Pre-paid Funeral Plans

A Pre-Paid Funeral Plan is a simple way of choosing the kind of funeral you would like and then
pre-paying for it today. Some of the reasons people buy a funeral plan are to:

Keep Their Money Safe

Your money is protected and will be invested in a Whole of Life insurance policy with a leading UK financial services company, and is protected by the FSCS, meaning it will be there for your family when its most needed.

Help Protect Against
Rising Costs

Fosters Funeral Directors services are guaranteed so your family will never be asked to pay a penny more for our services. The plan also includes a financial contribution towards the essential 3rd party fees for the burial or cremation.

Gain Peace Of Mind

The quiet satisfaction of knowing that both you and your family will receive the best of care from Fosters when the time comes and that we will be able to help and guide them through your funeral wishes.

Our Funeral Plans

We offer two Pre-Paid Funeral Plans comprised of different options so you can choose the one most suited to you. Each plan includes all the essential services required for a burial or cremation funeral. These have been carefully designed by our professional funeral arrangers to give you complete peace of mind that everything has been taken care of.

free will 250

from £8.85 p/m*

from £8.85 p/m*

free will 250

from £20.16 p/m*

from £20.16 p/m*

Our Direct Plan provides a dignified and affordable unattended cremation with ashes scattered in the garden of remembrance, or returned to nearest Fosters.

Our Personalised Plan offers you flexibility when it comes to pre-planning a funeral. Available for both burials and cremations, it can be fully personalised to you and your family’s needs.

Once your plan is in place, we guarantee that the price for the funeral services provided by us will stay the same and, no matter how much funeral prices may rise in the years to come, your loved ones will not have to pay a penny more for Fosters services included with your plan.

Affordable Ways To Pay

Fixed Monthly Payments
10 Year Instalments
5 Year Instalments
Payment In Full


of people find it stressful getting things right for their loved one*


of people who had the responsibility for arranging a funeral, went into debt to pay for it*

Less than 1%

of people know their loved ones wishes*

Changes To Average Funeral Costs In The UK

A recent survey (SunLife (2022) Cost of Dying Report) shows that the average cost of a funeral in the UK is now £4,056 – an increase of 121% since 2004.

 If funeral costs continue to rise at the same rate we have seen over the past decade the average funeral will cost over £5,000, in five years’ time.*

*Source: Sunlife Cost of Dying Report 2022.

Not sure which plan is right for you?

Have a chat with one of our advisors who can guide you through your options.

How Our Plans Work

Direct Plan
Personalised Plan
Guaranteed Service Value£1,000£2,145
+ any additional services added
Contribution Elements ValueN/A£1,000
+ any additional services added
Plan Management Fee£449£499
Guaranteed Service

Everything included within our Guaranteed Service will not change.

Whatever plan you choose we will provide the following essential services.

  • Bringing into care from anywhere within mainland Scotland 
  • Take care of all administration and liaising with relevant third parties 
  • Dignified care and preparation of the deceased for the funeral  
  • Fully lined and fitted coffin
Contribution Element

Our Simple and Personalised Plans include a £1,000 contribution to pay towards essential third party expenses.  We will use the contribution value towards the cost of cremation or burial first and then officiant fee cost and if there is anything left over, your family can use this for any other services such as flowers. 

You can add up to £500 of additional contribution if you think it will be needed.

Management Fee

The plan includes a one off management fee, £449 for a Direct plan and £499 for a Personalised plan, to cover the cost of setting up and administering your plan over it’s life.

Our insurance provider will pay us a commission, but this does not affect the price of your plan.

Is A Funeral Plan Right For Me?

Existing Funeral Provisions

You should consider if any existing provision you may have is sufficient to provide for all your funeral needs.

Funeral Services

If you expect a funeral to be required soon, you may wish to consider our regular funerals at the time of need.

Payment In Full

You should consider if you can afford to pay now, in one single payment.

What would my funeral service cost today?

To help you decide whether a Funeral Plan might be right for you we have compared the cost of the services included with our plan against the like for like price at todays price.

Plan price£1,449£3,644
The same funeral services, if required today£1,095£3,490

Comparison based upon pricelist as of 1st May 2023 and includes £1000 worth of 3rd party disbursements.

Fosters Funeral Directors is a trading name of The Independent Family Funeral Directors Ltd who are authorised and regulated by the Financial Conduct Authority FRN 966550

Any Questions?

Our dedicated team are available 7 days
a week to help you get started and answer any questions.
Call us FREE on:

0800 121 8090
Any Questions?

Our dedicated team are available 7 days
a week to help you get started and answer any questions.
Call us FREE on:

0800 121 8090