Your Questions Answered

We have made Choice plans as clear and simple as possible.

For more information, please check below. If you have any further questions, you can make a Quick Enquiry via the contact page, or just give us a call and we will be pleased to help.

Product knowledge

What will happen once I have taken out my Choice Plan?

Our friendly team will send you your welcome pack which will include:

  • A covering welcome letter
  • Your Certificate of Entitlement
  • A Key Facts document
  • A ‘Registering a death’ leaflet
  • Your discount voucher offering £100 off a headstone or memorial purchased through us at the time of need
  • A free legal review from one of our partner companies
  • If you have chosen to pay for your plan by monthly instalments, there will also be details of the amount to be paid each month and the date of your first Direct Debit payment

What are ‘Funeral Directors’ fees’?

Funeral Directors’ fees are all elements of the funeral that are provided by Funeral Partners. These can include the transportation of the deceased into our care, ceremonial vehicles such as a hearse or limousines, care & preparation of the deceased, coffin upgrades or any other items that the Funeral Director can provide themselves.

The Funeral Directors’ fees are guaranteed and will be covered at no extra cost regardless of how long you live or what happens to these costs in the meantime, provided the plan has been paid in full

What are ‘Disbursements’?

Disbursements are sometimes referred to as ‘Third Party Costs’ and include items such as doctors’ fees, minister, Crematorium costs, flowers, obituaries and other items that the Funeral Director could arrange for you, but by using an external source. These fees are not fixed in advance, but we can advise the likely level, so that you can include a contribution towards these costs if you wish. As these costs are not guaranteed, additional amounts over the disbursement contribution made may be due at the time of need.

Do you offer legal advice regarding Wills, Probate etc?

Our 24 hour bereavement helpline offers you and your family practical support and advice during the life of the plan and at time of need. You can call 0808 164 2239 for advice on matters such as probate, bank accounts and pensions.

All advice offered is free and is helpful for simple arrangements you prepare yourself or more complex affairs that require the services of a Solicitor.


What happens to my money?

Choice provides exceptional security for your money, with the invested funds held independently in a whole-of-life assurance policy with a reputable UK-based life assurance company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA), who are members of the Financial Services Compensation Scheme (FSCS)

Is my money safe?

For maximum security, Choice works only with UK-based life assurance companies who are authorised and regulated by the Prudential Regulation Authority (PRA), regulated by the Financial Conduct Authority (FCA) and are members of the Financial Services Compensation Scheme.

What would happen if I die before completing the monthly instalments?

If you die before paying the final instalment of the Charges, then we could pay the Plan Value to the appointed Funeral Director as a contribution towards the funeral, or the estate or individual could pay the outstanding balance in full.

What if the cost of a funeral increases?

Costs of funerals are increasing annually, but if you purchase a pre-paid funeral plan, you fix the Funeral Directors’ prices, with no further charges to you or your family.


Why choose Choice?

Unlike other providers, we don’t expect you to decide on everything straight away.  We like you to feel comfortable with your plan – so your personal wishes can be added to or amended at any time, right up to the time of need.

What happens if I move out of the area?

Your plan is with Funeral Partners, a network of local Funeral Directors throughout the UK. So if you move home, your plan will move with you.

Is there an age limit to take out a plan?

There is no age limit. Anyone aged 18 or over can take out a Choice Plan. There are no age or health restrictions, no credit checks and no medicals are required.

What happens if I change my mind?

We would be sorry to see you go, but if you do change your mind or your circumstances change, you can get a full refund within 30 days of receiving your certificate.  If you cancel after the 30 days, a cancellation fee with be deducted from the amount to be returned to you.

Can I purchase a plan for someone else?

Yes, as purchaser, we would require your details on our Purchase Agreement Form as well as the Plan Holder’s details. You can also express who and where all correspondence should be sent.

Can I add extra services that aren’t included in my plan?

The great thing with Choice, is that you can add or amend any aspects of your plan at any time, once it has been paid in full.

How would my Next of Kin/Executor activate my plan at the time of need?

We will make this procedure as easy as possible as we understand this is a very difficult time. When the time comes, your family just need to inform the Funeral Director and provide a Death Certificate – and we will take it from there, helping them every step of the way.

How is the Funeral Director selected?

Choice is part of the Funeral Partners group, which is a national network of Funeral Directors. We allocate your plan based on the geographical location to your home and you can rest assured that your plan is safe – as all our Funeral Directors are members of the NAFD (National Association of Funeral Directors).

What do I do if I want to make a complaint?

If you have a complaint about your funeral plan, please contact us in the first instance using the details below and we will deal with your complaint in line with our complaints procedure.  You will receive a reply within seven days.  You can obtain a copy of our complaints procedure on request.

Choice Plan Office
46 The Terrace
Torquay, Devon

Tel: 01803 298 243


In the unlikely event that we are unable to resolve the matter to your satisfaction,  you may then refer it to the Funeral Planning Authority by calling 0345 601 9619. We are a Registered Provider of Funeral Plans and comply with the Rules and Code of Practice of the Authority.

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