Your Questions, Answered

The cost of a funeral plan depends on several factors, including whether the funeral will be for a cremation or a burial, will be paid up front or in instalments, and whether attendance will be required. For the lowest priced With Grace direct cremation plan, prices start at £1,440 paid in full, or from £28.58 paid in instalments. Funeral plans can also be purchased from £1,999 for attended cremations. Within these plans you also have the flexibility to add extras to personalise your funeral and plan it exactly how you’d like. Not all of these extra services can be rolled into the cost of your funeral plan, but you can make a contribution which will go towards these services when the time comes. Read our article on understanding funeral costs to find out more.

With a pre-paid funeral plan, you fix the cost of the funeral so your family won't need to pay a penny more.  Anything not included in your plan, like catering and flowers, will need to be paid for separately.

Pre-paid funeral prices are guaranteed not to change.  They include many items that are likely needed at the time of need, compared to a funeral today which increase regularly and the start price does not include any possible items that may be required. A funeral plan protects you against funeral inflation.

A pre-paid funeral is a fixed price for the plan you choose, so will never increase.  The at-need price will go up every year.

A pre-paid funeral means your funeral and ceremony are planned in advance.  At-need funerals are planned at the time of death.

A direct cremation is an unattended cremation.  You will know the date of the cremation in advance so you can celebrate the life of the loved one as you choose.

When you choose to pay for your funeral plan over two or more years, you'll be covered for the full cost of your funeral after 24 months of payments.  This means that if you die after paying the first 24 monthly payments, but before your plan is fully paid, we will still provide all the services included in your plan. The only requirement is that all of your due payments have been made, and there is nothing outstanding from those 24 months.  

Cancellation Period
“Cancellation Period” means any time within 30 days from Funeral Plan’s Start Date (if it is a Payment in Full or in instalments of less than 24 months) or 24 months from the Funeral Plan’s Start Date (if you are paying in instalments of 24 months or more). You may cancel your Funeral Plan by submitting a Cancellation Form to us or contacting us in accordance with clause 13.1.

Cancellation Fee
“Cancellation Fee” means the charge that applies if you cancel your Funeral Plan after the Cancellation Period has ended. This fee is to cover the administration and set up of the Funeral Plan. The Cancellation fee is £250.

Moratorium Period
“Moratorium Period” means the period under an instalment payment Funeral Plan, during which the Company is not obliged to provide, or secure the provision of, a funeral on the death of the covered Planholder. The Moratorium Period is 24 months from the Start Date (or for instalment terms of less than 24 months, the Moratorium period is the length of the instalment term). If the Planholder dies after the Moratorium Period, the funeral will be provided with no further payments due.