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  • Compare a funeral plan to an Over 50s policy

Why choose a Co-op Funeral Plan over Guaranteed Over 50s Life Cover or a Savings Account?


Some people choose to take out over 50s life cover, to cover the cost of their funeral. Over 50s cover provides a fixed amount lump sum on your death.  However, you may pay far more in monthly premiums over your lifetime (up to the age of 90 in most cases) than the lump sum paid out on your death. The lump sum that is paid out may also not cover the full cost of the funeral when the time comes. If you miss a number of monthly payments, your over 50s cover could stop and you (or your family) may not get anything back.


Some people choose to put money into a savings account to cover their funeral costs.  However this too could end up costing more money in the long run.


With a Co-op funeral plan, all the services within your chosen plan are fully guaranteed. So you’re buying the funeral at today’s prices, no matter how far in the future the funeral will take place. We even cover the full cost of third party fees on all of our plans, which no other national funeral plan provider in the UK does*.  This includes officiant’s and crematorium fees.   Your family will also know exactly what you want for your funeral, saving them the anguish of having to make decisions at such a difficult time. Over 50s life cover or savings accounts aren’t able to offer this.


If you want the certainty that the funeral costs will be covered, if they’re included in your Co-op Funeral Plan, they will be guaranteed to be covered.

 Co-op Funeral PlanOver 50s CoverSavings Account
Can I pay monthly? ✔ ✔ ✔
Does it protect against funeral cost inflation? ✔ ✗ ✗
Does it guarantee to pay for all the items you want including in your funeral? ✔ ✗ ✗
Does it help the person arranging the funeral with deciding what kind of funeral you want? ✔ ✗ ✗
If I cancel or close the policy / account, will I get my money back? ✔ (less a cancelation charge. See T&Cs) ✗ ✔

 
*Our Set Burial Plans do not include the cost of the grave or lair, as in some parts of the country this can be as much as £5,000.

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The Funeral Plan contract is made between you and Funeral Services Limited (30808), a registered society under the Co-operative and Community Benefit Societies Act 2014 whose registered office is at 1 Angel Square, Manchester, M60 0AG. VAT registered 403 3146 04. The Co-operative Funeralcare is a trading name of Funeral Services Limited. Part of The Co-operative Group.