Why choose a funeral plan?

A funeral plan is a simple and practical way to plan and pay for your funeral in advance. You can have all your wishes clearly laid out in the plan, removing the uncertainty and stress for your family. Furthermore, by pre-paying for your funeral you can save your family worry and expense and really help to make things simple and easy at a difficult time.

First Line Protect offer a selection of plans to suit those who want a very simple funeral to those who wish for a more elaborate send off. You can also personalise your plan to include those extra special touches that make us all individuals.

Benefits of a pre-paid funeral plan

Guaranteed Acceptance

There is no need for a medical and you can take out a funeral plan at any age. You can take out a plan for a partner, parent or friend too

Peace of mind for you and your family

Once you have purchased your plan there will be nothing more for your family to pay for the services included in your plan

Protect against unexpected costs

Funeral costs are rising, over the last 15 years the average cost of a funeral has increased by 130%*. By purchasing a funeral plan today you pay no more for the services in your plan

Make your send off a celebration of your life

First Line Protect offer a wide range of extras to your plan so you can create a funeral that is personal to you; a fitting tribute to your life

Payment options to suit you

We offer a number of ways to pay for your plan. You can pay in a lump sum, or you can pay over a number of years in a way that is affordable to you

Personalise your own funeral

We all like to do things differently and be individual, and planning for a funeral is no different. Whilst some of us don’t want any fuss, others will want to plan for their funeral, maybe having a large send-off, stating exactly how they want the day to go. Furthermore, the tone of funerals also seems to be changing; more and more loved ones are marking the day as a “celebration of life” rather than mourning.

Our different pre-planned funerals allow for designated services and reduce the financial and emotional burden on those left behind. However, we can cater for those who have special requirements, maybe a church or religious service? Or a big party to celebrate the life of a treasured family member? Maybe you loved a particular type of flower and you want them to be on your coffin, or for some birds to be released? Or a gun salute? All your wishes can be recorded and then passed on to your friends and family. You can leave a sum of money in order to carry out these wishes, so that your family doesn’t have to find the money in a difficult emotional time.

Church service
Order of service cards
Willow wicker coffin
Special flowers
Knees up at a local favourite pub/bar
Personalised coffin
Executive Limousine(s)
Release of birds
Wish balloon release
Horse and carriage
Burial at sea
Refreshments at a choice of venue
Champagne reception at your family home

Why choose First Line Protect?

First Line Protect specialise in providing a broad spectrum of products and services to ensure you get value for money from your investments, insurance, financial solutions and much more.

We take great pride in our customer care and our dedicated team will help guide you through the different options you have when considering a funeral plan, so you can make an informed choice that is right for you. We are here to listen and make sure all your wishes are taken care of, with respect and dignity, and when the time comes we will be there to guide your loved ones, taking away the stress by assisting them through every step.

Protection from rising costs of funerals

Unfortunately, funeral costs in the UK are rising every year, and are projected to carry on rising. Should they continue to increase at the same rate as the last 15 years then by 2024, the average funeral will cost £5,285*. Just putting money aside may not cover even the basic costs, and that is where a funeral plan can really help.

By choosing a funeral plan now we secure the cost of the Funeral Director’s services at today’s prices, so it doesn’t matter when you pass away the cost remains the same and will cover everything as laid out in your plan. Choosing a plan is simple and First Line Protect have a range of plans to suit everyone and a range of payment options too.

The monies for the fulfilment of your funeral plan are paid into a trust. Your loved ones will have nothing more to pay towards the services included in the plan you choose.

“Reduce the financial and emotional burden on your loved ones”

Frequently Asked Questions?


Why take out a First Line Protect Funeral Plan?

There are many reasons for taking out a funeral plan, but the main ones are to ensure that your wishes are known and followed, your loved ones do not have to shoulder the burden of the costs of a funeral and with the costs of funerals on the rise year after year, taking out a pre-paid funeral plan, freezes the costs now, protecting your loved ones from escalating costs.


What are third party fees or Disbursements?

Third Party fees (also known as Disbursements) are costs that are necessary for a funeral to take place but are not included in the services provided for by a Funeral Director. The third party fees include any fees payable to doctors or a coroner for the issue of death or cremation medical certificates, or coroner’s certificates, the cremation or burial/ internment fees and the Minister/Celebrants fees to perform the service at the Crematorium/Cemetery/Graveside. Third party fees can vary widely between different crematoriums/burial sites/ministers etc and circumstances of death. So First Line Protect includes a generous allowance with the Traditional, Royal, Imperial and Majestic funeral plans, which will go towards these specified fees. If at the time of death the allowance is insufficient to cover these aspects then there may be additional costs to pay by you or your representatives.


Can anyone have a funeral plan?

Normally anyone who is over 18 years old can apply for a funeral plan, and we can guide you through a range of plans to suit everyone’s needs and budget. You can also buy a plan for someone else, such as a loved one or close friend. Furthermore, no medical is required to take out a First Line Protect Funeral Plan.


A loved one has just passed away. Can I take out a funeral plan to take care of the funeral arrangements?

Yes, we can still carry out the funeral arrangements. As long as the deceased is still at the hospice, hospital or at home First Line Protect can take care of everything. This applies to the Traditional, Royal, Imperial Plans or Majestic Plans only. First Line Protect require payment in full for an immediate funeral.


A relative already has a plan with First Line Protect but has died abroad. Can you bring them home?

First Line Protect can help you make the necessary arrangements to sort out repatriation of your loved one. The cost of bringing the deceased home varies depending on where they passed away, but you can take comfort in the knowledge that First Line Protect will do their utmost to help with their repatriation service.


Can I pay for extras to my plan later?

Yes, you can choose a variety of optional extras when you first take out your plan, as well as at any time later. Just call one of our helpful advisors on 0800 411 8683 who can discuss the various options available to you. You can also specify any personal requests you may have, such as a particular type of flower for your wreath, or any particular hymns you would like if you are having a service. It’s your funeral and we will do our utmost to make it memorable for your family and friends. Please feel free to use our funeral wishes form on our website www.capitallifefuneralplans.co.uk to note down any special requests you may have. Let your family know where you keep it so when the time comes they can take comfort in knowing your wishes can be followed.


Where does my money go? How do I know it is safe?

At First Line Protect Funeral Plans, monies for the fulfilment of your plan are paid into an independent secure Trust Fund and are released at the “time of need” to give you peace of mind knowing your family and loved ones will have nothing more to pay towards the services included in the plan you chose


I’ve bought a funeral plan, what should my family do when I pass away?

When you purchase a funeral plan from First Line Protect you will receive a full welcome pack in the post. Within this welcome pack is a clear guide for your loved ones to follow. In short, they contact the 24-hour helpline to notify us of the death along with the plan reference number, which will be on your plan certificate (also included in the pack). From there the Funeral Director will take care of everything according to the particulars of the plan purchased. The Funeral Director will be there to help guide your loved ones through all the arrangements to ensure a compassionate and caring funeral.

If you have any futher questions, please call First Line Protect on 0800 689 0426 to speak to one of our knowledgeable advisors today

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