W C Littleproud prepayment schemes

Pre-Payment Plans

Pre-Arrangement &
Pre-Paid Funeral Plans

Frequently Asked Questions

Enquiry Form

Pre-Arrangement & Pre-Paid Funeral Plans

Some people wish to make their funeral arrangements in advance, easing the burden on
those left behind.

For this reason, we are able to discuss your requirements with you and keep a confidential record of the relevant details for future reference.

wcl pre payment brochure Please click on the image to see our Pre-Payment Plan brochure

Arranging & Paying for a funeral in advance is thoughtful, sensible, convenient
and secure.

Why should we think about paying for our own funeral?

Many people wish to provide for their funeral expenses and a funeral prepayment plan is a caring, sensible and cost effective way to do so. The advantage of a prepayment plan over a savings account or life insurance policy is that you can pay now, at today’s price, and beat inflation – no matter when the service might be required. The funeral director’s fees will be paid out of a Trust Fund when the funeral has been provided.

"Most of us, as we get older, expect to provide the money to meet our funeral expenses. It’s to do with independence and responsibility: leaving everything in order for our relatives and friends. We don’t often talk about it – because there is no need to – but the fact is that funerals cost money, and we want to take care of the cost.'

The Advantage of a Prepayment Plan

"It’s the sensible thing to do, and very easy. I would recommend it to anyone."

A prepayment plan has the following practical benefits:
  Funeral Planning Authority  Golden Charter Logo  

Questions & Answers

Here are some of the questions you might want to ask, but please call us if there is anything else you would like to know about the plan.

Is there an age limit or health restrictions?

No – you can purchase a plan at any age and in any state of health, but please see the note on instalments below.

Can I pay by instalments?

Yes, there are a range of options – please ask for details. Payment by Instalments usually costs more than a single payment because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part-paid.

Can I buy a plan for someone else?

Yes, please mention this on your application – we will need the name, address and date of birth of the person to be covered but we will send all correspondence to you.

What if funeral costs increase?

Funerals like anything else, are affected by inflation and the cost of a funeral will almost certainly increased before you need one. However, once you have purchased a prepayment plan, the funeral specified will be provided for you when it is needed without any further charge to you or your family (but please refer to the note on ‘disbursements.’)
This is one of the most important benefits and why it has become so popular with our clients in recent years.

Does the plan include Disbursements?

Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctor’s fees for a cremation certification and minister’s or church fees – these fees are know as ‘disbursements’. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed. The amount included for disbursements will be stated on your funeral plan certificate and will be increased annually in line with the Retail Price Index. You can include a larger, or smaller, contribution towards disbursements if you wish – please ask if you need advice on this point.

What if I move home?

If you move, you can transfer your plan to a Funeral Director in that area. Funeral costs vary from one area to another and you will be advised of any difference in cost at that stage.

What if I die away from home?

We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively, we can quote for the extra cost involved.

What if I change my mind later?

If you change your mind within the first month of receiving your plan documents you can return them for a full refund – with no questions asked. If you cancel your plan at a later date, your refund will be subject to an administration charge (please refer to terms of sale).

Do you pay interest?

No. A guaranteed funeral plan is not a savings account – it is a simple way of paying in advance for the funeral service. As the value of the Trust increases over the years, so the money available to pay the Funeral Director will increase to compensate for rising costs.

How do I know the money will be safe?

All payments are made directly into a Trust Fund for the secure deposit of funeral pre-payments. The accounts of the Trust Fund are monitored annually by independent actuaries and check by independent auditors. The payment for the funeral can only be withdrawn from The Trust when the service has been provided or if the plan is cancelled.

‘Everything is designed to make things as easy as possible for your family and friends.’

Your Funeral Guarantee
Within 28 days your Funeral Plan Provider will send you a Funeral Plan Guarantee Certificate confirming your plan details. For instalment plan customers, your payment plan will be confirmed and the guarantee certificate will be issued when the final payment is received. The plan comes complete with practical information for your relatives or executor on what they should do at the time of the funeral, your personal wishes for the funeral and where your important documents are kept. Everything is designed to make things as easy as possible for you family and friends. A full copy of the Code of Practice is available on request. This plan complies with the requirements of the Financial Services and Markets Act 2000.

‘Purchasing a funeral plan gives me peace of mind, knowing that all the arrangements are made and paid for. Now I can get on with my life.’


Enquiry Form

Please note that completion of this form does not put you under any obligation to purchase a Plan.

Your information will be treated with the strictest of confidence. We do not share on or sell personal information with any other companies.