Keeping your money safe

How your money is safeguarded

All plan holder funds are safeguarded until needed. Here’s how:

Single & Fixed Term Payment Plans

Just like other big funeral plan providers in the UK, we use a Trust to safeguard the funds needed to meet funeral expenses

Whether you’ve paid in a single lump sum or over a fixed number of instalments, then your money will be placed into a secure, independently managed Trust

When the money is needed for a cremation, the Trust requires an invoice, proof of death and 2 Trustee signatures to allow the funds to be released to pay for it

Continuous Payment Plans

Your monthly payments are used to purchase a ‘whole of life’ policy from Scottish Friendly, one of the largest mutual life companies in the UK which has been around since 1862

The insurer can only make a payment under the plan to provide the planholder’s funeral or provide a customer refund. If the firm is in default then payments will be made to the customer, their next of kin or another party based on the findings of the Financial Services Compensation Scheme

Family walk.

All of our plan holders receive the same level of care from Pure Cremation Limited's lovely people

Plan holders’ money is kept safe until it is needed

How the Trust works - when the cremation is needed the Trust requires Pure Cremation Ltd (who deliver the Pure Cremation) to provide an invoice and proof of death before 2 Trustees sign to release the funds to carry out your plan.
The Trust is managed by independent trustees and reviewed every year by an independent expert to ensure there are always sufficient funds available for your cremation
The Trust abides by the Financial Services & Markets Act 2000 (Regulated Activities) Order 2001 Chapter 14
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A Trust with 117.0% funding

At the last review on 31/12/22, the Trust had a very healthy surplus, with a funding level of 117.0% calculated on a best estimate basis, meaning that the Trust has more than enough funds  to cover the costs of all plan holders’ cremations as promised. The Trust surplus is monitored monthly by both the Trustees and the Board of Directors to ensure this strength is maintained.

To see a summary of the Trust’s solvency position please click here.


Meet the Trustees

The Trust is managed by four Trustees

Stephen Crewe

(Independent trustee)

Consultant and Retired Magistrate

Simon Gunson

(Independent trustee)

Former R&D Vice President for FTSE 100 company

Stuart Owen

(Independent trustee)

Previously MD of Barclays Global Investments Ltd

Bryan Powell

Founder of Pure Cremation Group Ltd

The Trustees have three principal responsibilities:

The appointment of a qualified, FCA registered investment manager to look after the funds placed into the Trust – this is Oberon Investments Group plc

The appointment of a suitable funeral provider to carry out plan-holders’ wishes – this is Pure Cremation Ltd

Overseeing the management of the Trust to ensure that funeral expenses can be met and producing the annual report


Free Funeral Plan guide

Request our complete guide today - explore whether a Pure Cremation Plan is right for you and discover the different payment options available. If you would like to request an audio version, please call us.

Get in touch. We’re only a phone call away

Our lovely people will help you get started and answer any questions.

0800 033 7737

For a prepaid funeral plan from Pure Cremation Funeral Planning Ltd

Mon-Fri: 8:30am-6pm, Sat: 9am-5pm, Bank Holidays: 10am-4pm.


To arrange a funeral with Pure Cremation Ltd

Lines open 24 hours, 7 days a week.