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Getting a Funeral Plan in the Philippines: Costs, Pros, & Everything Else You Need to Know

Posted by Golden Future Life Plans on December 6, 2020

Have you chosen a Funeral Plan in the Philippines for your needs? Check out the best Funeral Plans with Golden Future!


Terror of Death 

Since the beginning of time, people have different interpretations and acceptance towards death. In fact, these ideas surrounding death have been the origin of funeral plans in the Philippines. Some people accept that death is a matter of time and is to be accepted. The rest, they are afraid to die because of their own personal reasons. 

According to a study by (Pyszczynski, Greenberg, & Solomon, 2002; Solomon, Greenberg, & Pyszczynski, 2004), down through history, human beings have developed elaborate defense mechanisms against the terror of death. 

No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet, death is the destination we all share. No one has ever escaped it, and that is how it should be, because death is very likely the single best invention of life. It’s life’s change agent. It clears out the old to make way for the new,” says Steve Jobs. 

Fear of death is normal, especially when you’re afraid that one day, everything you’ve done and experienced on Earth are now just memories for the living. People fear death even more than pain – that is why the talks regarding funeral are hard to plan and progress. Fortunately, funeral plan providers are common globally to fix this issue. 

  • Acceptance of Death as It Is

Most of us like to think we’re in control of our life until the day we die. We make choices and decisions to seize each day with a smile. However, if you discover you have a fatal illness, it can feel like you’ve been robbed of control, and the acceptance of death seemed scary in an instant. 

It is undeniably challenging to accept death and prepare for it. You may be plunged into grief and despair, but planning for it will give you a sense of promise. If you’re able to concentrate on planning the practical side, you’d understand how essential funeral plans are in the Philippines.

Death is a sensitive topic that most people find too emotional to discuss. However, it is an undeniable reality that we all share as humans. According to 2016 data from the Philippine Statistics Authority, an average of 1,591 individuals die each day in the country. Although it is terrifying, staying prepared is the key to managing anything successfully. 

Read the following information to relieve some of the stress that you may feel about tying up loose ends. The reason for death will be different for everyone, but it’s possible to plan your funeral outcome better than the rest. Check these out! 

Funeral Plans in the Philippines

Funeral plans are common in the Philippines. Since the beginning of time, funerals have been a means of expressing our beliefs, thoughts, and grief. With that, a funeral service supports everyone to face the reality of death as it is.  

  • What is a Funeral Plan in the Philippines? 

Oxford Lexico’s Definition of Funeral Plan 

  • “A scheme for making regular contributions towards the payment for one’s own funeral.”

In the Philippines, a memorial plan enables the plan holder to “pre-pay” forthcoming expected memorial needs for funeral purposes. The fee is paid at a cost that is substantially lower than when availed of as needed.

A basic funeral plan package in the Philippines includes the following:

  • Memorial services (traditional burial or cremation)
  • Casket or urn of your choice
  • Chapel or mortuary
  • Pick-up of the body from house or hospital
  • Embalming procedure
  • Transfer permit processing
  • Death certificate processing and forwarding of such to the concerned City Hall in the Philippines 

If you are looking for funeral plans that are worth your time and money, consider giving us a call to help you. To give you a little background, here are the funeral plans you can get with Golden Future. 

With these plans, you would have a chance to acknowledge that someone has died and will allow you to say goodbye respectfully, and peacefully. 

o   KAPILYA Life Plan (This plan is for Golden Haven Memorial Chapels and Crematorium Only)

The KAPILYA Life Plan covers the following: 

  • Full Mortuary Service
  • 4-Day Chapel Viewing
  • New Metal Casket
  • Retrieval
  • Preservation Of The Body
  • Lightings
  • Hearse

KAPILYA Life Plan Price 

P 75,000 – 10% discount on Spot Cash Payment

Monthly – P 1,600

Quarterly – P 4,590

Semi-Annual – P 8, 800

Annual – P 15, 000

o   KAPILYA Plus Life Plan (This plan is for Golden Haven Memorial Chapels and Crematorium Only)

The KAPILYA Plus Life Plan covers the following: 

  • Full Mortuary Service
  • 4-Day Chapel Viewing
  • Cremation With Marble Urn
  • 4-Hour Use of Crematory Family Lounge
  • Metal Casket (Ceremonial)
  • Retrieval
  • Preservation Of The Body
  • Lightings

KAPILYA Life Plan Price 

P 74,000 – 10% discount on Spot Cash Payment

  • Monthly – P 1,580
  • Quarterly – P 4,530
  • Semi-Annual – P 8,680
  • Annual – P 14,800

o   DESTINY Life Plan 

The DESTINY Life Plan covers the following: 

  • Full Mortuary Service
  • 4-Day Chapel Viewing
  • New Metal Casket
  • Retrieval
  • Preservation Of The Body
  • Lightings
  • Hearse

DESTINY Life Plan Price 

P 100,000 – 10% discount on Spot Cash Payment

Monthly – P 2,130

Quarterly – P 6,120

Semi-Annual – P 11,730

Annual – P 20,000

o   LEGACY Life Plan 

The LEGACY Life Plan covers the following: 

  • Full Mortuary Service
  • 4-Day Chapel Viewing
  • New Metal Casket
  • Retrieval
  • Preservation Of The Body
  • Lightings
  • Hearse

LEGACY Life Plan Price 

P 210,000 – 10% discount on Spot Cash Payment

Monthly – P 4,470

Quarterly – P 12,850

Semi-Annual – P 24,620

Annual – P 42,000

o   KAIBIGAN Life Plan 

The KAIBIGAN Life Plan covers the following: 

  • Full Mortuary Service
  • 4-Day Partner Chapel or Home Viewing Service
  • New Metal Casket
  • Retrieval
  • Preservation Of The Body
  • Lightings
  • Hearse

KAIBIGAN Life Plan Price 

P 55,000 – 10% discount on Spot Cash Payment

Monthly – P 1,170

Quarterly – P 3,370

Semi-Annual – P 6,450

Annual – P 11,000

o   TAHANAN Life Plan (This plan is for Golden Haven Memorial Chapels and Crematorium Only)

The TAHANAN Life Plan covers the following: 

  • Full Mortuary Service
  • 7-Day Home Viewing Service
  • New Metal Casket
  • Retrieval
  • Preservation Of The Body
  • Lightings
  • Hearse

TAHANAN Life Plan Price

P 55,000 – 10% discount on Spot Cash Payment

Monthly – P 1,170

Quarterly – P 3,370

Semi-Annual – P 6,450

Annual – P 11,000

o   TAHANAN PLUS Life Plan (This plan is for Golden Haven Memorial Chapels and Crematorium Only)

The TAHANAN Plus Life Plan covers the following: 

  • Full Mortuary Service
  • 7-Day Home Viewing Service
  • Cremation With Marble Urn
  • 4-Hour Use Of Crematory Family Lounge
  • Metal Casket (Ceremonial)
  • Retrieval
  • Preservation Of The Body
  • Lightings
  • Hearse

TAHANAN Plus Life Plan Price

P 48,000 – 10% discount on Spot Cash Payment

Monthly – P 1,020

Quarterly – P 2,940

Semi-Annual – P 5,630

Annual – P 9,600

With Golden Future’s funeral plans, you could plan a worry-free future. If you have any questions or clarifications about the packages, feel free to shoot us a message. We’ve got you covered. 

In addition, you could also visit us whenever you’re free.

Golden Future Main Office

Address: 3F Golden Haven Bldg., Villar SIPAG Complex, C-5 Extension, Pulanglupa 1, Global South, Las Piñas

Phone: (02) 8277 3888

You’d need a funeral plan when you’re decided to plan your burial ahead of time. When a friend or loved one dies, or death is expected to take place soon, there are many responsibilities and obligations to take care of, such as the bills, the country’s requirements, and so on. 

Amid grieving, you’d still have to pay and process everything for a modest memorial passing. In this scenario, you’d have to make calls and follow various steps to attain a decent funeral. With this in mind, you’d definitely need a plan to make things work. 

Here are some steps for you to follow to avoid complications. 

  1. Search for funeral plan providers in the Philippines. It’s better to plan it now instead of bothering yourself when the time comes. It’s a plan most people would prefer not to address, but funeral planning’s financial and emotional benefits are beyond necessary for Filipinos. 
  2.  Make some calls. Ask a number of people if they have a funeral company in mind. Today, funeral plan providers are known by Filipinos through experience or social media. If you’re a beginner at these things, ask someone that might know. Whichever company you choose for your funeral plan, your money will be securely invested for your needs. 
  3.  Decide your pre-arranged funeral plans. Meet or call a life plan provider to plan the funeral services. In that scenario, you will review how your memorial will be cared for, amongst many factors. 
  4.  If you have a big budget, get more than one funeral service plan in the Philippines. Consider the size of your family. The most significant benefit of this decision is acknowledging that when your loved ones die, you will be able to cover all financial costs effortlessly. 
  5.  Make sure your loved ones know what type of plan you would want for yourself. Planning ahead is a smart thing to do, but make sure to involve them in your decision. They are your family, after all. 

If you died and were the breadwinner, considering a funeral plan is a good thing to settle. Looking for funeral plans might seem like a hassle task to accomplish with the unnecessary expense, but it is a reminder that life is short, and we need to prepare for our deaths. 

“By planning ahead, you can ensure that your funeral is exactly what your grieving family will want and need,” says Funeral Basic

  • Is a Funeral Plan in the Philippines Worth Buying? 

Yes, it is. With funeral plans, you can ease your family’s financial burden, relieve the stress in making difficult decisions, and have a meaningful funeral.

Typically, the first few days after a loss are hazy, and it can feel like you’re carrying the world, but eventually, everything will be alright again. Fortunately, in the midst of this emotional stress, the help of funeral services is useful to lessen the tension. 

Funeral Insurance in the Philippines

As a Filipino, the need for Funeral Insurance will help you concerning death matters. If you’re interested, take a look at these details to know more. 

  • Reasons Why You Need a Funeral Insurance in the Philippines 

For beginners, funeral insurance is a life insurance policy that is designed to pay for your funeral, burial, and other “final expense,” says Funeral Wise. Funeral insurance is also called as burial insurance, final expense insurance, or preneed insurance in the Philippines.

If you’re still hesitant to avail funeral insurance in the Philippines, here are several reasons for you to consider. 

  1. Burying the deceased with honor and respect is something that every Filipino should do. In that way, they can leave this world peacefully and decently. If anyone you know is seriously unwell and is expected to die anytime soon, consider making funeral arrangements in advance.
  1. Having funeral insurance will enable you to manage expenses in great ways without the emotional and physical toll. Preparing ahead of time puts you in control and allows you to weigh and scrutinize all your options.
  1. “Funeral insurance is a policy that can help you and your loved ones prepare for funeral expenses,” says Savvy. In fact, everything will be paid out to the beneficiaries to help them take care of funeral charges.
  1. One of the most inclusive benefits of funeral insurance is that the payment isn’t restricted to funeral expenses. While it is its purpose, your assigned beneficiary can use the funds with flexibility while deciding how to allocate the money.
  1. A funeral insurance acts as a savings plan. It provides your family with an immediate benefit, usually within 24 hours of submitting the finished paperwork.

For these reasons, we hope that you’d get your own funeral insurance in the Philippines. Depending on the type of insurance you have, your loved ones, mainly family, can receive an immediate cash payout after death has been certified. 

There are many reasons to unravel as people get older, and having to ponder about the cost

of death isn’t one of them. Today, funeral plans guarantee services for those who are preparing for their passing.

Any time is a good time to plan your funeral, but It isn’t laidback as you think it is. Some people can’t even think of death as a reality, which makes it hard to accept that we will all die in time. However, we believe that planning a funeral in advance is a wise thing to do. 

If you’re looking for a company in which you can buy a funeral plan/insurance in the Philippines, we’re glad that you’ve found your way to us. Do you have any idea of who we are? Golden Future Life Plans completes the components of death care development by the MB Villar Group of Companies.

We were established in 2018 and is founded on strength and stability. We design our plans to deliver the most value for your hard-earned money. Motivated by our care and commitment, we envision a Golden Future for every Filipino family.

To give you a quick background, here are the funeral plans offered by Golden Future. Check it here: Traditional or Cremation

This December, we are proud to announce our 5% discount on ALL PLANS. This is our gift to Filipinos this season of giving! Avail of our plans with a 5% discount from the total contact price! Use this promo code right away: RDSHW5. 

Secure a worry-free future online! From choosing a funeral plan to paying your first amortization, everything can be done here!

Funeral Arrangements in the Philippines

Get your funeral arrangements done with the help of funeral companies in the Philippines! 

  • What is Included in the Funeral Arrangements in the Philippines? 

In the Philippines, here are some of the memorial services being offered by funeral companies. 

o Full Mortuary Service

o Chapel Viewing

o Metal Casket

o Retrieval

o Preservation Of The Body

o Cremation

o Lightings

o Hearse

o Memorial Booklet

o Balloon Release

o Lantern Release

If you’d like to know an exact arrangement, you could visit some funeral sites to have a clearer idea. Some arrangements are collated into a single package that will be tailored for your budget. 

Funeral Expenses in the Philippines

The price of memorial services in the Philippines varies per funeral company. If you wish to know an estimate, you could give your chosen ones a contact to answer your curiosity. You could also visit their respective websites for faster results. 

The typical cost of getting a funeral plan in the Philippines is wide-ranging because of several factors. Here at Golden Future, our fees range from P 75,000 at the minimum to P 210,000 for a one-of-a-kind plan. 

If your lifestyle requires an unbearable high cost to survive, your final resting requires a hefty amount too—and the expenses never end, says E Compare Mo. In addition, they mentioned that funeral costs in the Philippines could almost kill a person – with bills

Here’s a breakdown of average funeral expenses in the Philippines from E Compare Mo: 

Registration of Death in the Philippines 

  • Burial permit at the public cemetery – P150
  • Burial permit at a private cemetery – P500
  • Transfer of Cadaver – P200
  • Documentary Stamp Tax for every receipt – P15

Mortuary Care

  • Small funeral parlor – P8,000 – onwards
  • Mid-range funeral parlor – P15,000 onwards
  • High-end parlors – P30,000 – onwards

Estimated price of Coffins in the Philippines

  • Wooden – P3,000
  • Metal – P16,000 onwards 
  • Stainless – P75,000
  • Bronze – P85,000

Estimated price of Cremation in the Philippines

  • Regular cremation – P10,000 onwards
  • Powder fine – P150,000

Estimated price of Memorial Lot in the Philippines

  • Apartment tombs – P1,000
  • Private lots – P65,000 onwards 
  • Mausoleum – P1,000,000
  • Garden Lot – P2,000,000
  • Estate Lot – P18,000,000

With these estimated prices, we hope that you’ve gotten a clear idea of how much it is to process a funeral in the Philippines. If you have any questions, feel free to send us an email. We’re here for you to know everything you’d like to know regarding funeral matters.

  • How to Make Your Funeral Expenses Affordable in the Philippines? 

Funeral expenses can sometimes be too expensive for Filipinos. Why? It is because some of the fees are pricier when it is availed on the spot, instead of paying for it as a package with the help of funeral companies in the Philippines. 

If you want to make your funeral expenses affordable in the Philippines, check out these tips accordingly.

  1. Save money as of now. Making a budget, monitoring your savings, and choosing a night in over an expensive evening out are all profitable ways to conserve money. 

If you do not want to avail a funeral plan to save more cash, you could just pay everything in the future with your savings. Although it is a disadvantage on your part, you could pay the bills without having debts in the long run. 

  1. Make a budget right now. Knowing how to spend your money is one of the primary ways you can be better equipped for the future. Start by writing down your income and expenses and manage everything one at a time. 
  2.  Get a funeral plan! Without the time constraints associated with an immediate need, you can plan and prepare for a decent funeral service in advance! Don’t regret it in the future as you die. “A thoughtfully planned funeral service is a healthy first step for the bereaved on their individual grief journeys,” says Funeral Basics. 
  3.  Avoid debt as much as possible. One of the best ways to help plan for life’s big changes is to avoid unnecessary and/or excessive debt. If you die, your loved ones may be accountable for paying off your debt. Spend wisely!


There is still no bright light at the end of the tunnel with the Covid-19 pandemic. Although we wish to stop these trying times, we must expect the unexpected and enjoy life as much as we can. This difficult struggle, with all the uncertain days ahead of us, we must strive to help ourselves and our loved ones with hope and an unending positive mindset. 

From choosing a plan best suited to your needs, accomplishing a Life Plan Application Form, and settling payments, everything may be done online. With just a few and easy steps, you can be worry-free through accessible and convenient channels today.

It’s not unusual for Filipino families to overspend when a loved one dies. However, please do consider availing packages to save every peso. In the Philippines, money is hard to get and save. If you’re not wise with your finances, there might come a time when you’d be desperate to have cash.

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