Concerned about the coronavirus?
If you’re a customer, please be reassured that we’re still supporting and helping families with our Funeral Plan, just as we’ve always done, for almost 160 years. You can find out more about how we’re doing that in our latest guidance and information on coronavirus.
Not a customer?
Get answers to your questions about our Funeral Plan and coronavirus.
You can have peace of mind knowing that all the costs of your chosen funeral package will be paid for.
- Affordable monthly payments
- A choice of two plans to suit your needs
- Guaranteed acceptance for UK residents aged 50 to 80 - no medical questions asked
- With our plans, instead of paying it all upfront you make affordable monthly payments that pay for a Royal London insurance policy. When you pass away this policy pays for your chosen funeral package. Insurance policies are protected by the Financial Services Compensation Scheme. So in the unlikely event that we don’t have the money to pay out on a policy, you can apply for compensation.
The Traditional Plan
From £28.72* per month
This plan is for those who would like a conventional funeral with a service organised by a funeral director with options to personalise.
- Choice of burial or cremation
- Includes collection, care and viewing of your body, help and support of a local funeral director, 50 order of service cards, veneered coffin, hearse and limousine for mourners
- Doctors' fees for certificates for cremation (if applicable)
- Option to add up to two extra limousines, upgrade your coffin or make an additional financial contribution that can go towards flowers, a headstone or a wake
*Figures based on a 50 year old living in Northern Ireland, taking out a Traditional Cremation Plan. Actual costs will depend on your age, where you live, and any options you select.
The cost of a service at a place of worship. Collection of your body from overseas and repatriation to the UK. Cost of embalming and a memorial such as a headstone or plaque.
Your family will also be able to talk to your appointed funeral director to make arrangements for anything that is not included in your plan.
The Alternative Cremation Plan
From £15.82* a month
Sometimes called a direct cremation, this no-fuss alternative may be right for those who prefer not to have a funeral service.
- This option allows you to minimise the cost of your cremation expenses with an approach that does not include a funeral service
- Collection, transportation and care of your body, doctors' fees for certificates for cremation (if applicable). Cremation fees, ashes returned to your family within 10 days
- Cremation of the deceased
*Figures based on a 50 year old. Price is dependent on age.
There is no funeral service and your loved ones will not be able to attend the cremation. Collection of your body from overseas and repatriation to the UK, delivery of the ashes outside the UK, a memorial such as a plaque, any doctor's fees other than for certification for cremation.
How does a funeral plan work?
You make affordable monthly payments which pay for an insurance policy with us. And when you pass away, the proceeds of the policy pay for your funeral package, provided by Ecclesiastical Planning Services.
Who can take out a Royal London Funeral Plan?
As long as you are a UK resident aged 50-80 we guarantee to accept you with no medical questions.
How long do I need to pay into the Plan?
You pay to the anniversary date of your Funeral Plan on or after you turn 90, or until you die, whichever comes first. We refer to this as your Final Payment Date. You can’t ‘cash in’ your policy at any time.
How is my monthly payment calculated?
We calculate your monthly payment by taking into account factors such as your age and your address, in order to give you a fair deal based on the average cost of funerals in your region and the plan choices you make.
Will my monthly payments increase over time?
No. It’s fixed over the length of your Funeral Plan package.
Does my monthly payment change if I move address?
No. Your monthly payment is calculated when you take out your Funeral Plan. The monthly payment you make will never increase.
What happens if I stop making my monthly payments?
If you have reached the ‘half-way point’ of your payments (i.e. half-way between the start of your plan and the policy anniversary after your 90th birthday), your chosen funeral plan won’t be paid for but you will qualify for a contribution towards the cost of a funeral when you die.
With most other providers you would get nothing back.
If you have not reached the half-way point, your plan will be cancelled. You won't get back any payments back and your funeral package will not be carried out. You can find out more in our terms and conditions.
What happens to my Funeral Plan when I die?
Your loved ones should contact the funeral provider shown on the certificate of entitlement. If you die after the first year and you’ve made all your monthly payments, Ecclesiastical Planning Services will arrange for your funeral package to be carried out with the funeral provider. Ecclesiastical Planning Services will claim on your insurance policy, and we’ll cover the cost of your funeral package.
In some circumstances we’ll make payments to your personal representatives instead of Ecclesiastical Planning Services. For example, if you have chosen to make a contribution payment towards extras like flowers or a wake.
What happens if I die within 12 months of taking out a plan?
If you die within the first year, your chosen package won’t be carried out. If you die from natural causes the payments you’ve made will be returned to your personal representatives. If you die from an accident the value of your funeral plan will be paid to your personal representatives. Your chosen funeral package will be paid for when you die as long as you have been making monthly payments into your plan for at least one year.
If you die within one year of your funeral plan starting, your loved ones should contact Royal London directly on 0345 266 5400.
What happens if I die outside of the UK?
If you die outside of the UK, your funeral plan is still valid as long as your monthly payments are up to date. However, you should be aware that repatriation of your body back to the UK is not included as part of the plan. Your family will need to make those arrangements and pay for your repatriation separately.
Who are Ecclesiastical Planning Services?
Ecclesiastical Planning Services is a funeral plan provider that has worked with a network of funeral directors for over 25 years. It is part of the Ecclesiastical Group which has been protecting people, property and funds since it was founded in 1887.
Is my plan protected?
Yes, you can claim from the Financial Services Compensation Scheme (FSCS) in the unlikely event that Royal London was unable to pay claims under the insurance policy, if your funeral package hasn’t already been carried out.
What happens if funeral costs rise in future?
Your Royal London Funeral Plan is designed to cover the costs of your chosen funeral package even if prices go up in future. So, with us, you can be sure there will be no ‘hidden costs’ further down the line. If you die after the first 12 months your funeral package is guaranteed to be paid for as long as you’ve made all the payments due.