Make a claim on a funeral plan

How to make a claim

If you need to make a claim on a funeral plan, here we explain the steps you'll need to take, and who you'll need to contact.

Who to contact

  • If the person covered by this policy (also known as the planholder) dies during the first year of their funeral plan starting please contact Royal London directly on 0345 266 5400.
  • If the planholder dies after the first year of the funeral plan starting please contact the funeral provider shown on the planholder’s certificate of entitlement. The person arranging the funeral will need to provide the certificate of entitlement to the funeral provider. The funeral provider will confirm the plan details and status with Ecclesiastical Planning Services.
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Who we will pay the policy proceeds to

In some circumstances we’ll make a payment to the policyholder's personal representatives, instead of Ecclesiastical Planning Services. We’ve summarised below who we will pay to:

  • If the policyholder dies as a result of an accident, that meets our 'definition', during the first year of the policy – we’ll pay out the value of the policy to the personal representatives.
  • If the policyholder dies during the first year of the policy and it wasn’t because of an accident – we’ll return all payments made to that point to the personal representatives.
  • If the policyholder dies after the first year of the policy and the payments are up to date – we’ll pay Ecclesiastical Planning Services the amount needed to cover the cost of the funeral package, and we’ll pay the proceeds of any contribution payment to the personal representatives.
  • If the policyholder cancels or stops paying the premiums and has made all the payments up to the point which is halfway between the start of the policy and the Final Payment Date – we’ll pay a contribution towards a funeral to the personal representatives.
  • If the policyholder dies during the cooling-off period – we’ll return all payments made to that point to the personal representatives. 

Will any amounts paid out from the policy be taxed?

If any amounts are paid into an estate, inheritance tax may have to be paid on them. Please bear in mind that tax rules may change in the future, which could affect the taxes paid on claim amounts. If you’re unsure of your tax position you should seek professional advice.