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Prepaid Funeral Plans

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Prepaid Funeral Plans - Frequently Asked Questions

If you have any questions about our Prepaid Funeral Plans, please do not hesitate to give us a call. Our expert Funeral Plans team are available 24 hours a day, 7 days a week to answer any questions you have.

Alternatively, we have listed answers to the questions we are more commonly asked below.

Simplicity Cremations Prepaid Funeral Plans

What is a funeral plan?

A Funeral Plan is a way to pre-arrange the funeral you want and pay funeral costs in advance, at today’s prices. It allows you to reduce the financial burden on your loved ones and relieves them from having to make many of the difficult decisions about your final send off.

What does a Simplicity Cremations Funeral Plan include?

A Simplicity Cremations Prepaid Funeral Plan covers the essential elements for a simple funeral including cremation fees, a simple wood effect coffin, collection from the place of rest 24 hours a day in our specialised vehicles, care at our mortuaries, and the return of your ashes. For more information, take a look at our choice of Prepaid Funeral Plans.

What does a Simplicity Cremations Funeral Plan not include?

- Any Doctor’s fees & Coroner’s fees.
- Embalming, memorial or headstone, flowers, catering/wake
- Viewing of the deceased / chapel visits
- Dressing the deceased in their own clothing or placing personal effects in the coffin
- A hearse
- Limousine for family/mourners
- Funeral procession from home/funeral home to a service location as the deceased will be transported directly to the crematorium on the day of the funeral
- Repatriation from outside mainland Great Britain
- Costs for removing artificial limbs and mechanisms such as pacemakers
- Costs associated with changes in regulations, tax, laws or generally accepted practice, which result in additional costs or affect the conduct of the funeral
- Co-ordination of any flowers or tributes and managing collection and payments of any charitable donations (although your family can organise this if the Orchid Plan is selected)

Prepaid Funeral Plan Terms & Conditions

Will my money be safe?

The money you pay for your Simplicity Cremation Prepaid Funeral Plan goes into the The National Funeral Trust, where it is held securely and managed carefully to make sure that the services in your plan are covered. The Trust is independently managed by some of the UK’s most respected investment companies, so you can be sure it will be properly protected. This allows us to guarantee that no matter what happens, there will always be sufficient money within the Trust Fund to honour our agreement with our Planholders.

Who are the FPA?

The Funeral Planning Authority (FPA) was set up to regulate providers in the UK prepaid funeral plan industry, to ensure providers that are FPA registered are operating in a manner will mean the customers get the funeral that they have paid for when they need it. In order to safeguard customers, the FPA states that all registered funeral plan providers must place the client’s money in a whole of life insurance policy on the life of the Planholder, or place monies in a trust. Read more about The Funeral Planning Authority.

Why should I take out a funeral plan?

Taking out a Prepaid Funeral Plan allows you to make important decisions about what you and your family want from the funeral. Once it’s paid, we will not request a penny more for the services included in the Plan, so you’ll have complete peace of mind, knowing you have prepared financially.

Taking out a Funeral Plan will also help save your loved ones the worry and stress of making all the funeral arrangements at such an emotional time because they will already know what you wanted and an expert funeral arranger will be there to guide and support them every step of the way.

My funeral wishes are included in my will, why do I need a prepaid funeral plan?

Wills are often left unread until after the funeral so it can be difficult to ensure your wishes are passed on.

I have savings and life insurance, will this not cover the costs of my funeral?

With funeral costs rising year on year, you may find that your savings and life insurance aren’t enough to cover the cost of a funeral.

By taking out a Simplicity Prepaid Funeral Plan, you can freeze funeral costs at today’s prices, so no matter how much they rise, so you can guarantee there will be no more to pay for the funeral services covered in the plan when the time comes.

What happens if funeral costs rise in future?

A funeral plan is designed to cover the costs of your chosen funeral package even if prices go up in future. So, you can be sure there will be no ‘hidden costs’ further down the line for the services covered by your plan.

I like the sound of a Simplicity Cremation, but I’m not ready to commit to a prepaid funeral plan, how can I share my wishes?

If you’re thinking about a Simplicity Cremation for yourself, but you’re not ready to buy a funeral plan yet, our share your wishes form might be for you.

What happens to my plan if you go out of business?

As an FPA registered provider, our finances and procedures are independently reviewed by the Authority. It is a requirement for registered providers to place the funds paid for the funeral plan into an independently managed trust fund or a whole of life insurance policy.

The money you pay for your Simplicity Cremations Prepaid Funeral Plan goes into the National Funeral Trust, where the funds required for your funeral are held securely and managed carefully to make sure that the services in your plan are covered. The Trust is independently managed by some of the UK’s most respected investment companies, so you can be sure it will be properly protected.<

As part of the Dignity group, one of the UK’s most respected group of funeral directors, even in the unlikely event that the Trust is unable to cover the funeral plan costs, we should be able to meet the promises made to the Planholder.

Can I see the Terms and Conditions of the Funeral Plan?

 

Buying and paying for a Simplicity Cremations Funeral Plan

Can anyone take out a Simplicity Cremations Funeral plan?

Anyone aged 50 or over can take out a Prepaid Funeral Plan from Simplicity. There are no upper age limits. There are no health or medical questions.

How can I purchase a prepaid funeral plan?

There are three easy ways you can purchase a Simplicity Cremations Prepaid Funeral Plan: 

- Buy online in a few simple steps
- Request a free guide and complete the application form included
- Call us on 0800 484 0531

 When your plan has been set up, we'll send you a Planholder pack and a Funeral Organiser pack in the post to share with your next of kin.

How do I pay online?

It’s easy to arrange your Prepaid Funeral Plan online and we use the latest security technology to protect your payments. If you choose to make a single payment, you can use either a credit or debit card. Alternatively, you can take advantage of one of our flexible payment options by setting up a Direct Debit.

Do I have to pay all at once?

No, we offer a range of flexible payment options so you can choose to pay for your funeral plan in the most convenient way for you, whether that be a single payment, over 12 months at no extra cost or over up to 120 monthly instalments.

If I choose to pay by instalments, what options are there?

You can spread the cost of your Funeral Plan over 12 months, at no extra cost.

Longer fixed terms are also available provided that all payments over any term longer than 12 months are completed by the 80th birthday of the person named on the plan and the instalment term does not exceed the maximum term available.

Plans purchased over a period greater than 12 months will incur an additional fee. This charge is needed to make sure the money paid into the Trust Fund can increase in line with Inflation during the term of the Plan and means that we can still provide the guaranteed services in the Agreement, irrespective of when the Funeral Plan is required.

Can I take out a funeral plan on another person’s behalf?

Yes, many of our customers take out a Funeral Plan for their partner, parent or someone else close to them. As long as the person for whom the plan is intended is aged 50 or over, you can take out a Prepaid Funeral Plan on their behalf.

What happens once I’ve applied for a Prepaid Funeral Plan from Simplicity?

If you purchase online you will receive confirmation straight away, your Funeral Plan will be processed and you’ll receive a Planholder Pack in the post within 14 days. You’ll find all the details of your Funeral Plan inside, including instructions about how to implement the Plan and of course, our contact details. We’ll also include a Funeral Organiser pack to share with your next of kin.

 

Cancelling and changing a Prepaid Funeral Plan

What happens if I move house?

Simplicity Prepaid Plans are available throughout mainland Great Britain. If you move house, contact us and we can update our records.

Are there any cancellation charges?

Provided we receive such notification within 30 days of entering into the Agreement, we will refund all the money you have paid within 14 days of us receiving notification of cancellation.

If you wish to cancel the Plan at any time after the stated 30 day Cancellation Period, we will refund all money you have paid, less a cancellation fee of £95, within 14 days of us receiving such notification of cancellation. In the event that the Plan is not used and cancellation is requested after the death of the Planholder we may require additional information from the person cancelling the Plan before we can complete the cancellation.

What happens if there are outstanding instalments at the time of death?

We will provide the service in accordance with the Agreement. However, the Personal Representative will be responsible for paying the outstanding instalments due.

The outstanding instalments must be paid for in full before the funeral takes place.

Need to talk?

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Do you need further support, advice or to discuss our funeral plans in more detail? Our team are available 24 hours a day, 7 days a week.

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