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5 Mistakes to Avoid When Buying a Funeral Plan

So many families in the UK are at risk of overspending on their funeral plan due to a growing “national scandal” of rising funeral costs. According to SunLife’s Cost of Dying Report 2021, the average cost of funerals has risen to £4,184. 


By purchasing a direct cremation funeral plan with Neo, you won’t have to worry any longer about financial burdens falling on your family when you pass away. At Neo, our aim is to provide a direct cremation funeral plan option that is as green and as transparent as possible. Our direct cremation funeral plans are eco-friendly and are an all inclusive price of £1,595. 


Because few people understand the funeral planning process, in times of grief people can make mistakes which cost the family additional grief and expenses that aren’t necessary. However, if you are deciding now that you’d like to plan ahead for your funeral, then we have created this quick guide to help individuals feel more empowered when making their funeral plan decision. Listed below are 5 common mistakes people make when looking to buy a funeral plan. 


Mistake number 1: Not doing enough research on the funeral plan provider 


There are a lot of funeral plan providers on the internet. Before purchasing with the first company you come across the internet, take time to read through their Trustpilot reviews to see what customers say about them. You will get an idea of who they are and what they stand for. Some questions to ask yourself are: do they champion sustainability, are they a green funeral provider, and are they transparent with their company values? For example, 99 % of our Trustpilot reviews are rated 5 stars. 


Mistake number 2: Not fully understanding the funeral plan 


There are more technical things to do research on as well. Every funeral plan is different and therefore you should ensure the funeral plan you are looking at adequately fits your needs. Funeral policies will vary from provider to provider, so it is imperative to check elements such as: 


  • Do you get to choose the funeral director? 
  • Are disbursements included? Disbursements are costs that are out of the funeral director’s control (such as doctor’s fees and cremation fees)
  • Is the funeral plan for a burial, attended cremation, or direct cremation? 
  • Where is the provider able to collect the decedent from? Are there any extra charges for a private residence collection? 
  • What are the payment terms of the funeral plan? Will interest be charged after a certain number of months? 


Every funeral plan provider should have a terms and conditions page listed on their website. We advise that you look through those and ensure you know exactly what you are paying for. Oftentimes, the funeral provider will send these to you. 


Mistake number 3: Not choosing an eco-friendly funeral plan provider 


The funeral industry isn’t known for being sustainable. Currently, there is a lot of waste and emissions produced by funeral providers. Traditional funeral elements such as embalming, fancy coffins, transportation, and even flowers have a negative effect on the environment and families often feel these traditions do very little in honouring the life of the person who has passed. 

At Neo, we strive to be the most environmentally progressive funeral provider on the planet. At present, we carbon offset by at least 200% for every cremation we carry out. We also plant a Remembrance Tree in the Scottish Highlands out of respect for the person who has passed, their families, and the environment. Our tree-planting initiative is part of a larger effort to restore the Caledonian Forest in the Highlands, one of the UK’s most ancient woodlands. Our customers are able to visit the groves any time they like. 


We have also recently published our 2020 Impact Report which outlines all impactful happenings in the last year. We are working on improvements for 2021 and will publish this years’ report at the beginning of next year. By choosing to purchase a direct cremation with us here at Neo, you can rest assured that the last impact you have on the world will be a positive one. 


Mistake number 4: Not setting a budget 



The funeral planning stage is unique because it allows you to control the amount you spend. Oftentimes, vulnerable families are left to the guide of the funeral director, and sometimes these experiences lead to the family paying a lot more than what they intended to. By setting a budget and keeping cost in mind, you can ensure that you are getting the appropriate amount of what you need and ensure you are not paying any extra fees. 

Mistake number 5: Not purchasing a funeral plan at all. 


Whether or not you decide to purchase a funeral plan is 100% your choice and your choice alone. However, by not planning ahead or purchasing a plan, people are faced with making very practical and rational decisions at their most vulnerable state. The cost of funerals is only going to increase, so the prices you see for funerals, whether for a burial, cremation, or direct cremation, will most likely not be the prices you expect to see in 10 or 20 years’ time. 


Many believe that funerals are more oriented for the living, and not for the dead. The expense of planning, as well as the time it takes to do it correctly, can be worthwhile if the experience gives a memorial to the one who has passed and to those who are grieving. 


What the Neo Funeral Plan includes 


When purchasing a Neo Funeral Plan, one can rest assured that their last act on the planet is a net positive one. 


Our direct cremation Neo Funeral Plan includes:

  1. Collection and care of the loved one from any location: private residences, hospitals, hospices, and nursing homes.
  2. Handling of all paperwork and admin related tasks: we liaise directly with the hospice, registrar’s office, and crematorium to ensure all paperwork is completed correctly and submitted in due time.
  3. Preparation for the cremation and the cremation itself: we will book in a “committal date” at our partner crematoria. We only use the most eco-friendly crematoria in the UK.
  4. A biodegradable urn. We provide our customers with a modern, simple, biodegradable urn.
  5. Frequent updates from the Care Team: we provide the next of kin with updates on the process every 24 to 48 hours (sometimes more often than that).
  6. A personal hand delivery of the ashes back to the next of kin. Our team of grieving consultants will pay the family a personal visit to bring their loved one back to them, while also explaining the direct cremation process.
  7. Carbon offsetting via tree planting. We carbon offset every cremation we carry out, by at least 200%. We facilitate our tree planting via a charity in the Scottish Highlands who helps the restoration of the ancient Caledonian Forest.


If you’re interested in purchasing a direct cremation funeral plan with Neo 

Funeral planning takes time and requires careful planning and preparation. Planning for your funeral in advance will give you and your family the peace of mind you deserve. Ensuring that you have a plan in place will make it easier for your children and other members of the family for when the time comes. Taking the steps to choose a funeral plan doesn’t have to be hard or scary. Hopefully this quick guide helps families navigate between all the different providers out there, and make an informed decision. 


To read more about our Neo Funeral Plans, please download our direct cremation funeral plan e-brochure and read through our brochure, which we have created to carefully list out everything that is included in our Neo Funeral Plan and what you’ll be paying for. 


If you would like to purchase a direct cremation funeral plan, please give us a call at 0808 196 2140 and a Care Team member will be there to assist you. Also, feel free to jump on our online chat on our website, a team member is online 24/7 to answer any questions you may have.

Jenn Ulloa

Digital Operations Analyst

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