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Heaven Funeral Cover Funeral Insurance Plans

Get support for what matters most with Heaven Funeral Cover

Feel proud to help protect your loved ones from funeral costs with affordable cover, guaranteed acceptance and policies that can be sorted out in a matter of minutes.

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Why choose a Funeral Insurance Plan?

According to our research, the average overall cost of a funeral in the UK now sits at £4,515 and could rise to more than £13,000 depending on the choices made. 1 It goes without saying that the cost of a funeral can be a lot to take on for your family at short notice. Heaven Funeral Cover Funeral Insurance Plans can provide your loved ones with a cash lump sum to help you protect them from the stress of funeral costs or any other end of life costs.


We offer three different types of Funeral Insurance policies so no matter what your budget is there are a range of cover options for you to choose from. Simply choose an amount of cover that you’re happy with and when you pass away your legal beneficiary will receive the money. There are no medicals or blood tests needed and acceptance is guaranteed for UK residents aged 50 to 80. Once it’s in place, you can feel proud and have peace of mind that your loved ones are protected.

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How is it different to a pre-paid funeral plan?

While both Funeral Insurance Plans and pre-paid funeral plans can help your loved ones to pay for your funeral, these are some of the key differences between them. If you already have a pre-paid funeral plan, and you’d like to leave a little extra for your loved ones, you can still decide to get a Funeral Insurance Plan.

Funeral Insurance Plan Pre-paid Funeral Plan
You pay a monthly insurance premium You pay for your entire funeral upfront or in instalments
Your chosen beneficiary will only receive the payout after you have passed away. Whilst the payout amount and cost will increase each year, unless you opt out of the increases, inflation may still reduce the value of the cover. You agree on a price for your funeral at today’s prices and choose the elements you’d like to include in advance - which means you won’t have to worry about the possible impact of inflation.
Your loved ones will still need to plan for your funeral and if your family would prefer to use the payout to help with other things like bills and debts, they can do so. A pre-paid plan can remove the burden of planning your funeral from your loved ones and provide you with the certainty that your funeral is paid for before you pass away.
The payout can be used for more than just your funeral, and isn’t tied to a specific funeral director. A pre-paid Funeral Plan can only be used for your funeral, and you are tied to a specific funeral director.
Things to consider

  • Heaven Funeral Cover Funeral Insurance Plan is a life insurance policy designed to provide a lump sum to your loved ones to help with funeral costs and/or other expenses when the time comes. It is not a pre-paid funeral or a funeral plan
  • Consider the benefit amount you choose as inflation may reduce its buying power over time. This may also result in the cover chosen not being sufficient to pay for funeral expenses in full when the time comes
  • You may pay in more than we pay out
  • If you stop your monthly payments, you will get nothing back

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Select a Funeral Insurance Plan

Based on our research into UK funeral costs, we offer three different levels of Funeral Insurance Plans with different life insurance benefit amounts. That way, you can easily choose the cover that suits your individual needs and wishes.

Gold Funeral Insurance

Amount to pay: £ 5,015


Amount to be won:£ 8,000

Gold funeral insurance could help your loved ones pay for a more personalized funeral or cover other end-of-life costs. According to our research, the average total cost of a funeral in the UK is currently £4,515.

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Silver Funeral Insurance

Amount to pay: £ 4,000


Amount to be won:£ 6,000

A Silver Funeral Insurance plan is designed to help your loved ones by providing a lump sum cash payment that could help cover funeral costs or other expenses that may arise upon your death.

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Bronze Funeral Insurance

Amount to pay: £ 2,000


Amount to be won:£ 4,000

A Bronze funeral insurance plan offers a benefit amount that could help you cover the average cost of a direct cremation. The average cost of a basic service in the UK is currently around £2,750.

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Direct Cremation: £1,895

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A feature of the Heaven Funeral Cover Funeral Insurance Plan is that your benefit amount and premium will automatically increase every year on the anniversary of your policy. The idea behind this is to help your policy keep up with rising funeral costs, and help offset some of the effects of inflation on your payout amount.

How it works is that your life insurance benefit amount will increase by 3.5% and your monthly premium will increase by 5% each year. If you would like you can choose to opt out of these increases in which case your benefit amount and premium will remain fixed for that year. If you opt out of three increases in a row, your benefit and premium will remain permanently fixed for the remaining duration of your policy.

1 Based on figures taken from the Heaven Funeral Cover Funeral Costs Report 2023. According to our report, the average funeral cost was £4,515, and the average cost of a 'basic' service was £2,750. If you add the average cost of all the elements that can be included in a funeral service, average costs could easily reach £13,622 for a burial or £12,668 for a cremation. These are the average costs of a funeral that respondents in our survey have helped to arrange at some point in the last five years.

Why choose Heaven Funeral Cover?

At Heaven Funeral Cover, we have years of experience with helping people secure protection for their loved ones. Since 2012 we’ve helped over 200,000 people across the UK. We’re life insurance specialists that can offer you a simple application, guaranteed acceptance and polices that take minutes to put in place. Making it much easier for you to secure the peace of mind that you deserve.

100% of Claims Paid²

So you can trust that when the time comes, we will be here to help your family.

You'll speak to a real person

We guarantee you’ll be in touch with a real person based right here in the UK.

Immediate Cover

Immediate cover for accidental death, plus death by any cause after 12 months.

How to get a Funeral Insurance Plan

Securing your Funeral Insurance Plan with Heaven Funeral Cover can be done in a matter of minutes over the phone. Our UK based team of specialists are ready and waiting to help you secure protection you can feel proud of. You can call us on 0333 323 2139 to get your quote. We’re available Monday to Friday from 8am to 9pm, Saturday from 9am to 6pm, and Sunday from 9am to 5pm (excluding bank holidays).


Once your policy is in place you are covered for accidental death from day one and then after 12 months, you are covered for death from any cause.

Benefits of choosing Heaven Funeral Cover

  • Depending on your age, you can apply for a guaranteed cash payout up to £10,000
  • Guaranteed acceptance - For UK residents aged 50 to 80
  • FREE access to Health and Wellbeing services 3
  • No Medicals or Blood tests needed
  • No forms - Easy to arrange in one simple phone call
Not sure how much cover you need?

It can be hard to know where to start when deciding how much cover you might need. To begin with you should think about what you want your policy to be used for. The cash lump sum from Funeral Insurance Plans can be used by your loved ones to pay for things like funeral costs or other end of life expenses. So, when choosing your cover option, it can be helpful to have an idea of the general costs of a funeral in the UK. Here’s a few factors that could impact the cost of a funeral:

  • Location
  • Cremation or burial
  • Service type


If you’d like to learn more, you can find out more in our Funeral Costs Report 2023. At Heaven Funeral Cover, we are specialists when it comes to life insurance and can help you no matter what your life insurance needs are.

More reasons to choose a Heaven Funeral Cover Funeral Insurance Plan

  • Choose a £125 Gift Card from Amazon.co.uk , M&S or Tesco with every policy*
  • Free Will Kit worth £100
  • Accidental death cover – If death is due to an accident get 2X your benefit amount paid out up to £20,000, depending on your age
  • Free £300 Funeral Benefit Option gives a FREE £300 contribution towards the cost of your funeral4
  • Flexibility – Apply to increase or decrease your monthly premium amount with no fees

Funeral Insurance Plans FAQs

Here are some of the most common questions we get asked about our Funeral Insurance Plans. If you have any other questions about our life insurance and protection products, check out our helpful guides and full FAQ support section.

A Heaven Funeral Cover Funeral Insurance Plan will allow you to leave a lump sum payout to your loved ones when you pass away. This lump sum payout can then be used to help with a funeral or other costs.

With a range of cover options to choose from, finding the right protection for your family is straightforward. There are three options available to you: Gold, Silver and Bronze. You also have the option of adding additional cover to your chosen cover option, depending on your age. Acceptance is guaranteed for UK residents aged 50-80. From there you will pay a monthly premium that will maintain your protection until you pass away. When you pass away, your legal beneficiary will receive this money to help them with funeral costs or other expenses.

No, Funeral Insurance Plans are not the same as pre-paid funeral plans. While they both can help your loved ones to pay for your funeral, these are some of the key differences between them:


Funeral Insurance Plan

  • You pay a monthly insurance premium
  • Your chosen beneficiary will only receive the payout after you have passed away. Whilst the payout amount and cost will increase each year, unless you opt out of the increases, inflation may still reduce the value of the cover
  • Your loved ones will still need to plan for your funeral and if your family would prefer to use the payout to help with other things like bills and debts, they can do so
  • The payout can be used for more than just your funeral, and isn’t tied to a specific funeral director


Pre-paid Funeral Plan

  • You pay for your entire funeral upfront or in instalments
  • You agree on a price for your funeral at today’s prices and choose the elements you’d like to include in advance which means you won’t have to worry about the possible impact of inflation
  • A pre-paid plan can remove the burden of planning your funeral from your loved ones and provide you with the certainty that your funeral is paid for before you pass away
  • A pre-paid Funeral Plan can only be used for your funeral, and you are tied to a specific funeral director

The death of a loved one can be a stressful time for anyone. The last thing you would want your loved ones to have to worry about would be the finances. Getting the finances together for a funeral at short notice can often introduce stress and pressure into an emotional situation. Having a Funeral Insurance Plan in place could potentially help relieve this pressure and give you peace of mind that your family will have some financial support when you pass away.

Yes, you can have more than one Funeral Insurance Plan. However, you should bear in mind if you have more than one whole of life insurance policy with Heaven Funeral Cover, they cannot exceed the maximum amount available for your age. This will be highlighted to you during the application process. These amounts break down as follows:


  • £10,000 (aged 50-69 at start date)
  • £9,000 (aged 70-74 at start date)
  • £6,000 (aged 75-80 at start date)


This means that if you are aged 75-80 at the time of the application, the maximum you can be insured for across your policies with Heaven Funeral Cover would be limited to a total of £6,000.







Already a customer?

Our friendly UK based team are on hand to answer any questions or concerns you may have. If you want to get in touch, you can call us on +44 7459 907051

Making a claim

Our claims process can be completed in 3 simple steps. Find out all the details and how it works.

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Money worries

Concerned about an upcoming payment for your Heaven Funeral Cover policy? We’re here to help.

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Change your policy

We understand that things can change quicky. Adjusting your policy is easy with Heaven Funeral Cover.

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