Prepaid Funeral Plans – Secure and Transparent with Mulligans Funeral Service

At Mulligans Funeral Service, we offer prepaid funeral plans designed to provide financial security, ensuring your loved ones are not left with unexpected expenses. Supported by Ecclesiastical Planning Services Ltd (EPSL), our plans follow all FCA regulations, ensuring the money you pay in advance is protected.

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What’s Guaranteed and What Isn’t?

Our plans cover all funeral director’s fees, which are guaranteed at today’s rates. This ensures the cost of our services will not increase, even if prices rise in the future.

However, third-party costs, such as cremation fees, are beyond our control. While the plan includes a contribution towards these fees at today’s rates, they are not guaranteed. If third-party costs, such as the cremation fee, increase in the future, your family may be required to cover the difference at the time of need. Currently, doctors' fees are no longer applicable, making the plan more straightforward and reducing potential extra costs for your family.

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What’s Included in Our Prepaid Plans?

Our FCA-regulated plans provide transparency and peace of mind by covering:

• Guaranteed funeral director’s fees.

• Transportation and respectful care of your loved one.

• Cremation at a peaceful Cheshire-based crematorium.

• A simple coffin.

• Return of ashes to your family or options for scattering or interment.

Although third-party fees such as cremation costs are only a contribution, we ensure full clarity about what is covered and what may incur additional costs.

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FCA-Regulated and Secure

As of July 2022, all prepaid funeral plans must be regulated by the Financial Conduct Authority (FCA). This means that:

• Your money is protected by being placed in a secure insurance-backed plan.

• The contribution towards third-party fees is held securely, and you can trust that we will deliver the funeral services as outlined​.

• You are protected by the Financial Services Compensation Scheme (FSCS) in the event that your plan provider fails, and you have access to the Financial Ombudsman Service for any complaints or concerns.

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Personalisation Options

Though a direct cremation is a simple service, we believe it should still reflect your personal wishes. You can customise the farewell by:

• Choosing the clothes your loved one will wear.

• Selecting a piece of music to accompany the committal.

• Arranging a webcast of the committal for family members who cannot attend.

• Collection of ashes from our Manchester or Stockport branches, delivery by our staff, or options for scattering or interment.

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Why Choose Mulligans with EPSL?​

By partnering with Ecclesiastical Planning Services Ltd (EPSL), we ensure that your prepaid funeral plan is managed with the highest ethical standards. EPSL is regulated by the FCA and follows strict rules to safeguard your funds.

Key benefits include:

• No health checks are required to apply.

• Flexible payment options are available, including lump sum or monthly instalments.

• The guarantee that your funeral will be carried out in line with your wishes, with transparency about potential additional costs for third-party services.

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Get Started Today​

Planning for the future gives you peace of mind, knowing everything is taken care of. Our team is here to guide you through every step, with clear, transparent information. Contact us today to find out more about our EPSL prepaid direct cremation plans and how we can help you plan with confidence.

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Further Information and Resources

For more information about how Ecclesiastical Planning Services Ltd (EPSL) manages prepaid funeral plans, you can visit their official website at Ecclesiastical Planning Services | Funeral Plans

Additionally, to learn more about how prepaid funeral plans are regulated and protected by the Financial Conduct Authority (FCA), please visit the FCA Funeral Plans Regulation Page.