In Memory Of Life Funeral Plans
We are a small family run funeral directors with the aim of simplifying the process of arranging a funeral. Our plans are securely held by a third party FCA regulated trust, but delivered by us with the same incredible care and compassion for which we have built our reputation throughout London.
FCA Regulated Trust
Your money will be securely held in an FCA regulated third party trust with our partner Plan With Grace, meaning it will always be protected and safe
Local Funeral Director
The funeral will be arranged by In Memory Of Life directly, providing you with full support and guidance with local knowledge at every stage of the arrangement
Funeral Plan Quote Builder
FSCS Protection For Your Money
Your funeral plan payment is held by an independent FCA certified trust, Plan with Grace, and only comes to us, the Funeral Director, at the time of the funeral. We are an Appointed Representative for Plan with Grace which is authorised and regulated by the Financial Conduct Authority, reference number: 961832. This means your money is protected by the Financial Services Compensation Scheme and is safe in any eventuality.
If 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.
Funeral Plans FAQs
Our Simple cremation plans are available throughout the UK however our Intimate, Traditional or Premium plans are only available throughout the Greater London area. The plans include bringing the body into our care within a 10 mile radius of Greater London.
Unattended cremations for clients will take place at a nominated Crematorium in the UK, with the ashes returned to the family shortly afterwards. Our attended cremations take place at a Crematorium in Greater London. You can express your preference for a specific crematorium within your funeral plan.
Our Simple Plan includes what is known as a direct cremation. This is where the body is cremated privately under the supervision of our team, without family members directly in attendance on the day of the funeral. The ashes are then returned to the family to celebrate and commemorate the person’s life as they choose.
Our Intimate, Traditional and Premium plans include an attended cremation. This is the more traditional route which involves family members attending the crematorium on the day of the funeral for a funeral service in the chapel.
When you purchase a pre-paid funeral plan you fix the price of your funeral or cremation forever which means that your family will not have to pay anymore for what is included in your plan.
Our Simple Funeral Plan also guarantees the cost of the cremation itself from the crematorium, whereas our other plans include a contribution towards this third party cost. If there is a difference between the contribution and the eventual third party cost for the cremation or burial, we will inform the family at the time of the funeral. Other items not included in the funeral plan may include things such as catering and flowers which will need to be paid for separately.
Plan with Grace are our FCA regulated partner who will take care of processing your payment and looking after the money within your funeral plan until it is enacted and arranged by us at In Memory Of Life. As an FCA regulated company, you can rest assured that your money will always be protected and safe for the duration of your plan.
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, Plan with Grace is 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 pre-eminent 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.
David Downie is the Managing Director (SSAS & Actuarial) of WBR Group and has accrued over 30 years of experience in Pensions & Actuarial Consultancy, including holding the IFoA certificate of Scheme Actuary to several Defined Benefit Schemes. David trained under two of the largest consulting actuarial firms and is responsible for all actuarial services provided by WBR Group.
David is a member of the Institute and Faculty of Actuaries Funeral Plans Working Party and has spent the last 2 decades advising Trustees of several Pre-Paid Funeral Plan Trusts, both in their establishment and the ongoing management of the Trusts.
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.
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.
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.
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 5 years and the monthly payments must be completed by your 80 birthday; as an example, this means that if you are 77 years old the maximum term available would be 3 years. There are no medical exclusions and no health checks or questions.
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 from anywhere in mainland UK.
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.