What is a Funeral Plan?
It’s not an easy topic to bring up; what would you like for your funeral? Most people tend to try and move the subject on because they find it uncomfortable and upsetting. However, if you plan in advance for your funeral, not only can you ensure all your wishes are taken care of, you can make sure the financial considerations are too. This takes a huge burden off the ones you leave behind as well as giving them peace of mind that you get the send-off you wanted.
Why you need a Funeral Plan?
Covering the cost of a funeral can often be a huge financial problem for your loved ones and can sometimes come quite unexpected. Not many of us have thousands of pounds to hand to cover the costs involved with a funeral and it can often lead to those left behind having to shoulder a large cost that they cannot afford. By making both practical and financial provision for your funeral before the time comes, you can take comfort knowing everything will be taken care of.
Benefits of choosing a funeral plan through Relaxed Retirement
Comprehensive range of plans to suit all budgets.
A generous allowance towards 3rd Party Fees (Disbursements)*
Clear and concise as to what is and what is not included in plans
Local Funeral Directors
Guaranteed acceptance – no medical required
Fully guaranteed – even as prices rise there will be nothing more to pay for the services included in your plan
Your money is safe in a Trust
You can tailor your plans to make them personal to you
Repatriation service for you and your family and friends (not included in plan)
Competitively priced and flexible payment options to suit you
*except for the Ceremonial Plan, which has been designed for those on a more limited budget so covers for all the Funeral Directors costs and a service, but not the 3rd party Fees (disbursements)
Relaxed Retirement have a range of different Funeral Plans offered through Capital Life; from a very simple cremation to an elaborate send-off with limousines for those with a large family and friends. Furthermore, we can tailor the plans to ensure you get the funeral you want. At Relaxed Retirement we are very clear and open about what is included and what is not in our funeral plans.
Not sure if you can afford to pay for a funeral plan? We offer a range of plans to cater for all budgets, as well as flexible payment options, making it easier for you to manage the cost.
The plans we offer are:
The Simple Plan – Starting from £13.56 per month*
The Ceremonial Plan – Starting from £19.84 per month*
The Traditional Plan – Starting from £31.15 per month*
The Royal Plan – Starting from £33.98 per month*
The Imperial Plan – Starting from £37.12 per month *
*All monthly instalments are calculated based on a £500 deposit and a flat 5.9% Supplemental Charge for each year of the Plan calculated on the Plan Price and charged each month as part of the instalment payment.
Frequently asked questions
Below you will find the answers to any questions you may have regarding our products and services. If you need more details on anything or want to talk to a friendly member of our team, contact us directly.
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.
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.
Capital Life can help you make the necessary arrangements to sort out repatriation of your loved one. The cost of bringing the deceased home varies depending on where they passed away, but you can take comfort in the knowledge that Capital Life will do their utmost to help with their repatriation service.
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 the 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.
Yes, monies can be put towards a Church service, or a particular venue to have a celebration after the funeral, and any refreshments, entertainment or other special requests you may have.
The money you pay towards your plan is held in a totally independent secure trust fund. Your money is protected until it is needed.
Relaxed Retirement & Capital Life work with the National Funeral Service (as well as other Funeral Directors) to ensure we have nationwide coverage, including Southern Ireland, of local reputable Funeral Directors, to whom we will allocate your plan. This way, we know the quality we strive for will be met and that your funeral will be carried out according to your plan. Should you wish to nominate your own chosen Funeral Director we cannot guarantee that they will be able to carry out the specified plan and there may be additional costs for your loved ones, but we can see what we can do at the time.
At Relaxed Retirement, we hope you will be more than pleased with the service you receive and the funeral you have purchased, but should you change your mind 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 (see Terms and Conditions for full cancellation policy).
Third Party fees (also known as disbursements) are costs that are necessary for a funeral to take place but are not included in the services provided for by a Funeral Director. The 3rd party fees include any fees payable to doctors or a Coroner for the issue of death or cremation medical certificates, or Coroner’s certificates, the cremation or burial/internment fees and the Minister/Celebrants fees to perform the service at the Crematorium/Cemetery/Graveside.
Third party fees can vary widely between different Crematoriums/burial sites/ministers etc and circumstances of death. So, Capital Life offer a generous allowance, which will go towards these specified fees. If at the time of death, the allowance is insufficient to cover these aspects then there may be additional costs to pay by you or your representatives.
Yes, we can still carry out the funeral arrangements. As long as the deceased is still at the hospice, hospital or at home We can arrange take care of everything. This applies to the Traditional, Royal or Imperial plans only. Our partners, Capital Life will require Payment in full for an immediate funeral though.
No medical is required to take out one of our Funeral Plan.
Yes, subject to you paying additional monies to go towards your wishes this is possible with some plans. You can also use the Funeral Wishes form to note down all your special requests (hymns, readings, attire etc) that you would like your loved ones to follow.
In general, burial is more expensive than cremation and it varies according to where you want to be buried also. Plots and memorial stone costs can vary widely in price also.
When you purchase a funeral plan through Relaxed Retirement you will receive a full welcome pack in the post from Capital Life. 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.
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.
Any other questions?
Drop us a line and our friendly experienced advisors will do our best to answer your questions.
Get in touch with our expert team today for a no obligation chat.
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