How to Compare Funeral Plans for Couples

Planning ahead for end-of-life arrangements is an essential step in ensuring that both partners have peace of mind about their future. For couples, finding the right funeral plan is even more important, as it can provide financial security, eliminate stress, and ensure that final wishes are met without placing a burden on loved ones. Joint funeral plans are a practical and cost-effective solution, but understanding how they work and how to compare them can help couples make an informed decision.

What Are Joint Funeral Plans?

A joint funeral plan is a prepaid plan designed specifically for couples. Unlike two separate funeral plans, a joint plan covers both partners under a single policy. Typically, these plans are structured so that the funeral arrangements are carried out for the first partner to pass away, and the surviving partner then remains covered or has an option to transfer benefits.

Joint plans can be more affordable than purchasing two individual plans and often come with flexible payment options. They are especially beneficial for married couples, civil partners, or any two people who want to ensure that their final arrangements are taken care of together.

Types of Joint Funeral Plans

There are different types of joint funeral plans available, and understanding the differences is crucial when comparing providers.

First Death Plans

  • The plan covers the funeral costs for the first partner to pass away.
  • The surviving partner would need to arrange a separate plan or cover future costs independently.
  • Often chosen when one partner wants to ensure their funeral is prepaid but the other may have separate arrangements.


Second Death Plans

  • The plan covers the funeral costs for the second partner to pass away.
  • The first partner’s funeral costs would need to be arranged separately.
  • Typically used when one partner expects to fund the first funeral through savings or life insurance.


Dual Funeral Plans

  • Covers both partners under one plan, paying for both funerals when the time comes.
  • Each partner has a separate arrangement within the same plan, ensuring no additional planning is required.
  • The most comprehensive option for couples wanting full coverage.

Key Factors to Consider When Comparing Joint Funeral Plans

With multiple providers offering joint funeral plans, it is important to compare different options based on cost, flexibility, and coverage.

1. Cost and Payment Options

  • Some joint plans offer a discount compared to buying two separate plans.
  • Look for flexible payment options, including lump sum payments or instalments.
  • Consider whether the plan locks in today’s prices to protect against inflation.

2. Coverage Details

  • Does the plan cover both cremation and burial?
  • Are all funeral director fees included?
  • Does it include third-party costs, such as doctor’s fees and officiant fees?
  • What happens if both partners pass away within a short period?

3. Transferability and Flexibility

  • Can the plan be transferred if the couple moves to another area?
  • What happens if the surviving partner remarries or wishes to change the plan?
  • Are there any cancellation or modification fees?

4. Funeral Provider Reputation

  • Check independent reviews to assess customer satisfaction.
  • Consider providers that offer a guarantee of service quality.
  • Ensure the provider is registered with the Funeral Planning Authority (FPA) or a similar regulatory body.

Comparing Joint Funeral Plans from Leading Providers

Several funeral plan providers offer joint funeral plans, each with unique benefits. Below is a comparison of some of the most well-known options available.

Pure Cremation

  • Specialises in direct cremation with a joint funeral plan option.
  • Affordable and straightforward, with no hidden fees.
  • Provides a straightforward, dignified service with no hidden costs and flexible arrangements for both partners.


Co-op Funeralcare

  • Offers prepaid joint plans covering traditional burial and cremation.
  • Flexible payment options and the ability to personalise the plan.
  • Guarantees funeral director fees but may not cover all third-party costs.


Dignity Funeral Plans

  • Provides joint funeral plans that allow couples to tailor their arrangements.
  • Plans include both first death and second death options.
  • High customer satisfaction ratings for professionalism and reliability.


Golden Charter

  • Works with independent funeral directors to provide personalised joint plans.
  • Offers both traditional and direct cremation options.
  • Payment flexibility, with plans that can be transferred if circumstances change.

Aura Life

  • Newer provider focusing on flexible, affordable funeral plans.
  • Joint plans available with simple and transparent pricing.
  • Good option for couples seeking a no-fuss approach.


Memoria

  • Offers joint funeral plans with a range of service options.
  • Strong focus on cremation and eco-friendly funerals.
  • Payment plans that allow couples to spread the cost over time.


Distinct Funeral Plans

  • Provides bespoke funeral planning services with joint plan options.
  • Allows customisation to meet personal preferences.
  • Works closely with families to offer tailored support.

Benefits of Choosing a Joint Funeral Plan

Cost Savings

  • Many providers offer discounts for couples purchasing a joint plan.
  • Fixed-price guarantees prevent rising costs from affecting the plan in the future.


Simplified Planning

  • Ensures both partners have arrangements in place under one agreement.
  • Reduces stress for the surviving partner by having everything prearranged.


Flexibility

  • Many plans offer options to modify or transfer coverage.
  • The surviving partner can often continue coverage without needing to purchase a new plan.

How to Choose the Best Joint Funeral Plan

To select the best joint funeral plan, consider the following steps:

1. Assess Your Needs

  • Decide whether you prefer burial, cremation, or direct cremation.
  • Consider the level of service you want included in the plan.

     

2. Compare Plans and Costs

  • Request quotes from multiple providers.
  • Look for plans that include guarantees on funeral director fees and third-party costs.

     

3. Check Customer Reviews

  • Read reviews from independent sources to understand the quality of service.
  • Look for high ratings on Trustpilot, Reviews.io, or Google Reviews.

4. Understand Payment Options

  • Choose a plan with a payment schedule that fits your budget.
  • Ensure the plan offers protection against inflation.

     

5. Confirm Plan Flexibility

  • Check terms for transferring, modifying, or cancelling the plan.
  • Ask about options for what happens if both partners pass away in quick succession.

     

Final Thoughts

Joint funeral plans offer couples a way to secure their funeral arrangements together while saving money and simplifying the process for the surviving partner. With many options available, taking the time to compare providers, pricing, and coverage ensures you find the right plan to meet your needs. Whether choosing a direct cremation plan or a more traditional funeral service, a joint funeral plan provides peace of mind and financial protection for the future.