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Pre-Paid Funeral Plans

At Melia Powell Family Funeral Care we are pleased to offer funeral plans from Ecclesiastical Planning Services.

Offering funeral plans through Ecclesiastical Planning Services allow us to create a bespoke funeral plan tailored exactly to your wishes. This is the ideal choice for those taking the time to take advantage of our “Record of Wishes” service or seeking something a little different from the ordinary.

For a free no obligation discussion please call a member of the Melia Powell Family team on 01274 567110 or email us here.

The Advantages of a Prepayment Plan


  • You can choose your funeral arrangements for your own peace of mind;
  • You will save your family from having to make difficult decisions trying to guess what you would want that such a distressing time;
  • To avoid rising funeral costs with an inflation proof guarantee of the funeral directors charges;
  • Financial security -the funeral payment is held in funeral planning trust until it is needed;
  • The service will be provided by your local funeral Director;
  • There is no health age limit and there are no awkward health questions;
  • You can make one single payment or pay by monthly instalments whichever suits you;
  • All enquiries and arrangements are treated in confidence;
  • Compliance with the Funeral Planning Authority Code of Practice and the Financial Services Markets Act 2000

Questions and answers

Here are some of the questions you might want to ask but please call us if there is anything else you would like to know about the plan

What if I move home? If you move you can transfer your plan to a Funeral Director in that area. Funeral costs vary from one area to another and you will be advised of any difference in cost of that stage

Can I buy a plan for someone else? Yes please mention this on your application – we will need the name and address and year of birth of the person to be covered but we will send all correspondence to you.

What if I change my mind later? If you change your mind within the first month of receiving your plan documents you can return them for a full refund with no questions asked. If you cancel your plan at a later date your refund will be subject to an administration charge (please refer to the terms of sale).

Is there an age limit or health restrictions? No – you can purchase a plan at any age and in any state of health but please see the note on instalments.

How do I know my money will be safe? All payments are made directly into a national fund established for the secure deposit of funeral prepayments. The accounts are monitored annually by independent actuaries and checked by independent auditors. The payment for the funeral can only be withdrawn when the service has been provided or if the plan is cancelled.

Do you pay interest? No. A guaranteed funeral plan is not a savings account. It is simply a way of paying in advance for the funeral service. As the value of the trust fund increases over the years, so the money available to pay the Funeral Director will increase to compensate for rising costs.

Can I pay by instalments? Yes, there are a range of options – please ask for details. Payment by instalments usually costs more than a single payment because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part paid.

What if the cost of funerals increases? Funerals, like everything else, are affected by inflation and the cost of a funeral will almost certainly increase before you need one. However once you have purchased a prepayment plan the funeral specified will be provided for you when it is needed without any further charge to you or your family (but please refer to the note on “disbursements”). This is one of the most important benefits and why it has become so popular with our clients in recent years.

What if I die away from home? We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bring you back home if necessary. Alternatively we can quote for the extra cost involved.

Does the plan include disbursements? Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctors’ fees for a cremation certificate and ministers or church fees – these fees are known as “disbursements”. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed. The amount included for disbursements will be stated on your funeral plan certificate and will be increased annually in line with the Retail Prices Index. You can include a larger, or smaller, contribution towards disbursements if you wish – please ask if you need advice on this point.

How do I purchase a plan?

Purchasing a plan is easy and only takes a few minutes to deal with:

  1. Discuss your wishes with your Funeral Director, who will calculate the plan price;
  2. Choose whether to make a single payment or, if you prefer to pay by instalments, decide over what period (up to five years);
  3. Give your application form to your Funeral Director together with a cheque for the full amount or the first instalment (you will receive a banker’s order form to cover the remaining payments). Please do not send any cash in the post.

“I am so glad it has all been settled. It really is a weight off my mind.”

For a free no obligation discussion please call a member of the Powell and Family team on 01274 567110 or email us here.

Funeral Plans – a Code of Practice

Our prepayment plans are covered by the Code of Practice of the Funeral Planning Authority, which sets out to ensure:

  • Fair terms and conditions for the customer;
  • Security of funds – with strict controls over the custodianship of funds and regular monitoring by independent experts;
  • A procedure for the independent arbitration of complaints

A full copy of the code of practice is available on request.

This plan complies with the requirements of the Financial Services and Markets Act 2000.

About Melia Powell & Family Funeral Directors

We offer affordable excellence. That means we will really listen to your needs, advise and guide you, and provide you with the very best funeral care you need at a family affordable price.

We are a Christian family yet celebrate diversity and are very experienced at celebrating the life of someone irrespective of any or no religious beliefs.

Finally, whatever service or style of funeral is right for you, we guarante to make it perfect for you on the day. Nothing is too much trouble and we will carry you through all your difficult times.

Testimonials & Reviews

(see all of our latest testimonials here)

Dear Brian,

Just a quick email to congratulate you and your team, for what I perceived to be a thoroughly professional and well executed funeral yesterday - it was exceptionally well organised, there was real care and commitment evident, and you were all a pleasure to work with!

Many thanks and well done... You are all welcome back anytime.


Garry H

Revd Garry AF Hinchcliffe
Team Rector of Knaresborough & AsstDDO

Our Offices

Head Office

Melia House, Bradford Road
Sandbeds, Keighley, BD20 5LY
Telephone 01274 567110

Keighley Office

111-115 Cavendish Street
Keighley (town centre), BD21 3DG
Telephone 01535 280402

Bradford Office

25-27 Westgate,
Bradford, BD1 2QL
Telephone 01274 567110

Crematoria We Serve

Yorkshire & Lancashire

* A surcharge may apply since these councils charge a higher fee