Capital Life Funeral Plans

Compare Capital Life Funeral Plans

So, what types of plans do Capital Life offer, and how do these plans compare to the market?

As with any financial decision, we recommend that you carefully consider your needs and all of the options that are currently available across the market. We can help you with this process.

Capital Life offer two categories of funeral plan; their Classic range and the top of the range Majestic options.

The Capital Life Classic Plans

Capital Life offer five classic plans, which are: The Simple Plan, The Ceremonial Plan, The Traditional Plan, The Royal Plan and The Imperial Plan. These funeral plans have competitive pricing, and they all include different service offerings, so it’s essential to understand the details.

We are happy to help you with any specific questions.

The Capital Life Simple Plan

The Simple Plan is Capital Life’s lowest-cost option for covering the costs of a simple cremation without a service.

The Capital Life Simple Plan includes:

• Funeral Director collecting the deceased
• Preparation of the deceased before the cremation
• Simple coffin with veneer
• Fees for the crematorium
• Transportation for the deceased to the crematorium
• Support and guidance for every step of the funeral process, including registrations and certifications
• Return of the ashes to a nominated representative
• Coroner and doctor fees relating to certificates

The Capital Life Ceremonial Plan

Capital Life’s Ceremonial Plan includes some additional benefits when compared to the Simple Plan; however, it does not include the fees for third parties, known as disbursements. That means that you or your loved ones will need a separate financial arrangement to cover any expenses related to the doctor or Coroner, for the cremation or burial, and any Minister services.

The features of the Ceremonial Plan include:

• All fees relating to the Funeral Director
• Transporting the deceased to the Funeral Home or the Chapel of Rest
• Preparing the deceased for burial or cremation
• Veneer coffin with personalisation
• Visits to the Chapel of Rest at agreed times
• Support and guidance for every step of the funeral process, including registrations and certifications
• Flexibility to agree a funeral date with the Funeral Director
• A funeral procession including a hearse, four pallbearers and a conductor

The Capital Life Traditional Plan

The Capital Life Traditional Plan offers the benefits of the Ceremonial Plan along with allowances towards the fees for third parties.

The Traditional Plan includes the following benefits:

• Third-party fees allowance, which can go towards:
  • Doctor or Coroner fees relating to certification
  • Burial or cremation fees
  • Funeral service
  • Minister or Celebrants fees
• Funeral Director’s services and fees
• Transporting the deceased to the Funeral Home and the Chapel of Rest
• Preparing the deceased for burial or cremation
• A quality veneer coffin with personalisation
• Visits to the Chapel of Rest at agreed times
• Support and guidance for every step of the funeral process, including registrations and certifications
• Flexibility to agree a funeral date with the Funeral Director
• A funeral procession including a hearse, four pallbearers and a conductor

The Capital Life Royal Plan

The Royal Plan is Capital Life’s most popular option, and it provides some higher quality choices and greater flexibility than the Traditional Plan.

The Royal Plan includes the benefits of the Traditional Plan plus:

• A choice of higher quality coffins
• Supply of a quality veneer coffin that is suited to cremations and burials
• Choice of starting point for the funeral procession
• One limousine to transport funeral attendees

The Capital Life Imperial Plan

The Imperial Plan is Capital Life’s top of the range classic funeral plan.

The Imperial Plan has the benefits of the Traditional and Royal Plans as well as:

• A superior quality coffin that is personalised
• Two limousines

The Two Capital Life Majestic Plans

Capital Life have two high-end funeral plans that offer further opportunities for personalisation and higher fee allowances. The two premium plans are called The Capital Life Majestic Plan Cremation and The Capital Life Majestic Plan Burial.

The Capital Life Majestic Plan Cremation

The Majestic Plan Cremation provides the features of the Imperial Plan plus:

• A choice of urns
• A wreath for the funeral procession
• List of everyone who contributed flowers
• Up to 100 copies of the Order of Service
• Framed picture for the procession
• £500 allowance towards options at the service such as special flowers, a choir, doves etc

The Capital Life Majestic Plan Burial

The Majestic Plan Burial has the same features as the cremation plan but in a burial context. Rather than a choice of urn, this plan includes a personalised memorial such as a headstone. In some cases, Capital Life provide a cash allowance towards this.

Have Capital Life Funeral Plans got good customer feedback?

At the time of writing this review, Capital Life has very few customer reviews available online. It has an average score of 3.4 out of 5 on Trustpilot comprised of one positive review from someone who could be a customer and a negative review from someone who claims to be an introducer. In both cases, Capital Life have replied to the comments.

At this time, we would recommend that Capital Life invest more time in encouraging their customers to leave feedback on independent review sites, so that prospective customers have an insight into the experiences of existing customers.

What happens if I take out a Capital Life Funeral Plan?

Once you have signed up to a plan with Capital Life, they will send you a welcome pack with all the critical information about your funeral plan. This pack contains a guide that gives your loved ones clear step-by-step instructions when the time comes, as well as a certificate that confirms your plan details.

If you take out a plan with Capital Life and then change your mind, they give you 21 days from the date that you purchase the funeral plan to request a full refund. If you cancel after this period, then Capital Life will charge you a cancellation fee which you can find specific details of in the Terms and Conditions of your policy.  

We recommend that you read the Policy Terms and Conditions carefully for all plans so that you fully understand what the plan does and doesn’t cover.

Where do Capital Life keep their clients’ money?

Capital Life protect your money by keeping it in a Trust Fund that is separate from the company’s funds.

An Independent panel of Trustees manages the fund. The Trustees receive advice and services from a range of specialist companies including Rowanmoor, HSBC, Investec, Spencer Gardner Dickins, and BBS Law.

Do Capital Life offer guarantees?

Capital Life do not offer any specific guarantees, but their plans do fix the cost of funerals at the date you purchase a policy with them.

Are Capital Life registered with the Funeral Planning Authority (FPA)?

At the time of writing, we can find no details of a registration for Capital Life Funeral Planning Ltd with the Funeral Planning Authority.

What payment options are available?

Capital Life provides customers with a range of payment options:

• A single payment, covering the full cost of the funeral plan
• A range of instalment plans with terms up to 180 months. Under these plans, at the time of writing, you secure the specific instalment plan with a deposit of £500. An additional fee of 5.9% is due for each year of the plan. Capital Life includes this fee in your monthly premium.

What if I have a complaint with Capital Life?

If you have a complaint with Capital Life, then the quickest way to resolve this is likely to be by calling their customer service line on 0800 411 8683.

Alternatively they have ‘contact us’ functionality on their website at https://www.capitallifefuneralplans.co.uk/contact-us/

Capital Life’s Registered Office address is:

3 Coventry Innovation Village

Cheetah Road

Coventry

England

CV1 2TL