Funeral Plans

With funeral costs rising far in excess of the annual rate of inflation, it is an unfortunate fact that for many families budgeting for a funeral by traditional means may no longer be sufficient to cover the cost.

According to the Sun Life Cost of Dying Report 2016, average funeral costs have almost doubled over the last 10 years rising from just over £2,000 in 2006 to almost £4,000 in 2016. The report also predicts that by 2021, the cost of an average standard funeral will be in the region of £5,400.

Beneficial Trust & Will Company, working in partnership with Silver Clouds Later Life Planning Ltd, guarantee that no matter how long our plan holders live, or however expensive a funeral is when they pass away, there will never be anything further for those left behind to pay towards the funeral directors fees and services.

Why offer a Beneficial Trust & Will Company Funeral Plan?

As an adviser you will have access to a wide range of options for your clients to choose from. All Plans are transparent and clear on what they cover and provide the level of coverage the client wants, and they are quick and easy to put in place.

For your clients, then by offering a Funeral Plan via BTWC they will benefit from:

  • Peace of mind
  • Personal choice
  • Security
  • Quality of service
  • Affordability
  • Flexibility


You can read our Funeral Plan FAQs here we put together with Silver Clouds to answer some common queries.

To start offering the BTWC Funeral Plan range to your clients, just complete the BTWC FP Introducer Agreement (Consultants).

An overview of our Plans

The table below provides an at a glance summary of the different plan options and what each includes. Though they all cover cremation in their standard form, each (with the exception of the Direct Cremation and Your Simplest) can also be tailored for burial.

Our range is divided into 2 categories - Basic Plans and Inclusive Plans.

Basic Plans (exclude disbursements/3rd party fees allowance):

Designed for those whose budget is limited but who wish to still make some provision to reduce the financial and emotional burden that their funeral might place on those left behind.

Inclusive Plans (include disbursement/3rd party fees allowance):

Designed for those wanting to secure the greatest possible protection against funeral expenses, our inclusive plans not only guarantee the funeral directors services but they also include a generous allowance towards disbursements/3rd party fees.

Basic Options Inclusive Option
Silver Bronze Gold Platinum Diamond
£2,250 £1,750 £3,340 £3,575 £3,850
Professional Advice and Services yes yes yes yes yes
24 Hours Service yes yes yes yes
Home Visits yes yes yes yes
Collection of the deceased (within 40 miles) yes yes yes yes yes
Care of the deceased in Funeral Home yes yes yes yes yes
Simple coffin yes
Standard dignified coffin yes yes yes
Quality upgraded coffin yes
Viewing in chapel of rest yes yes yes yes
Transportation to chosen crematorium yes
Funeral Procession from home or Funeral Home to the Crematorium yes yes yes yes
Funeral procession from home to the church service yes yes yes yes
Funeral Directors attendance yes yes yes yes yes
One Limousine yes
Two Limousines yes
Hearse and 2 bearers yes yes
Hearse and 4 bearers yes yes
Minister or Celebrant fees yes yes
Cremation fees yes yes yes yes
Return of cremated remains yes yes yes yes yes
A dedicated online memorial page including on-line donations yes yes yes yes yes


Here's what your clients can expect to receive:

  • Guaranteed to receive all the funeral director’s fees and services at todays prices
  • Money is held securely in a specialist trust fund
  • The plan can be tailored to suit particular tastes and preferences
  • We offer a wide range of flexible payment terms (including an interest free option)
  • No restrictions on current health, age or medical history
  • 99% of customers have expressed complete satisfaction with the levels of guidance and support provided


Beneficial Trust & Will Co  also offers what we call an 'Either, Or' option, meaning your client can buy a funeral plan but leave it un-named so that it can apply to any member of the family. All funeral plans can be tailored to suit particular tastes and preferences... from the big things, like whether or not it's a cremation or burial... to the smaller things, like the choice of music or flowers.

Any funeral plan can be changed or upgraded at any time, and should a client move home, it is transferable to any area within the UK at no extra charge.

Our Funeral plans operate in partnership with Silver Clouds Later Life Planning Ltd registered in England and Wales under company no: 10301031


Want to know more?

Contact Us  and we’ll send you a free information pack


Contact us to find out how you can add Estate Planning services to your portfolio, just complete the form below or call us on 01522 500823.

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