Funeral plans: check your provider is authorised

Did not apply for authorisation and has transferred its plans to Plan with Grace Limited.

If you haven't heard from the firm about the future of your plan, contact them at: 

Memorial Woodlands Earthcott Green, Alveston, Bristol, BS35 3TA 
Email: [email protected] 
Telephone: 01454 414999 

The firm withdrew its application for authorisation and has now transferred its plans to Dignity Funeral Plans Limited.

If you haven't heard from the firm about the future of your plan, contact them at: 
Brooke Court, Lower Meadow Road, Handforth Dean, Wilmslow, SK9 3ND 

Contact the firm if you have any questions about your plan: 
Email: [email protected]
Further information is available on the firm’s website: https://capitallife.com/funeral-plan-regulatory-statement/[5]

Darwen Funeral Services did not apply for authorisation. It has now transferred its funeral plans to Crystal Cremations Ltd. They have written out to all affected consumers. 

For further information, you can contact Crystal Cremations at: 

The Old Mill House, Deakins Business Park, Blackburn Road, Egerton, Bolton, BL7 9RP 

Telephone: 0800 254 5030

Email: [email protected]

Empathy UK Funeral Plans Ltd (Empathy) (which withdrew their application for FCA authorisation) has appointed Jeremy Bennett of O’Hara’s Limited as the administrator.

Empathy has written to all existing customers with details of a transfer that Dignity Funerals Limited are offering to existing Empathy plan holders, or the option of a partial refund. The offer closed on 7 February 2023.

Find out more, including frequently asked questions, on the administrator's website[6].

For further information, please call the administrators on 0800 035 5729 or email [email protected]

We previously issued consumer alerts relating to Empathy on May 2022[7] and July 2022[8].

Eternal Peace Funeral Plans Ltd was refused authorisation (we issued a final notice to the firm on 22 December 2022[9]). The firm did not transfer their book to an authorised provider and has provided refunds to all its customers. 

If you haven't heard from the firm about a refund, contact them at: 

4B Promenade, Bridlington, East Yorkshire YO15 2PX 
Telephone: 0330 311 2570

Did not apply for authorisation. 

See the May 2022[10] consumer alert. 

Firm in liquidation since 28 July 2022. Nigel Morrison and Jon Roden of Grant Thornton UK LLP have been appointed as Joint Liquidators by the director of Fox Milton & Co Ltd (trading as Unique Funeral Plans).

Further information, including FAQs, is available here[11] or you can contact the liquidator at: 

Grant Thornton UK LLP, 11th Floor Landmark, St Peter’s Square, 1 Oxford St, Manchester, M1 4PB 
Email: [email protected] 
Telephone: 0161 953 6906 

Geo. Hanson applied for authorisation on 11 November 2022 and the application has subsequently been withdrawn. We have told the firm that they cannot issue new funeral plans or administer existing plans. The firm has transferred its plans to Golden Leaves Limited. 

If you haven’t heard from the firm about the future of your plan, you can contact them at: 

Telephone: 0115 963 2013
Email: [email protected]

The firm is based in Spain and did not apply for authorisation.

You should not buy a new plan from this firm if you want your funeral to be delivered in the UK.

This advice does not apply to customers outside the UK wishing to buy a plan for a funeral in a country other than the UK.

A small number of the firm's customers have returned to the UK. The firm is contacting these customers to provide a refund or offer alternative arrangements.

Contact the firm at: 

Suite 151 Silk House, Park Green, Macclesfield, Cheshire, SK11 7QJ 
Email: [email protected]

Application for authorisation withdrawn and has transferred its plans to Crystal Cremations Limited.    

If you haven't heard from the firm about the future of your plan, contact them at:  

1-3 Mitchell Lane, Alness, IV17 0QW
Email: [email protected]
Telephone: 01349 880901  

The firm withdrew its application for authorisation and has transferred its plans to Golden Leaves Limited[12], an authorised funeral plan provider. 

If you haven't heard from Golden Leaves about the future of your plan, or have any questions, you can contact them on:

Telephone: 0800 85 44 48 
Email:  [email protected]
The Golden Leaves website[13].

Did not apply for authorisation.

Firm in liquidation since 14 July 2022. Kelly Semke and Duncan Beat of Quantuma are appointed as Joint Liquidators. 

Further information, including FAQs, is available on the Not for Profit website[14], or you may contact the liquidator: 

Email: [email protected]
Telephone: 023 8033 6464 

One Life Funeral Planning Ltd (One Life) was refused FCA authorisation and went into administration on 2 November 2022. The administrators, Quantuma Advisory Ltd, were unable to finalise a deal with an alternative funeral plan provider, but a number of firms have stepped in to offer One Life customers the ability to take out a discounted instalment funeral plan and, in some cases, ‘at-need funerals’.   

The price you pay for your new funeral plan would be discounted against the current advertised retail price with that provider.  

If you have suffered a recent bereavement involving a One Life plan holder, an at-need funeral will be provided, even if your family member doesn’t have existing arrangements or a payment plan with the provider. 

To be eligible for a discounted plan, you'll need to provide your name, postcode, and unique One Life plan reference number. 

Find out which funeral plan providers are offering discounts to One Life plan holders (PDF)[15] and what discount they will offer you. 

Please note that the One Life administrators won’t be able to deal with any questions about the discounted funeral plans and can't recommend any of the providers. Contact the relevant provider for full details of the discounted funeral plans and their availability.

One Life Funeral Planning Ltd (in administration), c/o Quantuma Advisory Ltd, Office D, Beresford House, Town Quay, Southampton, SO14 2AQ  
Email: [email protected]   
Telephone: 0808 178 3018

Did not apply for authorisation. We've told the firm that it can't issue new funeral plans or administer existing plans. 

See the May 2023 consumer warning[16]. 

If you're a customer of Paul Young Funeral Director, your options might include receiving a refund or having your plan transferred to another provider. However, Paul Young’s funeral plans aren't currently backed by assets held within a trust or by an insurance policy. This means that the firm might be unable to immediately provide full refunds to all customers.  

If you haven't heard from Paul Young about the future of your plan, you can contact him at:

Address: 16 High Street, Aston, Askern, Doncaster DN6 0AB; or
KingsGate, Waterdale, Doncaster DN1 3JZ
Telephone: 01302618864, 07729173058
Email: [email protected], [email protected], [email protected]

The firm withdrew its application for authorisation and has appointed Darren Brookes of Milner Boardman as administrator. The firm has written to all existing customers with details of a transfer that Dignity Funerals Limited are offering to existing Pride Planning plan holders, or the option of a partial refund. The offer closed on 7 February 2023.

If you haven't heard from the firm, or have any questions, you can contact the administrators by email at [email protected], or by phone on 0161 927 7788.

Prosperous Life Limited (Prosperous Life) (which withdrew its application for authorisation on 19 August 2022) has appointed Andrew Knowles and Geoff Bouchier of Kroll Advisory Ltd as joint administrators.

The administrators are writing to all existing customers with details of a transfer proposal, which Dignity Funerals Limited (Dignity) is offering to existing Prosperous Life plan holders, or the option of a partial refund.

Prosperous Life can't confirm the exact amount that will be refunded to customers who choose not to transfer their plan to Dignity. But it expects that the amount refunded will be substantially lower than the amount of money paid in. The administrators intend for the company to continue to provide funeral services to plan holders who pass away up to 20 May 2023. If a customer chooses to transfer their plan to Dignity, they will be covered immediately by Dignity.

For more information, please call the administrators on 0800 046 5903 or email [email protected].

Find out more, including frequently asked questions, on the firm's website[17].

Did not apply for authorisation.

Contact the firm at:

Carr Well Swalewood Lane, High Birstwith, Harrogate, North Yorkshire, HG3 2JN

Ready4Retirement (which withdrew their application for FCA authorisation on 21 April) has appointed liquidators, Begbies Traynor. The liquidators have written to all existing customers. Most plan holders have been transferred to an authorised provider, Low Cost Funeral Limited, on the same terms. 

A small number of plan holders will not be transferred due their plans not being insurance-backed. These plan holders have been offered a new, discounted plan with Low Cost Funeral. 

Contact the liquidator on 0141 222 2230.

Rest Assured Funeral Plans Limited (Rest Assured) (which withdrew their application for FCA authorisation on 15 June 2022) has appointed Jeremy Bennett of O’Haras Limited as the liquidator. On 8 February 2023, Paul Cooper Of Begbies Traynor was also appointed as liquidator.

Rest Assured has written to all existing customers with details of a transfer that Dignity Funerals Limited are offering to existing Rest Assured plan holders, or the option of a partial refund. The offer closed on 7 February 2023.

Find out more, including frequently asked questions, on the liquidators' website[9] or contact the liquidators on 08000654514 or email [email protected].

Safe Hands Plan Limited went into administration on 23 March. Ben Stanyon and Nedim Ailyan of FRP Advisory Trading Limited have been appointed as joint administrators.  

Dignity Funerals and Co-op Funeral Care offered Safe Hands customers the ability to take out a new plan at a discounted price. You should have received a letter from FRP (the administrator) providing details of this. 

Find out more, including frequently asked questions, on the firm's website[18] or contact the administrators at [email protected].

Silver Clouds Later Life Planning Ltd (Silver Clouds) (which withdrew their application for FCA authorisation) has appointed Jeremy Bennett of O’Hara’s Limited as its administrator.

Silver Clouds has written to all existing customers with details of a transfer that Dignity Funerals Limited are offering to existing Silver Clouds plan holders, or the option of a partial refund. The offer closed on 31 January 2023.

For further information, please call the administrator on 0345 222 0271 or email [email protected]

The address for correspondence is Moorend House, Snelsins Lane, Cleckheaton, BD19 3UE.

The firm withdrew its application for authorisation and has transferred its plans to Golden Leaves Limited. 

If you haven't heard from the firm about the future of your plan, contact them at: 

Email: [email protected] 

Did not apply for authorisation. We hold no information on this firm or its plans for existing customers as it has not responded to our requests for information.

Contact the firm at:

32 Brenkley Way, Seaton Burn, Newcastle upon Tyne, NE13 6DS 

Did not apply for authorisation.

Contact the firm at:

Unit 4, St John’s House, Haslett Avenue west, Crawley, West Sussex, RH10 1HS 
Email: [email protected] 
Telephone: 0333 444 2211

Withdrew its application.

Contact the firm if you have any questions:

5 Redwood Crescent Peel Park, East Kilbride, South Lanarkshire G74 5PA
Email: [email protected]