Because death is a stressful time, and funeral wishes can be difficult to discuss, planning ahead can help to remove unnecessary anxiety and worry for your family and friends.
A funeral plan is a simple, straightforward way to take care of worries and most financial concerns. For example, you can:
You can arrange a funeral plan if you live in the UK and are aged 18 years or more. There are no complicated medical forms to complete. Your plan will cover the costs specified if we carry out the funeral and your requirements stay the same.
If you wish, you can also make a contribution to third party costs such as cremation fees. However, these can be subject to change. For more information, please download our funeral plans brochure.
These are just a few of the questions we're asked about funeral plans. We've answered them here for your convenience but if there's anything else you'd like to ask, please get in touch.
UK residents aged 18 or over can take out a plan. For instalment plans payable over 2 years or more, the final instalment must be paid by your 85 th birthday. There are no medical or health questions to answer.
You can add special wishes and requests such as song choices, readings, information for a eulogy and so on. There is no charge to add these details. There may be more to pay if you require additional features, services or upgrades. You can also appoint a nominated representative, who we will keep informed about your plan according to your instructions.
If you move, you should be able to transfer your plan to a funeral director near your new home. However, there may be additional costs depending on local prices. Please refer to the Terms and Conditions for details or speak to us for more information.
Yes, we find that many of our customers choose to do this.
Yes, you can make changes to your plan after you have taken it out and once it is fully-paid. Just let us know what you wish to change. There may be an additional cost if you add new features and services to your plan.
The plan covers the funeral director's costs listed in the plan details as long as your requirements don't change and your selected funeral director carries out your funeral. The plan can also include an allowance towards third party costs such as cremation, and officiant’s fees. These costs are outside of our control. If these costs, as listed in the plan details, are not covered by the plan value at the time of need, there will be a balance to pay. Please refer to the Terms and Conditions for more information.
Yes, you can cancel your plan at any time. If you choose to cancel the plan within the cancellation period, you’ll receive a full refund. If you cancel the plan after the cancellation period, you’ll receive a refund of the original amount paid, excluding the administration fee, and any payments to insure an instalment plan.
Yes, you are able to pay over a range of periods. There is an additional cost for paying by instalments over two or more years. Eligibility criteria applies. Please refer to the Instalment Q&A and the Terms and Conditions for more information. Your funeral director will be able to provide you with a personalised quote.
The plan does not cover the cost of a funeral abroad, or the cost of repatriating the deceased. It is therefore important that your travel insurance policy covers this.
Terms and Conditions apply to funeral plans – please ask us if you have any questions.We are an Appointed Representative of Ecclesiastical Planning Services Limited Reg. No. 2644860, registered in England at Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester, GL3 4AW, UK, which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 958152. The Financial Conduct Authority regulates pre-paid funeral plans only.
Our pre-paid funeral plans are provided by a trusted national provider, Ecclesiastical Planning Services. As part of a specialist, UK-based financial services group, Ecclesiastical Planning Services has offered pre-payment funeral plans since 2006.
When you take out a funeral plan with us, Ecclesiastical Planning Services arranges for the funds to be held in an individual whole of life assurance policy. The full value of your plan, excluding the administration fee and any instalment charges, is ring-fenced and cannot be used for anything but your funeral when the time comes.
Ecclesiastical Planning Services is part of a large Group that gives available profits to charity and is proud to have been named the UK’s 3 rd largest corporate donor to charities (2023/2024) 1. In addition, Ecclesiastical Planning Services is recognised by the National Association of Funeral Directors for treating customers fairly (2022).
1 The Directory of Social Change, The UK Guide to Company Giving 2023/2024.We are an Appointed Representative of Ecclesiastical Planning Services Limited Reg. No. 2644860, registered in England at Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth, Gloucester, GL3 4AW, UK, which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 958152. The Financial Conduct Authority regulates pre-paid funeral plans only.