Funeral plans

With your funeral paid for you can get on with enjoying life.

Spread the cost of your plan by paying a fixed, affordable monthly payment. Even if funeral costs rise in the future, your monthly payment will remain the same.

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Why take out a Royal London funeral plan?

You can have peace of mind knowing that all your funeral costs have been paid for.

  • Spread the cost of your funeral with affordable payments
  • A choice of two plans to suit your needs
  • Guaranteed acceptance for UK residents aged 50 to 80 - no medical questions asked
  • Unlike many plans, our funeral plans have an insurance policy and these are protected by the Financial Services Compensation Scheme, so your money is safe

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.

What’s included 
  • 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. Pricing correct as at 11 September 2018.

What's excluded 

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.

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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.

What's included
  • 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. Pricing correct as at 11 September 2018.

What's excluded

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.

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Important things to know

Only pays for your funeral on death – no cash in value.

Total monthly payments paid may exceed the cost of your funeral.

No funeral in the first year. If you die from an accident, we pay the value of your plan to your estate. If you die from natural causes, we return the payments made. 

If you stop making payments before the half-way point your plan will be cancelled, you will get no payments back, and your funeral package will not be carried out. That’s halfway from the start of a funeral plan until the plan anniversary after you turn 90.

If you stop after you are halfway through paying for your policy, you will get a contribution towards your funeral when you die.

Giving you protection from rising costs

The average cost of a funeral is increasing at a rate faster than inflation.

This means that more and more families are struggling to cope with the financial burden of paying for a funeral when a loved one passes away.

In 2017*, the average cost of a funeral was £3,784, compared with just £3,675 in 2016. If this trend continues, a funeral could cost as much as £6,643 in 2027.

A Royal London Funeral Plan will cover your expenses even if prices change in future.

*Source: Royal London National Funeral Cost Index 2017

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Frequently asked questions

Your funeral plan allows you to arrange your own funeral and spread the cost over time. You choose your funeral package, which you agree to pay for monthly by direct debit. You agree your monthly payment when you buy your funeral plan.

Your monthly payments pay for an insurance policy with Royal London. On your death the proceeds from the policy will be used to cover the cost of your funeral package. Ecclesiastical Planning Services will carry out your chosen funeral package using their national network of funeral service providers.

As long as you are a UK resident aged 50-80 we guarantee to accept you with no medical questions. 

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.

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.

No. It’s fixed over the length of your Funeral Plan package.

No. Your monthly payment is calculated when you take out your funeral plan. The monthly payment you make will never increase.

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.

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.

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.

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.

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.

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.

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 plan is guaranteed to pay out as long as you’ve made all the payments due.

Useful info

Making a claim

Important documents

Terms and conditions

Policy summary

Apply online or call

You can apply online or by calling us on:

0800 917 5269

Mon to Fri: 8am–7pm. Sat: 9am–5pm. Sun: 10am–4pm.