Here are answers to some frequently asked questions about the Age UK Funeral Plan.
Q. How can I arrange my funeral the way I want it?
A. There is a choice of three prepaid funeral plans available, with different services, so you can choose how you want your funeral to be. Any special requests, such as a favourite hymn or reading can be added as part of your application. If you request flowers or other elements that may incur a cost you can pay a contribution towards it at the time of purchase or your Funeral Organiser would have to pay for those services at the time of the funeral.
Q. Can I choose my Funeral Director?
A. Dignity have a network of over 1,300 caring, professional and trusted Funeral Directors that provide services for all three funeral plans. When you take out a plan you will be allocated the nearest Funeral Director to you, or you may select one from Dignity's approved list.
Q. How will my Funeral Organiser know what to do when the time comes?
A. It takes just one telephone call from your Executor or appointed person to put your funeral plan into action. Everything they need to know is in the Funeral Organiser Pack provided with your Planholder's Pack.
Q. Does it take long to arrange my funeral plan?
A. No, it's a very quick and simple application process. You can purchase it over the phone, online or by post. You will receive your Planholder's Pack in the post within 14 days.
Q. Are there any restrictions?
A. Acceptance to the Age UK Funeral Plan is guaranteed whatever your state of health and there are no age limits, as long as you are aged 50 or over.
Q. What if I change my mind once I’ve taken out a plan?
A. The Age UK Funeral Plan offers a 28-Day Money-Back Guarantee. If you change your mind within that time, you’ll get a full refund of the money you have paid in. You can still cancel after 28 days, but there is a £95 cancellation fee, which is the lowest cancellation fee on the market.
Q. Who looks after the money I pay into the plan?
A. The funds for your funeral are held in the Trust for Age UK Funeral Plans. The money is safely held in the Trust Fund and is not lent to any organisation or any individual.
Q. Am I covered if I want a burial and not a cremation?
A. The plan helps to take care of a burial funeral too because the Funeral Director's services that are included in the plan are guaranteed. It also includes a contribution of £1,200 towards burial costs and minister's fees, which is guaranteed to rise each year in line with the Retail Price Index (RPI). This is one of the highest contributions available, and not all funeral plans offer any contribution towards burial costs.
Q. What happens if funeral costs go up dramatically?
A. The plan guarantees to cover the full cost of the Funeral Director’s services, minister’s fees and the cremation fee, as set out in the plan, regardless of how far in the future it is needed or by how much costs have risen. Not all providers offer this guarantee. Once you have taken out a prepaid Age UK Funeral Plan, these costs are frozen and guaranteed never to increase. No matter when the plan is activated, you will still receive the same high-quality service you would expect today.
Q. What happens if I die before I have finished paying all the monthly instalments?
A. If you die before all of the instalments have been paid, the funeral will be provided in accordance with this Agreement. However, your Personal Representative will be responsible for paying the outstanding instalments due, at the time of the funeral.
Q. Can I see the Terms and Conditions of the Funeral Plan?
A. Yes. Download the Age UK Funeral Plan Terms and Conditions (PDF 325KB).
Q. What if I move address?
A. If you move address in the UK, an alternative Nominated Funeral Director will be appointed to you, if appropriate. However, if you wish to remain with the original Nominated Funeral Director, but they are no longer in your local area, an extra mileage fee may be incurred for the use of Funeral Director’s vehicles.
Q. Am I able to have an eco-friendly funeral or coffin?
A. Please call the customer service team on 0800 022 3243 to discuss eco-friendly funeral services and coffins available in your area.
Q. Can I take out a joint plan?
A. Either complete two personal arrangements forms and each take out a plan, or you can pay an extra administration fee of £75 to a single plan with both your names assigned to it. A joint plan will hold your individual requests, but will be put into action solely on behalf of one of the Planholders only. Call for more details.
Q. Can I take out a funeral plan for someone else?
A. Yes‚ as long as they are aged 50 or over. Just follow the simple instructions on our application process.