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Your quick guide to buying a funeral plan

There’s an abundance of funeral plans and providers in the UK and it can be difficult to find the best product for your needs. There are a few things to ask before buying a funeral plan:

Q. What happens to my money?

A Perfect Choice Funeral Plan gives you exceptional financial security for your money. Every penny of the full value of a Perfect Choice plan (excluding the initial management fee) is held securely in a whole of life assurance policy and ring fenced to pay for your funeral when the time comes. To hold the pre-payment funds, we only work with UK-based life assurance companies that are 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 and FCA but we, as the plan provider, are registered with the Funeral Planning Authority.

Q. Who is eligible?

Anyone aged 18 or over can take out a Perfect Choice Funeral Plan, there’s no upper age limit and no medical or health questions to answer.

Q. Does the plan allow me to choose the funeral director?

Yes – our funeral plan allows you to select any accredited funeral directing firm.

Q. What happens if my chosen funeral director goes out of business?

With Perfect Choice your funeral plan can be transferred to a different funeral director, however there may be more to pay depending on local prices.

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

Because we work 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.

Q. Can I buy a funeral plan for someone else?

Yes. We find that many of our clients choose to do this.

Q. Can I pay for my Perfect Choice Funeral Plan by instalments?

Yes, you are able to pay over 12, 24, 36, 48 or 60 months. There is an additional cost if you pay over 24, 36, 48 or 60 months. This additional cost is held within the plan and used for the funeral at the time of need. Terms and conditions and additional instalment terms and conditions apply - please ask us for a copy.

Q. Is the plan guaranteed to cover the entire cost of the funeral?

The plan covers the funeral director’s costs specified in the plan comparison guide. Most Perfect Choice Plans (excluding the Basic Plan and some Personal Plans) include an allowance towards third party fees which are outside the control of the funeral director. These can include cremation fees, doctor's or minister's fees, etc. Please see our Terms and Conditions for full details.

Ecclesiastical Planning Services Limited (EPSL) Reg. No. 2644860. EPSL is an Appointed Representative of Ecclesiastical Financial Advisory Services Limited (EFAS) Reg. No. 2046087. EFAS is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 738805 (EPSL) and 126123 (EFAS). Both companies are registered in England at Beaufort House, Brunswick Road, Gloucester GL1 1JZ.
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