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Our Funeral
Plans

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 have three different plans to choose from

Silver£3,645

  • A standard coffin
  • Funeral Director's Services
  • Use of the chapel of rest
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Platinum£4,245

  • A high quality coffin
  • Funeral Director's Services
  • Use of the chapel of rest
  • 2 following limousines
  • Full list of floral tributes
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2020

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A basic funeral would cost*

£4184

*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.

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.

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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

FAQ

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.

T&Cs:

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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