Welcome to Funeral

Planning Services

Funeral Planning Services & Funeral Planning Trust have been
taking care of funeral prepayments since 1995

Protection for Prepaid Funeral Plans

Funeral Planning Services and Funeral Planning Trust have been taking care of funeral prepayments since 1995.

Thousands of people hold a plan administered by Funeral Planning Services and backed by Funeral Planning Trust, usually purchased through a local independent funeral director or a will writer.

Funeral Planning Trust closed to new business in April 2017.  All new funeral plans are handled by Ecclesiastical Planning Services Limited – if you wish to buy a new plan please click here for details: www.funeralplans.co.uk

Funeral Planning Services administers the plans held in Funeral Planning Trust: collecting instalment payments, recording address changes, paying refunds if plans are cancelled and, most importantly, paying for funerals.

If you have an enquiry about the administration of an existing plan please contact us. If you want to discuss whether your plan is right for you please contact the funeral director or will writer you purchased it from. If you have any questions about the security of Funeral Planning Trust this website contains all the relevant information. If you wish to cancel your plan please refer to the Questions & Answers section below.

FPS 1995 Limited trading as Funeral Planning Services.  Company registration number 3064932. Registered office: Flint House, Ipswich Road, Long Stratton, Norwich NR15 2TA

For Plan Holders and Their Families

A funeral prepayment plan enables you to choose the type of funeral you want and pay for the funeral director’s services in advance.  The funeral director named on the Funeral Plan Guarantee certificate will provide the services specified when required without further charge.  When the funeral has been provided Funeral Planning Services withdraws money from Funeral Planning Trust to pay the funeral director.  Every Funeral Planning Services client has a schedule showing what is included in his or her plan.

It should be noted that the funeral plan guarantees only the cost of the funeral director’s services. Many plans also include a contribution towards related expenses such as cremation or burial fees and minister’s fees (known as “disbursements”) but these costs cannot be guaranteed.  If the actual cost of disbursements required is more than the contribution included in the plan, the difference will be payable at the time of the funeral.

Questions and Answers

Can I buy a new plan for myself, or for a friend or relative?

We no longer sell new funeral plans.  You can buy one from your funeral director or direct from Ecclesiastical Planning Services – please click here for details:  www.funeralplans.co.uk

How do I finish paying for my funeral plan?

If you have already started a plan and you are paying for it by monthly instalments you can continue to do so for the agreed payment period.  If you change your bank please contact us for a new standing order form.

If you want to pay the outstanding amount in one payment please contact us to check the amount.  You can pay the outstanding amount by cheque (payable to Funeral Planning Trust) or by direct bank payment.  We cannot accept payments by debit or credit card.

What if I change my address?

If you change your address it is essential that you inform us without delay.  Please use the change of address form in your customer pack or you can download one from this website.

This is very important if you move to a new area not covered by the funeral director named on your funeral plan guarantee.  We may be able to arrange a new guarantee with a different firm but please note that it can take up to 28 days to arrange and there may be a difference in the plan cost, so please let us know as soon as possible. We are not able to arrange a new guarantee with a different firm after the plan holder has died.

Can I cancel my plan?

You have the right to cancel your plan at any time and receive a refund equal to the amount you have paid less the original plan administration charge noted on your Funeral Plan Guarantee certificate or (for part-paid plans) your Instalment Plan Confirmation certificate.  Please use the cancellation form in your customer pack, or you can download one from this website, or you can simply return your Funeral Plan Guarantee certificate (or Instalment Plan Confirmation certificate) to us by post with a short note but, whichever way you choose, the cancellation instruction must be signed by the plan holder. If you have an old “Reply Paid” or “Freepost” envelope in your customer pack these were intended for new plan applications or customer surveys and are now out of date – you can still use the envelope if you add a 1st or 2nd class stamp, otherwise it will not be delivered.

What if the plan is not used?

If someone who had a plan dies but the plan is not used we will treat this as a cancellation and pay a refund to the plan holder’s executors.  Please note that we are not authorised to pay the refund to friends or relatives, or to any other funeral director than the one named on the guarantee certificate.

Can I get a copy of the full terms & conditions?

There should be a copy of the Funeral Planning Services Terms and Conditions in your customer pack but you can also download them from this website.

Useful Information Leaflets

There should be a copy of each of these leaflets in your customer pack but you can also download copies here:

Cancellation Form

Change of Address Form

Terms and Conditions

My Wishes for the Funeral

My Important Information

What to Do When Someone Dies

Regulation of Funeral Plans

Funeral prepayment plans purchased in the UK are regulated by the Financial Services & Markets Act 2000.

Funeral Planning Services is registered with the Funeral Planning Authority which monitors plan providers and maintains a set of Rules and a Code of Practice for Prepaid Funeral Plans – click here for details funeralplanningauthority.co.uk

If you have a complaint about Funeral Planning Services please contact Funeral Planning Services in the first instance. If we are not able to resolve your complaint you may be able to refer it to the Funeral Planning Authority.

Financial Update

Statistics and asset valuation at the end of the last financial year,

31st March 2019

Number of current plans (fully-paid): 51,071
Number of part-paid instalment plans: 757
Number of payment plans completed during the past year: 490
Number of funerals paid for during the past year: 3,802
Number of plans cancelled during the past year: 122

Type and Value of Funeral Planning Trust Assets

Equities £  50,200,000 (26%)
UK Government fixed-income bonds £  47,800,000 (25%)
UK Government index-linked bonds £   1,200,000 (1%)
Corporate fixed-income bonds £   91,600,000 (48%)
Corporate index-linked bonds £   0 (0%)
Other investments £   2,000,000 (1%)
Cash (excluding part-paid instalments) £   0 (0%)
Total assets held for fully-paid plans £    192,800,000
Cash held on deposit for part-paid instalment plans £    2,229,982
Average assets held per fully-paid plan £    3,775
Average cash held per part-paid instalment plan £    2,946

Trustees & Professional Advisers

Managing Trustees

N Taylor was appointed in 1995 and is a retired Funeral Director and a Director of FPS 1995 Limited

R Humphrey was appointed in 2009. Prior to his retirement Mr Humphrey was Chief Executive of Age Concern Norfolk.

B Goodfellow was appointed in July 2013 and is a retired solicitor with wide experience of trusts and pension schemes.

M Peters was appointed in July 2013. Prior to his retirement, Mr Peters was a Fellow of the Institute of Actuaries.

G Williams was appointed in 2018 and is Chairman of FPS 1995 Limited.

Custodian Trustee

Apex Corporate Trustees (UK) Limited 

6th Floor, 125 Wood Street, London EC2V 7AN


Investment Managers

LGT Vestra LLP

14 Cornhill London EC3V 3NR



Oliver Wyman

Thorncroft Manor Thorncroft Drive Leatherhead, KT22 8JB



MHA Larking Gowen

King Street House 15 Upper King Street Norwich NR3 1RB


For Funeral Directors

How to report the death of a plan-holder


If you have a number of clients with plans in Funeral Planning Trust you can register with the FPS Funeral Director Portal, which is accessible at any time.  Please contact us to obtain a user ID and password.

By email

You can use our contact form below, alternatively our email address is info@funeralplanningtrust.co.uk  Please ensure that you include your name, as well as the customer’s full name and the plan number.

By telephone

You should have a “Funeral Director’s Customer Record” for each plan, which includes a schedule of what is included in the plan and our contact telephone number.  We are unable to answer calls on demand but please leave a message on the answerphone and we will get back to you.

By post

Our address has not changed but please be aware that the old “Reply Paid” or “Freepost” envelopes (previously used for plan applications and customer surveys) are now out of date as we no longer have a marketing contract with Royal Mail. They can still be used but only if you add a 1st or 2nd class stamp.

Contact Funeral Planning Services

If you have any questions about an existing plan please speak to your funeral director or  email Funeral Planning Services info@funeralplanningtrust.co.uk

FPS 1995 Limited trading as Funeral Planning Services

Registered in England, number 3064932
Registered office: Flint House, Ipswich Road, Long Stratton, Norwich  NR15 2TA