Funeral Cover


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

Are you worried about funeral costs for yourself or a loved one? Do you wonder how your family will cover the costs?

The most common policy for life protection;

Think about when the unthinkable happens. There can be a lot of unforeseen costs following the death of a loved one. The funeral arrangements themselves – coffin, flowers, headstone, cars, undertaker fees – and any probate issues that need to be dealt with. The average funeral now costs £7,622 – a 7.1% increase on the cost a year ago.* How would you cope if you were faced with such a large bill?


When you have got more important things to think about, don’t let money worries occupy any of your time.

We can help you cover funeral costs. As long as you are aged under 80 years old then you will be guaranteed to be accepted with no health questions to answer.

Speak with one of our specialists today for more information by calling 0151 329 2009 or complete the form below and we will call you.

Frequently Asked Questions

There are many reasons for taking out a funeral plan, but the main ones are to ensure that your wishes are known and followed, your loved ones do not have to shoulder the burden of the costs of a funeral and with the costs of funerals on the rise year after year, taking out a pre-paid funeral plan, freezes the costs now, protecting your loved ones from escalating costs.

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 one of the providers on our panel. On your death the proceeds from the policy will be used to cover the cost of your funeral package.

Normally anyone who is over 18 years old can apply for a funeral plan, and we can guide you through a range of plans to suit everyone’s needs and budget. You can also buy a plan for someone else, such as a loved one or close friend.

Yes, you can choose a variety of optional extras when you first take out your plan, as well as at any time later. Just call one of our helpful advisors who can discuss the various options available to you. You can also specify any personal requests you may have, such as a particular type of flower for your wreath, or any particular hymns you would like if you are having a service. It’s your funeral and we will do our utmost to make it memorable for your family and friends. Please feel free to use our funeral wishes to note down any special requests you may have. Let your family know where you keep it so when the time comes they can take comfort in knowing your wishes can be followed.

You can pay in full at inception or using flexible payment terms, you have the option to pay for the plan over 15 years.

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.

The money in the plan will go to the Funeral Director to cover all their costs and the allowance used towards any 3rd party fees (Disbursements).

When you purchase a funeral plan you will receive a full welcome pack in the post. Within this welcome pack is a clear guide for your loved ones to follow.
In short, they contact the 24-hour helpline to notify us of the death along with the plan reference number, which will be on your plan certificate (also included in the pack).

From there, the Funeral Director will take care of everything according to the particulars of the plan purchased. The Funeral Director will be there to help guide your loved ones through all the arrangements to ensure a compassionate and caring funeral.

You have 21 days to cancel your plan from the date you took out the plan. If you cancel the plan after more than 21 days then there will be a cancellation charge (Please see Terms and Conditions for full cancellation policy).

Should you pass away before all your instalment payments have been made your family/representatives will need to pay the balance of the plan price (together with any Funeral Director costs which may already have been incurred) before the Funeral Director is instructed.

Looking for cover?

We have a range of options to help you protect your family’s future. There is no cash-in value at any time.

Request a callback:

Ready to get cover?

Would you like to speak to one of our advisers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer by submitting the form below.

How much cover will you need?