Insured Funeral Plan.

Insured funeral plan

Take care of your funeral costs today

The Insured Funeral Plan is designed to cover the cost of a traditional cremation funeral if you die after one year, helping to take away the stress from your family at a very emotional time. It also offers some reassurance if you're concerned about rising funeral costs. So if you want a plan that keeps up with the cost of inflation, this could be just what you're looking for. What's included in our Insured Funeral Plan?

Your family will be in good hands

We’ve teamed up with Dignity to bring you the Insured Funeral Plan. They’re one of the UK’s leading providers of funeral services, with a network of over 630 experienced funeral directors – many of whom have served their local communities for generations.

When the time comes your family will only have to make one phone call to Dignity to set your plan in motion. Your loved ones can rely on their expertise to ensure your funeral goes just the way you planned and they will be treated with all the care and compassion they deserve.

The Insured Funeral Plan at a glance:

  • Guaranteed acceptance for UK residents aged 50 to 80
  • No medical or health assessment
  • Covers the cost of a traditional cremation funeral, as specified in the plan, after one year

How it works

  • When you take out an Insured Funeral Plan you agree to charge* your plan to Dignity.
  • The funeral value starts at £3,369 and is subject to an annual review. The plan is reviewed in line with the change in the Retail Prices Index (RPI). This ensures the Insured Funeral Plan will always keep up with inflation rises year on year. What is RPI and how does the annual review work?
  • Your premiums will be reviewed each year and will increase by the change in RPI multiplied by 1.5.
  • You can choose to decline this annual review at any time. If you do the plan value and premium will remain fixed. The value of the plan will still be paid to Dignity when you die, but only as a contribution and may not cover the full cost of the funeral services in the Insured Funeral Plan.
  • If you die within the first year from natural causes all the premiums paid will be returned. However, if you die as a result of an accident, then the full plan value will be paid. Terms and conditions apply. Please refer to the section titled 'What exactly does accidental death mean' in the Insured Funeral Plan Policy Summary (PDF: 131KB) for details.
  • Depending on how long you live the total premiums paid could be greater than the plan value paid out on death.
  • You need to pay the premiums until you die. However, if you reach your 90th birthday you stop paying premiums, but your cover will continue, including being reviewed in line with the change in RPI, every year for the rest of your life, as long as you haven’t previously declined the annual premium review.
  • This is not a savings or investment plan and has no cash value unless a valid claim is made.

*By accepting the charge you agree that we, Legal & General, will pay the cash sum payable on your death direct to Dignity rather than your estate


Insured Funeral Plan

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Insured Funeral Plan FAQs

Useful questions and answers designed to help you with the Insured Funeral Plan.

What's included in the Insured Funeral Plan?

Our funeral plan includes the necessary arrangements needed to provide a traditional cremation funeral. Find out what's included in the Insured Funeral Plans.

Why choose Dignity?

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.