Transparent · Structured · Rules-Based

A Life Affairs Registry Built on
Clarity & Discipline

You're not buying a promise — you're joining a framework. Here's exactly how it works, what it costs, and what to expect.

£125 One-time activation fee
£14.99 Per month (Direct Debit)
37+ Months to full eligibility

The Foundation

Membership Overview

LifeRegistry is a structured membership system. You're not buying a promise — you're joining a framework with clear rules, published limits, and transparent governance.

One-time activation fee — £125

Administrative fee covering onboarding and registry entry. Not pooled.

Monthly contribution — £14.99

Pooled with other members to support the Registry and discretionary framework.

What LifeRegistry IS

  • A life affairs registry
  • A pooled, discretionary framework
  • Clear rules & published limits
  • Transparency over promises

What It IS NOT

  • Insurance
  • A funeral plan
  • A savings or investment product
  • A guaranteed payout service

Step by Step

The Membership Process

Simple, transparent stages from activation to eligibility.

01

Join the Registry

Pay the one-time £125 activation fee and accept the Registry Rules. This covers onboarding, verification, and your Registry entry.

Onboarding & verification
Registry entry
Not pooled
No immediate eligibility
03

Eligibility Develops

After a mandatory moratorium, eligibility bands apply — but discretion always remains. Eligibility is never a guarantee.

0–24 mo £0
25–36 mo £3,000
37+ mo £3000

Clear Timeline

Eligibility & Moratorium

All memberships are subject to this published schedule. No surprises.

Membership Period
Eligibility Band
Maximum Cap
Months 0–24
No eligibility
£0
Months 25–36
Partial eligibility
Up to £3,000
Month 37 onwards
Full eligibility band
Up to £3000

Critical to understand: Eligibility does not guarantee a contribution. All payments remain discretionary, subject to Registry Rules and available reserves at the time. Published limits are ceilings, not entitlements.

How It Works

The Pooled & Discretionary Framework

What "Pooled" Means

All membership contributions are combined into a single pooled framework — not held in individual accounts.

  • No individual accounts
  • No personal balances
  • No ownership or withdrawal rights
  • Participation in a structured system

What "Discretionary" Means

LifeRegistry does not promise or guarantee payments. Every contribution decision is considered individually.

  • Considered case-by-case
  • Not automatic
  • May be reduced or declined
  • Depends on available reserves
Maximum discretionary contribution Up to £3000 towards funeral costs · subject to rules & reserves

Your Obligations

Responsibilities & Leaving

Member Responsibilities

  • Understand the Registry Rules before joining
  • Maintain accurate information with the Registry
  • Keep your member records and vault documents up to date
  • Make informed decisions based on published rules

Leaving the Registry

Membership can be cancelled at any time in accordance with Registry Rules.

  • Monthly contributions stop
  • No refunds issued
  • Previous contributions remain pooled
  • No entitlement or claim arises

Is This For You?

Who Membership Is For

Suitable For

  • Individuals who value structure over promises
  • Those who prefer rules over reassurance
  • People who understand pooled systems
  • Those accepting discretion over guarantees
  • Individuals comfortable with published limits
  • Anyone wanting clarity around personal affairs

NOT Suitable For

  • Those seeking guaranteed outcomes
  • Individuals wanting personal savings accounts
  • Anyone expecting individual entitlement
  • Short-term participants seeking immediate benefit
  • Those wanting traditional insurance products
  • Individuals seeking a pre-paid funeral plan

Make an Informed Decision

Before You Join

Prospective members should complete all of the following before applying:

  • Read the Registry Rules in full
  • Review the Pooled & Discretionary Contribution Framework
  • Understand the moratorium period and eligibility bands
  • Accept that no payment is guaranteed
  • Ensure this framework aligns with your expectations

If you're uncertain, take time before applying. There's no obligation to join.

"LifeRegistry operates a pooled, discretionary framework. Membership does not create individual entitlement or guarantees."

"Not insurance. Not a funeral plan. Not a savings product."

"Discretion is central to the model. Limits are published. Expectations are controlled."

Get Started

Ready to Join the Registry?

You've read how it works. If the framework aligns with your expectations, join today and take the first step towards organised peace of mind.

Secure & Private No Long-Term Contract Set Up in Minutes
Become a Member

£125 one-time activation fee + £14.99/month