Royal London Funeral Plans

Last updated: 5th April 2018

Royal London provide 2 funeral plans; the customer’s chosen funeral package is carried out by Ecclesiastical Planning Services using its national network of funeral directors. The Royal London Funeral Plan insurance policy pays out on death to cover the chosen funeral package.

This funeral plan can not be paid for in 1 payment the only option is to pay monthly until death or age 90, whichever comes first. (plan holders must be aged between 50 and 80 at the start of the policy and be a UK resident)

The 2 Funeral plan packages offered are:

The Traditional Funeral Plan

This plan can be provided for cremation or burial and includes 1 limousine.  The plan features are similar to plans provided from a number of other providers that we categorise as ‘Premium Plans’. For more information on the premium plans available please Click Here.

Useful to Know

  • Available to customers aged between 50 and 80
  • The monthly price is dependent on your age AND where you live
  • Cremations are cheaper than burials
  • The disbursements (third party fees) are guaranteed
  • Medical certification fees required for cremation are included
  • Full cover is provided after 1 year
  • Includes 50 order of service cards
  • There is no choice of funeral director, a funeral director local to where you live is allocated
  • You can add other features to the plan such as paying extra for a cash amount to be provided for a wake

Is it cheaper than other plans?

Royal London Funeral Plans can only be paid for monthly till death or age 90, whichever comes sooner.  According to the National Office for Statistics the average age of death in the UK for a man is 83 and for a woman is 85 so you could end up paying much more than if you bought a funeral plan that you could pay for in one payment or spread the cost over a fixed term (such as 1, 5 or 10 years).

The Royal London website states that the monthly costs start from £29 per month – this is for a 50-year-old living in the cheapest area in the UK. When we checked quotes for a 50-year-old living in Leeds, London, Bristol and Manchester the monthly price for a cremation varied between £32.61/month and £35.61/month and between £35.51/month and £44.71/month for burial.

Other plans that provide cover after 1 year are cheaper and the price is the same for a given age independent of geographical location, to compare over 90 funeral plans please Click Here.

The Alternative Cremation Plan

This is what we describe as a direct cremation plan, for more information about direct cremation plans please Click Here.

This plan does not include a service and covers all the costs required for the deceased to be collected and cremated and includes return of the ashes to the next of kin.

We could not find any regional variation in price when we compared quotes for different areas. Prices start at £15.82 per month for a 50 year old; £16.37/month for a 60 year old and £20.04/month for a 70 year old.

You can compare the plan features of Royal London Funeral Plans using the comparison tables section on this website, to view the comparison tables please Click Here.

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