Is there an age limit or health restrictions?
Anyone aged 18 or over can take out a plan. There’s no upper age limit and no medical or health questions to answer.
Can I pay by instalments?
Yes, you can pay over 12, 24, 36, 48, or 60 months. Please note there is an additional cost for paying by instalments over 24, 36, 48, and 60 months but this additional cost is held within the plan to pay for your funeral when the time comes.
What happens if I pay by instalments and need to cancel future payments?
If you choose to pay by monthly instalments and you wish to stop paying for any reason, you can either cancel the plan and receive a refund of the money you have paid excluding the management fee, or you can leave what you have paid in the plan to be used as a contribution to your funeral when the time comes. And if your plan is needed before you have completed your instalments, the payments you have made will be used as a contribution to your funeral and your wishes will be clearly documented, giving your family peace of mind.
Can I buy a plan for somebody else?
Yes, we find that many of our customers choose to do this.
What if I die away from home?
We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively we can quote for the extra cost involved.
What if I move home?
If you move, Funeral Planning Services can transfer your plan to a Funeral Director in that area. Funeral costs vary from one area to another and you will be advised of any difference in cost at this stage.
Can I change my funeral plan arrangements?
Yes, you can make changes to your plan after you have taken it out. 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.
What if I change my mind later?
You can cancel your plan at any time. If you choose to cancel the plan up to 30 days from the date of purchase you’ll receive a full refund. If you cancel the plan after 30 days, you’ll receive a refund of monies paid, excluding the management fee.
What happens to my money?
Every penny of the full value of your plan (excluding the initial management fee) is held securely and ring-fenced to pay for your funeral.
Funeral plan funds are held in guaranteed whole of life assurance policies with a life assurance company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA). Funeral plans themselves are not regulated by the PRA or FCA but are regulated by the Funeral Planning Authority.
Funeral pre-payment plans are provided by Ecclesiastical Planning Services which is part of the Ecclesiastical group. Ecclesiastical has been protecting people, property and funds since 1887 and Ecclesiastical Planning Services is a registered provider of the Funeral Planning Authority and adheres to its Code of Practice and high professional standards.
My Funeral Wishes?
Funeral wishes, whether in a Will or as described in this document, are not legally binding, after death. It is therefore sensible to identify who will give instructions for your funeral, so you feel confident that your wishes will be followed.
The link below will take you to our funeral wishes form that you are welcome to download and amend as necessary.
My Funeral Wishes