Arranging and paying for a funeral in advance

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A pre-arranged funeral plan is a simple and straightforward way of removing worry and can provide financial and practical help for your loved ones.

The advantage of a pre-payment plan over a savings account or life insurance policy is that you fix our direct costs and make a contribution towards third party costs in advance. Please refer to our Terms and Conditions for more information. Our plans are administered by Ecclesiastical Planning Services which ensures every penny of your funeral pre-payment is ring-fenced until a funeral is required.

Most of us, as we get older, expect to provide the money to meet our funeral expenses. We’re not morbid. It’s to do with independence and responsibility. Leaving everything in order for our relatives and friends. The fact is that funerals cost money, and we want to take care of the cost“.

The Advantages of a James McMullan and Son Pre-payment Plan

Our funeral plans have the following practical benefits:

  • You can choose your own funeral arrangements, for your own peace of mind.
  • You will save your family from having to make difficult decisions, trying to guess what you would have wanted, at such a distressing time.
  • Avoid rising funeral costs with an inflation proof guarantee of the Funeral Director’s charges.
  • Funeral costs are rising nationally.
  • The funeral plans we offer give you exceptional financial security for your money. Every penny of the full value of the plan (excluding the initial management fee) is held securely in a whole of life assurance policy with a life assurance company that is regulated by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). The money is made immediately available at the time of need and the funds cannot be used for anything other than your funeral
  • You can choose a set plan or we can tailor every detail exactly as you want it.
  • The Plan can be purchased with a once-only payment or by instalments – whichever suits you best.
  • You will help to reduce the financial burden on your loved ones
  • The service will be provided by us, an independent funeral director with an established reputation.
  • Anyone aged 18 or over can take out a plan. There’s no upper age limit and no medical or health questions to answer.

Questions customers often ask about our funeral plan

Funeral costs continue to rise and further increases are predicted in coming years, so it makes sense to make financial provision in advance. The funeral plans we offer guarantee the funeral director’s costs, listed in the plan details as long as your requirements don’t change and we carry out your funeral. The plan can also include a allowance towards third party costs such as fees for cremation or burial, medical fees and payment to a minister or officiant.

This is the most important benefit of the James McMullan and Son Funeral Plan, and why it has become so popular with our clients in recent years.

Each plan usually includes a contribution towards other expenses, such as cemetery or crematorium fees, newspaper notices and minister’s or church fees etc – these fees are known as “disbursements”. This is intended to cover most if not all of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed. If these costs are not covered by the plan value at the time of need, there will be a balance to pay.

You can include a larger (or smaller) contribution towards disbursements if you wish – please ask if you need advice on this point.

Funeral pre-payment plans are provided by Ecclesiastical Planning Services which is part of the Ecclesiastical group. Ecclesiastical has been protecting people, property and funds since 1887 and Ecclesiastical Planning Services is a registered provider of the Funeral Planning Authority and adheres to its Code of Practice and high professional standards. The funeral plans we offer give you exceptional financial security for your money. Every penny of the full value of every plan (excluding the initial management fee) is held securely and ring-fenced to pay for your funeral for your peace of mind.

No. A funeral plan is not an investment or an insurance policy – it is simply a way of paying in advance for the funeral service. As the value of the Funeral Planning Trust increases over the years, so the money available to pay the funeral director will increase to compensate for rising costs.

Funerals are not subject to VAT so you don’t have to pay VAT on your plan. However, if a future government does introduce VAT on funerals, Funeral Planning Services will advise you of the options.

Yes. Please mention this on your application – we will need the name, address and date of birth but we will send all correspondence to you. All instructions are treated in confidence.

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

Each plan includes removal, either within Northern Ireland or a specified radius to our premises. We strongly recommend that you take out travel medical insurance when you go on holiday, which should include the cost of bringing you back home if necessary.

If you leave Northern Ireland we can transfer your plan to another funeral director. Funeral costs do vary from one area to another, and you will be advised of any change in cost at that stage.

If you change your mind you can cancel your plan at any time. Please be aware however that you can only receive a full refund if you decide to cancel your plans within the first 30 days of taking out your plan. If you decide to cancel your plan after the first 30 days, you will receive a refund of the original cost of the plan excluding the initial management fee.