Understanding funeral costs

We know that concerns about cost can add to the stress of arranging a funeral. Being open and transparent about pricing is an important part of the care we provide.

All funeral directors are legally required to publish a Standardised Price List for a range of services. This is designed to help you understand your options and make informed decisions.

When arranging a funeral with us, you will receive a written estimate outlining the costs involved. As every funeral is personal and tailored to individual wishes, the best way to understand the overall cost is to talk through your requirements with your funeral director.

You are welcome to take time to discuss the arrangements with family or friends before confirming any decisions.

If any changes affect the final cost of the funeral, we will let you know as soon as possible, either in writing or verbally, before the funeral takes place.

Ways to pay

There are several ways families choose to pay for a funeral. These may include:

• A pre-paid funeral plan
• A deposit or full payment
• Life insurance policies

Your funeral arranger will discuss these options with you so you can decide what is right for you.

In certain circumstances, we may carry out a credit reference check, which will leave a record of our enquiry. We also reserve the right to request payment in advance of the funeral. If advance payment is required and not received, arrangements may need to be postponed until payment is made.

Government Support

In some circumstances, financial help may be available through the Department for Work and Pensions (DWP). A Funeral Expenses Payment may help cover certain costs associated with the funeral, including burial or cremation fees, transport and some funeral director fees. A Bereavement Support Payment may also be available to a surviving spouse or civil partner. Eligibility for these payments depends on personal circumstances and benefit status.

Check your eligibility and apply online at gov.uk/funeral-payments/how-to-claim

Funeral cashback

Members receive 1% cashback, calculated on the funeral director’s charges. During your consultation meeting, we will ask whether you or the person who has died were Lincolnshire Co-op members. If so, and provided the account is settled within 30 days, we will arrange the cashback payment. If the person who has died was a member but is not the client, the equivalent cashback amount will be deducted from the invoice. You can also use member cashback and share account balances as payment towards funeral costs. Cashback is subject to terms and conditions, which are available at any of our funeral homes.

Find your nearest funeral home

If you need anything, don’t hesitate to contact your nearest Lincolnshire Co-op funeral home.