Frequently Asked Questions
Should you have any questions about pre-paid funeral plans further to those listed here please do not hesitate to get in touch with a member of our team.
How much money will I save by taking out a pre-paid funeral plan?
While it is impossible to be specific about the amount of money that you can save by planning and paying for a funeral in advance, funeral costs continue to rise and further increases are predicted in coming years so it makes sense to make financial provision now.
A funeral plan from us guarantees that our direct costs will be covered, no matter how much prices rise. As long as we carry out your funeral and your requirements don’t change, your family won’t be asked to pay a penny more for our fees regardless of how long you live or what happens to costs in the meantime.
What happens to my money when I pay for a funeral plan?
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 Financial Conduct Authority (FCA). Funeral plans themselves are not regulated by the PRA or FCA but are regulated by the Funeral Planning Authority.
Can anyone take out a pre-paid funeral plan?
Anyone over the age of 18 years can take out a pre-paid funeral plan. No medical or health questionnaires must be completed as part of the application process.
Can I take out a funeral plan on behalf of someone else?
Yes, this is possible.
Can I revise my funeral plan if required?
Should you wish to amend any of the details of your funeral plan this can be done at any time by contacting us. Additional costs may be payable if you are adding on further features and services.
Can I cancel my plan if I change my mind at a later date?
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 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.
What happens in the event that my chosen funeral director goes out of business before my death?
Because Ecclesiastical Planning Services works with funeral directors throughout the country, you should be able to transfer your plan to an accredited funeral director near your new home. However, there may be additional costs depending on local prices. Please refer to the plan Terms and Conditions for details.