Questions about Funeral Plans

Who is eligible?

UK residents aged 18 or over can take out a plan. For instalment plans, the final instalment must be paid by your 85th birthday. There are no medical or health questions to answer.

Can the plan include special wishes?

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.

How much does it cost?

Naturally this will depend on the type of service you want. The prices quoted are based on current prices for similar funerals. We offer a choice of plans or we can tailor something to meet your individual requirements. Don’t worry – you won’t need to commit before you know the total price involved.

What if the cost of funerals increases?

It won’t affect you. With our all-inclusive plan, once you’ve paid the full plan price you won’t have to make any additional payments for the services listed in your plan paperwork as long as your requirements don’t change. With our Bronze, Silver, Gold and Platinum plans, you can fix our costs and make a contribution to third party costs.

What happens if I move to a different part of the country?

Speak to us first, we carry out funerals far and wide and may still be able to serve you. Otherwise, you should still be able to transfer your plan to a funeral director near your new home. However, there may be additional costs depending on local prices and not all funeral directors guarantee third party costs. Please refer to the Terms and Conditions or speak to us for more information.

How do I know that my money will be safe?

Our funeral pre-payment plans are provided by Ecclesiastical Planning Services which is part of the Ecclesiastical group. Funds are held securely and cannot be used for anything else for your peace of mind. The 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.

Does the plan cover the entire cost of the funeral?

The plan covers your funeral costs listed in the plan details as long as your requirements don’t change and we carry out your funeral.

Please refer to the Terms and Conditions for more information.

Will there be any other costs at the time of the funeral?

There will never be any further charge for the services provided by us, as specified in your chosen plan. However a funeral also involves fees for the cemetery or crematorium and doctors’ examinations, the minister, flowers, press notices etc, some of which cannot be predicted in advance. We recommend that you include a  contribution towards these costs but it may need to be supplemented at the time of the funeral. Our all-inclusive plan covers the third party costs listed in the plan details.

Can I buy a plan for someone else?

Yes. Just let us know who the plan is for when you order, and Ecclesiastical Planning Services will send all correspondence to you. All orders are treated in confidence.

How do I pay for my plan?

Most people prefer the convenience of making one payment, so they don’t need to think about it anymore. You can give us a cheque (payable to Ecclesiastical Planning Services or EPS) with your application form, or you can post them direct to the national office of Ecclesiastical Planning Services.

Can I pay for my plan by instalments?

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.

Yes. You can choose to pay over 1, 2, 3, 4 or 5 years. Please note there is an additional cost for paying by instalments over 24, 36, 48 and 60 months. The additional cost is held in the pre-payment plan and used for the funeral when the time comes. 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 if I die away from home?

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 situation.

What if I change my mind later?

This is not a problem. Customers occasionally have second thoughts about the type of funeral they want and it is reassuring to know that you can change your mind if you want to. We will advise on the alternatives available and make changes to your plan if necessary – this may affect the plan price depending on what you require. Our aim is to ensure that your plan remains right for you.

Can I cancel my plan?

Yes, you can cancel your plan at any time. If you choose to cancel 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 the an instalment plan.

Terms and Conditions apply to funeral plans – please ask us if you have any questions.

We are an Appointed Representive 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 258152. The Financial Conduct Authority regulates pre-paid funeral plans only.

Just call us on (0151) 424 5432 and we’ll discuss all the Funeral Plan options with you. Ask for a free colour brochure and we’ll be happy to post one to you – or click here to enquire online about our funeral plans.

All-inclusive Funeral Plan

This plan covers all services and fees for a funeral. You can find out more here.


Platinum Funeral Plan

Taking one of our Platinum plans ensures all the finest features of an English funeral at its very best, including a solid oak coffin.


Gold Funeral Plan

Our Gold plans ensure all the details for a traditional funeral are covered, including a high quality veneered coffin.


Silver Funeral Plan

Taking one of our Silver plans ensures that you’ve allowed for the usual customs at an affordable cost.


Bronze Funeral Plan

Taking one of our Bronze plans ensures that you’ve covered the basic essential services and fees for a simple funeral.