conduct the service
  • £1,000 towards Disbursements (Cremation, or Interment, Doctor and Minister costs)
  • Advice on any additional products not included as part of the funeral plan, such as flowers or stationery (these are to be paid by the client ahead of the funeral)

What does the plan not cover?

There are some things that are not included in the cost of a fixed price funeral plan. These include

  • Flowers or tributes
  • Embalming
  • Burial plot or headstone
  • Repatriation back to the UK if you die outside the UK.
  • Order of service

This list is not exhaustive, for full details please refer to our Terms & Conditions.

Your family will have the option to include any additional services or arrangements when the time comes.

What are third party costs or disbursements?

Third party costs or disbursements are additional charges for services that sit outside of what the Funeral Director themselves provide. These include things such as:

  • Cremation or burial fees
  • Doctors fees (if applicable)
  • Ministers or celebrants fees

Our Silver, Gold and Platinum plans all provide a contribution of £1000 towards third party costs.

If the cost of third-party fee’s exceeds the contribution amount at the time of need, then your loved ones will be required to pay any difference.


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A basic funeral would cost*


*Based on 2021 figures from the Sunlife cost of Dying Report and Prosperous Life Predictions based on historical data.

Avoiding the rising cost of funerals

In 2004, the average cost of a basic funeral sat at just under £2000. Fast forward to 2021 and this figure now stands at £4,344, with costs predicted to exceed £7,000 by 2035. Prepaid funeral plans are locked at today's prices, protecting you from inflating costs over time.

Why Prosperous Life?

Flexible Payments
Flexible Payments

We offer a number of flexible payment options to suit you and your budget.

Secure Funds
Secure Funds

All money is secured in The Great British Funeral Trust which is independently managed and safeguards your funds for future needs.

Highest standards of service & care
Highest standards of service & care

Our Funeral Directors are hand picked for their expertise and professionalism.

Rated excellent by our customers
Rated excellent by our customers

Trustpilot score of 4.7 – excellent

What do you get in a prepaid funeral plan?

Transparency is very important at Prosperous Life and we explain things clearly. Read one of our latest blogs to learn more about the various services that our three funeral plans cover.

Read more

The Prosperous Life Journey

Planning your funeral may seem a little daunting, but it’s our mission to ensure that buying a funeral plan with us is a simple and comfortable process.

The Prosperous Life six step approach helps to make everything clear, so you can see exactly what you need to do and when.

Getting in touch with us is the first step towards planning for later life, for yourself and your loved ones, and we are here to guide you every step of the way.

One of the UKs most affordable funeral planning companies

Speak to one of our specialist funeral plan managers

Want to know more about buying a funeral plan? Whether you’re looking to purchase a plan today or simply want to discuss your options, we’d love to hear from you.

Our friendly and experienced team of funeral plan managers can talk you through the process and help you decide what’s right for you, with absolutely no obligation to buy. Simply request a callback and we’ll get back to you.

Request a call back

Speak to one of our specialist funeral plan managers


Do I need a Funeral Plan?

Funeral plans are not a mandatory requirement for a funeral, but they possess plenty of benefits that make them the choice of over 1,000,000 people in the United Kingdom.Arranging a pre-paid Funeral Plan means you can make arrangements on your terms. Such a small portion of people who organise funerals for family members are familiar with their loved one’s final wishes. We see this as unnecessary stress at a time of sadness.With a Funeral Plan, you confirm a funeral director’s services at today’s costs. No matter the future price inflation, you are reassured in the knowledge that there will be nothing more to pay – other than the Funeral Plan itself.

What is a Funeral Plan?

Funeral Plans are a way through which you can prepay funeral costs in advance. Prosperous Life accept the funeral arrangement responsibility, and as such, your family are assured that every aspect will be organised in the manner you determined.

It allows family members the space to pour their mental energy into supporting each other at a difficult time.

Who are Prosperous Life?

Prosperous life is one of the UK’s leading prepaid funeral plan providers, offering a wide variety of prepaid plans with flexible payment options.
Our pledge and promise is that our customers are at the heart of everything we do and you can rest assured that your money is safe and secure, held in the Great British Funeral Trust.
A Prosperous Life funeral plan will give you peace of mind knowing you have minimised the financial and emotional impact that being unprepared can cause.

Do I have to pay for the plan in full, right away?

No. We endeavour to accept as many viable payment methods as possible in the interest of inclusion. Each plan is tailored to you, so it’s only right that you pay using your preferred method.

You can pay for the plan in full by making one single payment, you can pay a number of larger payments to pay the plan off quickly or you can pay monthly, the choice is entirely yours and our team will discuss all options with you.

How do you look after my money?

The money you put towards your plan is paid into a secure trust, which is managed by a board of independent trustees.

What will my plan cover?

All of our plans cover the essential features:

- Funeral Director’s Professional Services
- Attending to all necessary funeral arrangements
- Coffin (different standards based on plan)
- Hearse direct to crematorium or cemetery
- Use of the chapel of rest
- Advice on registration and certification
- Preparation and care of the deceased prior to funeral
- Taking the deceased to funeral directors premises within 25 miles
- Attendance of the conductor and bearers
- All funeral staff required to conduct the service
- Cremation, or Interment, Doctor and Minister costs (up to £1,000)

Optional extras also include following limousines and a full list of floral tributes, which are included in our Gold and Platinum plans. You can find out more about our plans here.

What does the plan not cover?

If you choose a burial, the plan does not cover the cost of purchasing the burial plot.

If you die outside of the UK, the plan does not cover the cost of repatriation back to the UK.

If the allowance for the third-party costs does not fully cover them at the time of need, the full balance will need to be covered – either by your next of kin or representative.

If you have made any requests on the personal request form that are not part of the plan, i.e. flowers or memorials, they will not be covered.

If your next of kin or representative chooses a different funeral director than the one stated on the plan certificate, there may also be further costs incurred that won’t be covered.

Can I take out a plan for someone else?

Yes. You can take out a plan for a relative if you wish to cover them against the rising costs of funerals. All of the communication will be done via yourself, and the plan correspondence will be sent to your address.

Can I choose my funeral director?

Please let us know when you apply, if you have a preferred funeral director in mind we will endeavour to allocate your plan to your selected funeral director. However, this may not always be possible under some circumstances. If this happens to be the case, we will proceed to allocate your plan to a funeral director from our panel at our discretion. We will attempt to contact you to notify you of this.

Don’t worry if you don’t have a specific funeral director in mind, as we will appoint one for you from our network of local independent funeral directors.

What happens if I move to a different area?

Your plan will remain valid if you move house. Just call the Prosperous Life customer care team who will allocate a new funeral director within your new location.

What happens if something happens?

If you pass away before all payment instalments are completed, don’t worry. Your funeral will still go ahead as planned, providing that your funeral organiser agrees to meet any outstanding balance on the plan. Should your funeral organiser decide not to go ahead with your plan, they can simply get in touch with us to request a cancellation.


If the Plan is Not Fully Paid at the Time of Your Death

7.1 If Your Plan has not been paid in full at Your Time of Need it may not provide the benefits shown on Your Plan Certificate. If at Your Time of Need Your Plan has not been fully paid We will provide Your Next of Kin with a statement of the balance that is required to be paid to make Your Plan fully paid.

7.2 Your Next of Kin will have the choice of paying for (or reaching terms acceptable to Us for payment of) the outstanding balance in full so that Your funeral can be arranged, or notifying Us that they wish to cancel Your Plan. If Your Next of Kin chooses to cancel Your Plan, following receipt of Your death certificate, We will refund the Net Balance of Trust or, in the event of a state assisted funeral, We will pay the Net Balance of Trust to Your estate. We will have no further obligation to fulfil Your Plan.

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