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Pre-paid funeral plans
Planning ahead for your funeral is one of the most thoughtful and caring decisions you can make. Many families never have the chance to talk about funeral wishes, which can lead to uncertainty at an already difficult time. A pre‑paid funeral plan removes that worry, giving you clarity, control and peace of mind.
With a plan in place, you can outline your wishes, make financial provision and ensure your loved ones have expert support when they need it most.
Why choose a pre‑paid funeral plan?
- Pre‑arrange the details of your funeral, including any personal wishes
- Make financial provision in advance
- Choose your funeral director
- Ensure your family receives professional guidance at a difficult time
- No medical forms or health checks required
- Available to UK residents aged 18 and over
- Your plan covers the funeral costs specified in your paperwork, as long as we carry out the funeral and your requirements remain the same.
How your money is protected
All pre‑payments are held securely in an individual whole‑of‑life assurance policy, giving you complete peace of mind that your funds are protected and used only for your funeral.
Backed by a trusted national provider
Our plans are provided by Ecclesiastical Planning Services, part of a specialist UK‑based financial services group with a long‑established reputation for care and integrity.
Flexible payment options
- You can choose to pay in a single lump sum or spread the cost through instalments.
- There is an additional charge for instalments over two years; and eligibility criteria apply.
- Your funeral director can provide a personalised quote, and you can also explore set plans or purchase online through Ecclesiastical Planning Services.
Plan ahead for peace of mind
If you’ve ever arranged a funeral, you’ll know how many decisions need to be made. By taking time now to record your wishes, you can ease both the emotional and financial burden for those you care about.
- A pre‑arranged plan ensures:
- Your wishes are clearly documented
- Your loved ones are supported
- Your funeral costs (as specified) are covered, regardless of future price increases
- As long as your requirements don’t change and we carry out the funeral, your family won’t be asked to pay more.
What happens to your money?
Your payments (excluding the administration fee and any instalment charges) are placed into a whole‑of‑life assurance policy, ring‑fenced solely for your funeral.
The funds are released immediately when needed and cannot be used for anything else.
A choice of services to suit you
Everyone has their own ideas about the farewell they would like. Whether you prefer something simple or a service with additional touches, your plan can reflect your wishes.
Questions & answers
Who is eligible?
UK residents aged 18+ can take out a plan. Instalment plans over two years have additional eligibility criteria. No medical questions are required.
Can I include special wishes?
Yes. You can record music, readings, eulogy details and more at no extra cost. Additional services may incur further charges.
Can I buy a plan for someone else?
Yes, many people choose to do this.
What if I move home?
You can usually transfer your plan to a funeral director in your new area. Costs may vary depending on local prices and plan types.
Does the plan cover the full cost of the funeral?
It covers the services listed in your plan, provided your wishes don’t change and you continue to use the funeral director named in the plan.
Can I pay by instalments?
Yes. Instalment options are available, with an additional cost for terms over two years. We can provide a personalised quote.
Can I change my plan?
Yes. You can amend your plan once it is fully paid. Additional costs may apply if you add new services.
Can I cancel my plan?
Yes.
- Cancel within 30 days: full refund.
- Cancel after 30 days: refund minus the administration fee.
- Instalment plans cancelled within 12 months: full refund.
- After 12 months: administration fee and insurance costs deducted.
What if I die abroad?
The plan does not cover funerals abroad or repatriation. Travel insurance should include this cover.
About Ecclesiastical Planning Services
Ecclesiastical Planning Services works with funeral directors across the UK and is part of the Benefact Group — a family of specialist financial services businesses that donate their profits to good causes, helping to support communities nationwide.
Arranging a pre‑paid funeral plan
Talk to us about organising a pre‑paid funeral plan, find your local funeral director.
e: funeralplans@lincolnshire.coop
Or complete the form below:
Please fill in your details and we'll be in touch about the funeral plans options available.
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