What area do you cover?
Plan with Grace serve England, Scotland, Wales and Northern Ireland
Which crematoriums do you use?
Unattended cremations for clients will take place at a nominated Crematorium. Attended cremations will take place at the nearest and most cost efficient Crematorium.
What are your business hours?
If you need to arrange a cremation or funeral now then you can call our team 24 hours a day 7 days a week on 0800 471 4689.
For General Enquiries, Account Enquiries and Pre-paid Plan information please call 9am – 5pm Monday to Friday or email: [email protected]
What's the difference between a direct cremation and a traditional funeral?
A direct cremation is an increasingly popular alternative to a traditional funeral. A direct cremation is an unattended cremation, the cremation date is advised to family so the life of the deceased can be celebrated as the family choose.
Will my family have to pay more?
When you purchase a pre-paid funeral plan you fix the price of your funeral or cremation forever this means that your family will not have to pay anymore for what is included in your plan, however items not included in the funeral plan, such as catering and flowers will need to be paid for separately.
What is the Plan with Grace Promise?
When you choose to pay for your funeral plan over two or more years, you receive the Plan With Grace Promise. This means that if you pass away after you have made the first 24 monthly payments but before your plan is fully paid and your monthly payments are up to date then we will still provide all the services included in your plan.
What if my family want change my plan?
Your plan can be upgraded at anytime for example to an attended funeral instead of a direct cremation. Your family would need to pay the difference in the price of the funeral they upgrade to and the price paid for the funeral plan.
How is my money kept safe?
Just like other funeral plan providers in the UK, we use a Trust to safeguard the funds needed to meet funeral expenses.
Monies are held securely in the Plan with Grace Funeral Payment Trust. The custodian trustee is Apex Group Ltd a global financial services provider. With over 40 offices worldwide and 3,000+ employees, Apex delivers a broad range of solutions to asset managers, capital markets and private clients. The Group has continually improved and evolved its service suite to cover three key pillars: fund solutions, financial solutions and corporate solutions. Apex administers over $650 billion in assets globally. Apex provides a range of trustee services to corporate and private clients through its legal entity, Apex Corporate Trustees (UK) Limited.
Managed by Saranac Partners, an independently owned and operated investment management business that has a London based team of over 50 experienced professionals. These investment professionals have a broad range of experience and expertise drawn from careers with a variety of preeminent financial institutions and family offices. Saranac specialise in managing unconstrained, high conviction portfolios for a variety of ultra-high net worth families and institutions. They focus on absolute returns across the cycle. Saranac Partners are based on St James’s Street in London and they are authorised and regulated by the Financial Conduct Authority.
The trust accounts are produced and audited annually by Kirk Rice; established in 1989, Kirk Rice is a leading independent firm of accountants, tax advisors, and financial advisors with offices in North Hampshire, Berkshire and London.
The actuaries are David Downie a qualified Actuary with over 25 years of experience in Pensions Consultancy; he is responsible for all actuarial and technical services provided by Embark Actuarial including holding the appointment of Scheme Actuary to several Defined Benefit Schemes. Embark Actuarial provides professional and specialist actuarial solutions to trustees and directors or firms. Embark Actuarial is part of the Embark Group. The Embark Group is a fast growing, diversified, financial services business and one of the largest full-scale retirement solutions providers in the UK. Embark Actuarial is a trading name of Embark Investments Limited. Embark Investments Limited is a company incorporated in England Company Number 03383730 and is regulated by the FCA registration number 628981.
Can I buy a funeral plan for my Husband or Parent?
Yes, you can take out a plan for anyone else. All correspondence will be sent directly to the person arranging the plan and confidentiality is assured.
Am I guaranteed to be accepted ?
Yes. There are no age limits to acceptance if the plan is paid in full, should you choose to pay for your funeral plan monthly the maximum term is 10 years and the monthly payments must be completed by your 80 birthday; as an example, this means that if you are 72 years old the maximum term available would be 7 years. There are no medical exclusions and no health checks or questions.
Can I request a local funeral director?
Yes you can, although we cannot guarantee that this nominated funeral director will agree to deliver the services, however we have a network of funeral directors across the UK that have met our approval process that can provide a service local to where you live.
What happens if I would prefer the cremated remains of my loved one sent back to me rather than collecting them?
Included in the price of our plans the cremated remains can be returned to a family member or nominated person on all direct cremation plans and for attended cremations the cremated remains can be collected form the crematorium. For attended cremations there would be an additional charge for the cremated remains to be returned.
What if I want a burial?
A burial funeral plan is provided using our ‘Build Your Own Plan’ service. Please note that the cost of the burial plot is not included in a pre-paid burial plan that is attended. The price of burial plans varies by region because of the huge variation in burial costs across the United Kingdom.
What happens if I die while on holiday or away from home?
If you die abroad, repatriation costs will be incurred. Please check that your normal travel insurance policy covers this; funeral plans do not include repatriation.
If you die on holiday within the mainland of the United Kingdom there are no additional fees, our funeral plans include collection form any where in the mainland of the UK.
How can I pay for my funeral plan?
You can pay for your funeral plan by credit or debit card, or if you are paying monthly, you can also pay by direct debit or standing order.
Can I personalise my plan?
If you choose an attended funeral you can personalise that with your own preferences including readings, songs, hymns, flowers, donations to charity and more. We can also help you to create a completely unique plan to you when you use our Build Your Own Plan service.
What happens if I move?
If you move location, we will place your plan with a newly nominated funeral director local to your new residence.
What are demands and needs?
Demands and needs is a legal term referring to a customers requirements from a product in order to meet their needs and circumstances. Plan with Grace is committed to ensuring we match the right product to your demands and needs and provide you with a demands and needs statement prior to any transaction to ensure your are satisfied with the services included and not included. You will also notice that all our plans clearly state what each plans offers upfront by displaying what is included in a plan and what is not.
