Pre-Paid Funeral Plans

Peace of mind for you and your loved ones

At the Heart of England Co-op Funerals, our pre-paid funeral plans are designed to provide you with a helping hand. Planning a funeral doesn’t have to be hard, and we can help make the process easier.

Plan for tomorrow, today

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To receive a call back from a trained member of staff please contact us below, or call 0800 652 7226 to discuss any aspect of our services in more detail.

    Putting a funeral plan in place can make a big difference to your loved ones when the time comes. Our high-quality, sensitive and personalised services mean you can easily plan for tomorrow, today.

    Download our Brochure

    No hidden costs

    No hidden costs

    Unlike many providers, we cover all third-party costs – not just the funeral director’s fees.

    Once we’ve agreed a complete fee with you, that’s the amount you’ll pay for the options you have selected. If any third-party fees – from transport to flowers – change, or the costs increase over time for whatever reason, you’ll pay nothing extra. Your fee is your final price, not a contribution towards it. That’s the Co-op difference.

    Your money is safe

    Your money is safe

    Your fee is invested with Royal London Mutual, who are the largest mutual insurer in the UK.

    They provide the Whole-of-life insurance policies and are authorised by the Financial Conduct Authority. It can only be accessed by us upon your death in order to provide for the funeral, or if the plan is cancelled.

    We’ll deliver your chosen plan regardless of the policy’s performance, or future price increases. That’s our guarantee.

    Why choose a pre-paid plan?

    Our Pre-Paid funeral plans protect you from future price inflation and offer smarter ways to pay.

    Current research projects that funeral costs will carry on rising. If they continue to increase at the same rate as we’ve seen over the past decade, the average funeral will cost over £5,000 in five years time.*

    At Heart of England Co-op Funerals, we’ll guide you through the options so you pay only what you should.

    Funeral prices may be increasing every year, but our Pre-Paid Funeral Plans are fully guaranteed. That means you can fix your price now, and pay less than you might later. Our plans also allow your loved ones to arrange and pay for additional services and requests when the time comes.

    “Wonderful, caring people. Everyone was polite, respectful and very helpful. The staff helped us through what my aunt had requested, and we found the entire process much easier due to their thoughtfulness.”

    Mrs Scott

    Why choose us?

    We offer a range of options to help you choose whichever is the best plan for you. You can make as many or as few choices as you want – and you can rely on us to provide a quality service. We take the trust you place in us seriously.

    We can help you create a completely unique funeral plan – and make sure everything is how you want it to be.

    Our colleagues will share with you their time and knowledge, guiding you through the planning process so you can make the choices you want to.

    Our highly-trained teams will answer any questions you have, and even complete the necessary documentation if you wish.

    We’ve been at the heart of our local communities for almost 190 years. We’ve always been here to help, and we always will be.

    Our Plans

    All of our plans cover the funeral director’s charges and all third-party charges as specified within them. They also include transportation and care for the deceased. Beyond these essentials, each plan builds a different type of funeral – and you can choose the one that’s right for you.

    Download our Funeral Plans brochure

    Download our Funeral Plan Options & Prices

    Download our Funeral Plan Terms & Conditions

    Unattended Cremation

    From £1,757

    This cost-effective option offers a simple direct cremation option, without a service or mourners attending.

    Apply Today

    Attended Plans

    From £3,743

    Each of these plans offers a package of fixed services that you pay for in advance - giving you peace of mind that every aspect of the funeral has been considered and arranged. Plans can be upgraded whenever you wish, with only the difference in fee to pay.

    See and Compare Plans



    A tailor-made plan offers unrivalled flexibility. From flowers to music, transport to service stationery, simply select as you wish from our wide range of options.

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    “Thank you from the bottom of my heart! Five stars is simply not enough. I will be eternally indebted to all concerned for affording me the opportunity to create a day that will forever live on in the memories of all those in attendance.”

    Mr D McDougall

    Paying for your plan

    Applying for a plan with us is straight-forward. To make a start, you might wish to discuss your options with us. You can contact us by phone, email, or via our website. Alternatively, there will always be a warm welcome at one of our funeral homes. We can also arrange for a colleague to visit you at home if you prefer. The next step is the application form itself.

    For Set Funeral Plans, you can simply fill out the application form provided by one of our funeral directors. For Tailor-Made Funeral plans, the form can be completed during a meeting with one of our colleagues, so you can discuss with them all the options and costs for the services you are interested in.

    Once your application has been processed, we will send you a Funeral Plan Documents Folder. This will include two copies of your personalised Funeral Plan Summary, detailing the Plan you have chosen.

    Plan for tomorrow, today

    Contact your local expert