If you move and we are unable to provide the service, Funeral Planning Services, with our agreement, can transfer your plan to a Funeral Director in your new area. Funeral costs vary from one area to another and you will be advised of any difference in cost at that stage.

Yes. Please mention this at time of application, we will need the name, address and year of birth of the person to be covered but we will send all correspondence to you.

If you change your mind within the first month of receiving your plan documents you can return them for a full refund, with no questions asked. If you cancel your plan at a later date, your refund will be subject to an administrative charge.

No, you can purchase a plan at any age and in any state of health but please see the note on instalments.

All payments are made into a secure trust and held in guaranteed whole life assurance policies, ensuring the pre-payment amount is ‘ring-fenced’ and will never fall in value. The guaranteed value will grow as and when bonuses are added whilst the plan is in force. Our prepaid funeral plan providers are members of and regulated by the funeral planning authority and adhere to its code of practice and high professional standards.

Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctor’s fees for a cremation certificate and minister’s or church fees – these fees are known as ‘disbursements’. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed.
The amount included for disbursements will be stated on your funeral plan certificate and will be increased annually in line with Retail Prices Index. You can include a larger, or smaller, contribution towards disbursements if you wish – please ask if you need advice on this point.

No. A guaranteed funeral plan is not a savings account, it is simply a way of paying in advance for the funeral service. As the value of the Funeral Planning Trust fund increases over the years, so the money available to pay the funeral director will increase to compensate for rising costs.

Yes, there are a range of options, please ask for details. Payment by instalments within one year costs no more than a single payment. NB. If you die before completing all of the instalments the funeral will only be part paid.

Funerals, like everything else, are affected by inflation and the cost of a funeral will almost certainly increase before you need one. However, once you have purchased a prepayment plan, the funeral specified will be provided for you when it is needed, without any further charge to you or your family (but please refer to the note on ‘disbursements’). This is one of the most important benefits and why it has become so popular with our clients in recent years.

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.