The Insured Funeral Plan.

Ensure that your funeral costs are taken care of today

The Insured Funeral Plan will cover the costs of a traditional cremation funeral, helping to take away the stress from your family at a very emotional time. It also offers 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 560 experienced funeral directors – many of whom have served their local communities for generations.

• More than 425,000 people have taken out a funeral plan with Dignity
• In 2010, Dignity conducted 64,500 funerals in the UK^*. 

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.

*Source: Dignity Annual Report and Accounts 2010

The Insured Funeral Plan:

• Guaranteed acceptance with no medical or health assessment when you apply
• Covers the cost of a cremation funeral, as specified in the plan, after two years
• Reassurance that your insured funeral plan is keeping pace with inflation
• Receive a £50 M&S voucher if you apply before 31 March 2012

How it works

• When you take out a Insured Funeral Plan you agree to 'charge' your plan to Dignity. Charge is the legal term, which means your plan value is paid directly to Dignity.
• The plan’s cash value starts at £3,145 and is reviewed each year 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 RPI and how does it work?.
• Your premiums will increase by 1.5% for every 1% increase in your plan's value (in line with RPI). 
• You can choose to decline this annual review at any time. If you do your plan's 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 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 benefit will be paid. Terms and conditions apply. Please refer to the section titled 'What exactly does accidental death benefit mean' in the Policy Summary for details.
• Depending on how long you live the total premiums paid could be greater than the cash sum paid out on death.

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Whats's included in the Insured Funeral Plan?