Our funerals have been on funeral plans for some years. If they hadn't have been I would have gone for a direct funeral now too.
We are with The Co-Op for ours on monthly direct debit. Unfortunately, we needed to use my husband plan 4 years ago. Such a relief we had it because without it the costs upfront would have been difficult to meet.
I finish paying mine at 70. No point changing my mind on it now, as it will be a waste of money.
I also have one of my insurance policies earmarked for our sons for a holiday abroad together, with their families, to scatter our ashes together in our spiritual homeland.
My eldest will clear up everything will wise and knows where the will, my wishes etc and paperwork to deal with everything is. I know he will do it to the letter. My other 3 are fine with that so no arguments will be had