How Much Does Funeral Cover Cost Per Month in the UK?

For many African expats and diaspora families living in the United Kingdom, one of the first questions when considering funeral insurance is cost. Understanding how much funeral cover costs per month in the UK—and what you get for that price—is essential when choosing the right policy.

Mutual Life Africa offers International Funeral Cover specifically designed for Africans living abroad, combining affordability with international protection and repatriation benefits that standard UK funeral plans often exclude.


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What Is the Average Cost of Funeral Cover in the UK?

In the UK, funeral cover costs typically vary depending on the type of product:

Basic funeral insurance: £5 – £15 per month

Mid-level funeral cover: £15 – £35 per month

Comprehensive or family cover: £35 – £60+ per month


These ranges depend heavily on age, level of cover, and whether the plan includes additional benefits such as repatriation or family cover.

Mutual Life Africa’s International Funeral Cover is competitively priced within these ranges while offering significantly broader international benefits.


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What Affects the Cost of Funeral Cover?

Several factors influence how much you pay per month for funeral cover in the UK:

1. Age at Entry

The younger you are when you take out cover, the lower your monthly premium. Mutual Life Africa allows entry from 18 to 70 years, helping families secure affordable premiums earlier in life.

2. Level of Cover

Higher cover amounts naturally result in higher premiums. Mutual Life Africa offers funeral cover of up to $15,000 (or currency equivalent), allowing flexibility based on family needs.

3. Individual vs Family Cover

Covering a spouse or extended family members increases premiums, but Mutual Life Africa’s family options remain cost-effective when compared to taking out multiple individual policies.

4. Currency Choice

Mutual Life Africa allows premiums and payouts in GBP, USD, EUR, ZAR, CAD, AUD, and SGD, giving expats stability and protection against currency fluctuations.


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How Much Does Mutual Life Africa Funeral Cover Cost Per Month?

While exact pricing depends on individual circumstances, Mutual Life Africa structures its premiums to remain affordable and predictable for African families in the UK.

Typical monthly premiums are designed to:

Start at low entry-level amounts for younger policyholders

Remain competitive for older applicants without medical underwriting

Deliver strong value by including free international body repatriation, a benefit that can cost tens of thousands of pounds if arranged privately


Unlike many UK prepaid funeral plans, Mutual Life Africa’s policy provides a cash payout, giving families flexibility in how funds are used.


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Funeral Cover vs Prepaid Funeral Plans: Cost Comparison

Many UK prepaid funeral plans appear cheaper at first glance but may:

Exclude burial plots, flowers, and catering

Limit funeral director choice

Offer no international cover

Require large upfront payments or long payment terms


Mutual Life Africa’s International Funeral Cover avoids these limitations by providing cash benefits and global repatriation, often making it more cost-effective for African expats.


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Is Funeral Cover Worth the Monthly Cost?

For African families living in the UK, funeral cover is often worth the monthly premium if it:

Prevents sudden financial strain on loved ones

Covers international repatriation to Africa

Provides fast access to funds

Offers certainty during emotionally difficult times


Mutual Life Africa’s approach ensures families are not left fundraising or relying on community contributions during emergencies.


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How to Reduce the Cost of Funeral Cover

To keep premiums affordable:

Take out cover earlier rather than later

Choose a realistic cover amount

Avoid unnecessary add-ons

Select a provider that includes repatriation as standard


Mutual Life Africa’s simplified structure helps eliminate hidden costs and complexity.



Final Thoughts

So, how much does funeral cover cost per month in the UK? The answer depends on age, cover level, and benefits—but value matters more than price alone.

Mutual Life Africa’s International Funeral Cover delivers affordable monthly premiums, multi-currency flexibility, fast claims, and free international body repatriation, making it a strong solution for African expats and diaspora families living in the UK.

In the next article, we’ll explain the difference between funeral cover and life insurance, and which option may be best for your circumstances.