Funeral Plans from Funeral Partners

With our Funeral Plan

Our Funeral Plan enables you to prepay for certain elements of your funeral in advance and fix the cost of Funeral Director Services, protecting you from the risk of these rising.

  • The Funeral Director Services are included
  • You have the option to make Voluntary Contributions towards Third Party Fees and Additional Products & Services
  • You will not require a medical assessment
  • You are able to record your wishes to help your family make decisions when the time comes

There are various options when it comes to paying for funerals.

We think it’s helpful to consider some of the alternative ways used to provide for a funeral to see which is best for you.

Is a Funeral Plan Right for you?

 

What’s included?

Funeral Directors Services
These are the essential services carried out by the Funeral Director including but not limited to:

  • Collecting the Covered Individual from their place of death or other location within a 25-mile radius of the Nominated Funeral Director
  • Care and preparation of the Covered Individual before the funeral in professional facilities
  • Use of the Nominated Funeral Director’s Chapel of Rest, or private Rest Room in order to spend time with the Covered Individual during the Nominated Funeral Director’s opening hours
  • An oak-effect foil veneered coffin
  • A hearse to convey the Covered Individual to the place of service, crematorium or cemetery (within 25-miles of the Nominated Funeral Director)
  • Funeral Director and up to four pall bearers to accompany and attend the service

See more of what’s included in a Choice Funeral Plan

What’s excluded?

Third Party Fees and Additional Products & Services are excluded,  you can make Voluntary Contributions towards these costs

  • Third Party Fees
    Your funeral cannot take place without payment being made for Third Party Fees. These variable external costs may include doctors, ministers/celebrants, and cremation or burial fees.
  • Additional Products & Services
    These can include flowers, the wake, obituaries/press notices, orders of service, special transport and other individual arrangements that you may have in mind. These costs are not included in our Funeral Plan, so you may want to make Voluntary Contributions towards these variable costs.

Depending upon the amount of Voluntary Contributions you make, this amount may or may not be sufficient to pay for Third Party Fees and Additional Products & Services. Additional costs may need to be paid for when the Funeral Plan is Redeemed. Prices will be charged at the prevailing rate at the time of Redemption

What’s not included in a Choice Funeral Plan?

Choice Funeral Plans Key Facts

The benefit of a plan

Our prepaid Funeral Plan lets you arrange and pay for your Funeral Director Services in advance. It allows you to make arrangements for your funeral, which may protect your loved ones from uncertainty about your final wishes and risks of rising costs for these services.

Choice Funeral Plans can be purchased by anyone over the age of 18 with no health restrictions and no credit checks.

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Voluntary Contributions

We understand that some people would just like to secure the Funeral Director Services in their Funeral Plan, while others like to make contributions towards Third Party Fees (such as crematorium fees, Doctors’ and Ministers’ charges) and/or Additional Products & Services, in order to personalise the funeral service.

The amount that you contribute towards Third Party Fees and Additional Products & Services is completely your own choice.

Any shortfall in Third Party Fees or Additional Products & Services will need to be paid for at the time of Redemption. Please read the terms of your selected Choice Funeral Plan carefully so that you know what is and is not covered.

The services we include

Funeral Director Services are detailed in our brochure and Funeral Plan Summary document. By purchasing a Choice Funeral Plan, you will have secured the cost of these services, protecting yourself from the risk of price rises for these services.

Convenient ways to pay

Payment methods include credit or debit card, BACS, cheque, or by instalments with direct debit. You can pay for your plan in branch, or over the phone by speaking with one of our team members.

Paying by instalments

You can pay by monthly instalments over one to ten years. The cost of paying for the Funeral Plan over a 12 month term is the same as paying upfront.

If paying over 12 months up to the maximum of 120 months, prices vary by age of the Covered Individual and there is an additional charge.

When you pay by instalments, changes to the amount of Voluntary Contributions can only be made once the plan is fully paid.

If the Covered Individual passes away within 12 months from the date of Activation, the Funeral Plan cannot be Redeemed unless the outstanding payments are made. If the Covered Individual passes away after 12 months, then no further payments will be required for Funeral Director Services, and depending upon the
amount of Voluntary Contributions made, additional payments may be needed for Third Party Fees and Additional Products & Services.

Your money

Choice uses the sums you pay to arrange a whole-of-life assurance policy with a UK-based life assurance company, which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority.

Your Funeral Director

You can nominate your Funeral Plan to a funeral home within the Funeral Partners network of funeral homes. Depending upon your circumstances, you may be able to nominate a funeral home outside of the Funeral Partners network. Please speak to us for more information.

Your plan moves with you

If you move home, let us know and we can discuss the possibility of nominating a funeral home closer to you. There is no charge for this, as your plan is portable and all services will still be honoured.

If we go out of business

In this unlikely event, your money is protected by the Financial Services Compensation Scheme (FSCS).

Money you provide to us is protected by the FSCS up to the value of £85,000. In the event that we, or our Insurer, go out of business, you may be entitled to compensation.

Clarity and value

The plan includes the cost of Funeral Director Services. You can rest assured that, no matter if there is an increase in Funeral Director Services in the coming years, these services have already been taken care of.

Flexible and unique

We don’t expect you to decide on everything straight away. We want you to feel comfortable with your plan – so your personal wishes such as music choices and readings, can be added to or amended at any time

We also include £100 towards any headstone or memorial purchased from us at the time of need and
we will provide you with a helpline number of one of our partner companies who offer probate reviews.

Support for your family

When you purchase a Choice Funeral Plan, you will have access to a helpline offering practical support to you and your family on matters such as probate, wills, legal issues and bereavement support. This is operated by a third party.

What you will receive

Your Welcome Pack will normally be sent within 14 days from when your plan is activated.

This will contain a letter confirming the total amount paid (including the amount of any Voluntary Contributions you may have made), and include details of your Funeral Plan, the Nominated Funeral Director and a Certificate of Entitlement.

Due to factors outside of our control, you may not receive the funeral service that you planned for, for example in the event of a pandemic. We will work closely with your family in these circumstances.

Informing others

You can nominate a friend or relative to become your Nominated Representative. This means they can be informed about your Funeral Plan and act on your behalf, if you so choose.

To make a complaint

We take complaints about our services very seriously and we want to hear from you.

If you have a complaint about your Funeral Plan, please contact us and we will promptly handle this in line with our complaints procedure, which can be viewed at choiceplan.co.uk/complaints

Please contact us if you require a copy of our complaints procedure to be sent to you in a different format.

If dissatisfied with our response, you may be able to refer the matter to the Financial Ombudsman Service at financial-ombudsman.org.uk 
or call 0800 023 4567.

If you wish to cancel

If you wish to cancel your plan, please contact us. You can cancel your plan free within 30 days of purchase, or within 7 days of a Funeral Director initially being nominated to carry out the plan (nomination is required within 30 days of purchase of your plan).

After these timescales, a cancellation fee of £225 will be applied. If paying by instalments, you can cancel for free within 12 months of purchase.