The questions and answers below may help you with the Insured Funeral Plan. If you have any further questions, please do not hesitate to contact us.
If you're aged between 50 and 80 and a UK resident, and you reside in the UK for at least 183 days per year, you're guaranteed to be accepted.
As the plan has no cash value you will get nothing back if you decide to cancel the plan after the first 30 days. If you cancel the plan within the first 30 days we will refund any premiums paid.
If you die within the first two years of the plan from natural causes we will not pay the benefit, but we will return all premiums paid. However, if you die as the result of an accident then the full benefit will be paid. Exclusions and limitations will apply. Please refer to the section titled 'What exactly does accidental death mean' in the Policy Summary PDF for more details.
After we have received your application you have 30 days to change your mind. A cancellation notice will be sent once the plan has started confirming your right to cancel. If you decide to cancel your plan we will return any premiums paid. You can cancel your plan after the 30 day cancellation period, but as the plan has no cash value you will not get any money back.
Dignity are one of the UK's leading providers of funeral services. They have a network of over 600 funeral directors in towns and cities across the UK - many of whom have served their local communities for generations. They ensure all their funeral services are individually arranged and unique to the families concerned.
Each year we will review your premiums and benefit to make sure they keep up with the cost of living.
You can choose to decline the annual review when we write to you each year, but please be aware that if you decline, inflation will reduce the value of your plan. You will not be able to restart the increases later if you decline the review and your plan benefit will remain fixed at the value at that time.
The Retail Prices Index (RPI) is used as a measure of inflation. It measures the changing prices of everyday household goods and services like food and energy bills. It shows how the cost of living rises over the years.
Yes, you can remove the legal 'charge' if you change your mind. If you do, please call us and we will inform Dignity that the 'charge' is to be removed from your plan. In this instance, the plan benefit will be paid to your estate if you die. Dignity will no longer provide the funeral services that you would have arranged with them. Therefore, the cash sum that is paid out when you die may not cover the costs of your alternative funeral arrangements.
The plan does not guarantee to cover the costs of a burial funeral. It's designed to cover the costs of a traditional cremation funeral. However, we understand that everyone is different and if you prefer to have a burial then the plan will provide a contribution of £1,150 towards the burial costs.
If a burial is your preferred option, the Doctor’ Medical Cremation Certificates, Ministers or Officiant’s fee and the Cremation Fee, referred to as ‘Cremation third party costs’ in the Policy Summary PDF, would not be covered by the plan.
Instead the contribution of £1,150, which will rise in line with inflation, is put towards these costs and other third party costs associated with burial, such as plot fee etc. If the burial third party costs are more than this contribution amount, the difference would need to be paid by your personal representatives at the time.
When the time comes, your funeral organiser will need to make one phone call to Dignity who will appoint an approved Dignity funeral director. They have a network of over 600 funeral directors around the UK. To contact Dignity please call them on 0800 151 3789 - they are available 24 hours a day. Calls may be recorded and monitored.
You can usually find your sort code on a bank statement or cheque book. It will usually have six digits in the format of xx-xx-xx. If you still can't find it, call your bank and they will be able to help.
You can usually find your account number on a bank statement or cheque book. It will usually have eight digits. If you still can't find it, call your bank and they will be able to help.
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Visit our Contact Us section for useful telephone numbers, email and postal addresses.
The Insured Funeral Plan will cover the cost of a traditional cremation funeral. It's also reviewed each year in line with the change in the Retail Prices Index to keep pace with inflation.
Our funeral plan includes the necessary arrangements needed to provide a traditional cremation funeral. Find out what's included in the Insured Funeral Plans.
Dignity are one of the UK's leading providers of funeral services, that's we've teamed up with them to bring you the Insured Funeral Plan.