Insured Funeral Plan.

Take care of your funeral costs today

The Insured Funeral Plan will cover the cost of a traditional cremation funeral, 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 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 600 experienced funeral directors – many of whom have served their local communities for generations.

• More than 480,000 people have taken out a funeral plan with Dignity
• In 2011, Dignity conducted more than 62,000 funerals in the UK^*. 

*Source: Dignity Annual Report and Accounts 2011

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 when you apply
• Covers the cost of a traditional cremation funeral, as specified in the plan, after two years
• Reassurance that your Insured Funeral Plan is keeping pace with inflation

How it works

• When you take out an Insured Funeral Plan you agree to 'charge' your plan to Dignity. Charge is the legal term, which means the funeral value is paid directly to Dignity.
• The funeral value starts at £3,369 and is subject to an annual review. The plan is reviewed in line with inflation, which is measured against the Retail Prices Index (RPI). This ensures the Insured Funeral Plan will always keep up with inflation rises year on year. What is the annual review and how does it 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 funeral value and premium will remain fixed at that value. 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 two years of your plan 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 Policy Summary PDF for details.
• Depending on how long you live the total premiums paid could be greater than the plan value paid out on death.
• This is not a savings or investment plan and has no cash value unless a valid claim is made.