Funeral Plan

Couple smiling outdoors

Save £25 when you buy before 29 March 2015

Lines are open: Mon - Fri 9am to 9pm
Calls may be recorded

The Age UK Guaranteed Funeral Plan helps take care of funeral costs and arrangements in advance. It is simple to arrange and by paying ahead now with a pre paid funeral plan, you're protected against inflation and rising funeral expenses. It is a sensible way to pay for future funeral costs at today's prices.

Save £25 buy before 29 March 2015 Key benefits of The Age UK Guaranteed Funeral Plan:

  • Freeze funeral costs at today's prices.
  • Arranging your funeral now will help save your family worry and money.
  • We guarantee to cover cremation funeral costs, as outlined in the Plan. We can also make arrangements for a burial funeral, please call us for more information.
  • The funds for your funeral will be securely held in an Independent Trust Fund that is separately and expertly managed.
  • You’re guaranteed to be accepted for a funeral plan if you’re 50 or over.

Everyone has been most courteous, charming and helpful. Thank you all. We were dreading 'doing this' but we're now totally delighted and thanks to you all we can now relax.
Mr Menday |

Reasons to choose a funeral plan

Jam jar with funeral savings sticker, pound coins in the jar.

The Age UK Guaranteed Funeral Plan exists because our customers told us they were concerned about rising funeral costs. Many people think they have funeral costs covered by savings, a life insurance plan or other means. But, with funeral costs rising so steeply and interest rates so low, there is no guarantee and relatives may have to make up the difference in cost.

Once paid for, your loved ones will not have to pay any extra towards the Plan, because the Age UK Guaranteed Funeral Plan covers the specified funeral costs and arrangements set out in the pre-paid funeral plan.

See why our funeral plan is the right choice

BenefitsThe Age UK Guaranteed Funeral PlanSavings and InvestmentsOver 50s Life Insurance
Guarantees to fix the cost of the cremation funeral services specified in the Plan Y N N
Freezes funeral costs at today's prices Y N N
Guarantees to beat the rising cost of funerals Y N N
Helps with funeral arrangements, reducing stress and worry for bereaved family and friends Y N N
Support of a nationwide network of trusted funeral directors Y N N
Unaffected by drops in interest rates and rising inflation Y N N
The fund can only be used for funeral costs Y N N
Guaranteed acceptance for people aged 50 or over Y Y Y
No need for any medical or health questions Y Y Y

The Age UK Guaranteed Funeral Plan is provided by Dignity - the UK's leading provider of funeral plans. Dignity is a member of the Funeral Planning Authority, the professional body that oversees the operation of registered funeral plan companies.

Additional benefits

  • Family and friends will not have to make as many difficult decisions and arrangements at an upsetting time.
  • We offer three different pre paid funeral plans, with different levels of funeral arrangements to suit your personal needs and budget. You can also add special requests such as favourite hymns or readings.
  • The funds for your funeral will be securely held in an Independent Trust Fund
  • The option to include special requests or last wishes in your Plan
  • Helps remove the worry about how funeral costs will be paid
  • One telephone call from an appointed family member or friend will put your Plan into action
  • Bereavement counselling is available to your friends and family 24 hours a day

I chose you because I feel I can trust you and know that you care. Now I am going to enjoy the time I have left. Thank you for your help.
Mrs Whitehouse | Age UK Funeral Plan customer, Staffordshire

The rising cost of funerals

People are often surprised to learn just how quickly the cost of funerals have risen. In fact, the average cost of a funeral in 2014 was £3,590^ and this is projected to rise to £4,489^ by 2019.

Good news though, by taking out an Age UK Guaranteed Funeral Plan, you can freeze the cost of the services included in the Plan at today's prices. So, once it's paid you can rest assured that there will be nothing more to pay for those services no matter how far in the future that may be.

Rising Cost of Funerals Graph

Compare and choose your Plan

You have a choice of three Age UK Guaranteed Funeral Plans. Choose from Emerald, Ruby or Sapphire. Remember, you can add your own special requests when you wish.

Compare our funeral plans and choose the right one to suit you

Guaranteed Services
1. Immediate arrangements Emerald Ruby Sapphire
Transport of the deceased to the Nominated Funeral Director's premises within a 40-mile radius (excluding ferry or air fares if necessary) Yes Yes Yes
Care of the deceased before the funeral Yes Yes Yes
 
2. Advice and guidance Emerald Ruby Sapphire
Confidential and sympathetic advice and guidance on all aspects of arranging a funeral Yes Yes Yes
Guidance on registration of death liaising with third parties, clergy, doctors crematoria and burial authorities Yes Yes Yes
Visit to the Chapel of Rest during normal business hours by agreed appointment Yes Yes Yes
Visit to the Chapel of Rest any time by agreed appointment - - Yes
 
3. The coffin
Suitable for cremation or burial
Emerald Ruby Sapphire
Simple coffin Yes - -
Quality wood effect - Yes -
High quality wood veneer/superior finish - - Yes
 
4. Funeral attendance Emerald Ruby Sapphire
Funeral director and staff to attend the service Yes Yes Yes
Vehicles to attend the service:  
- Hearse only Yes - -
- Hearse and limousine - Yes -
- Hearse and 2 limousines - - Yes
Funeral procession to go directly to crematorium or burial site Yes - -
Funeral procession from home to place of worship and crematorium or burial site (costs of service at a separate location before crematorium or burial not included) - Yes Yes
Full listing of floral tributes (cost of flowers not included) Yes Yes Yes
Complimentary thank you cards - Yes Yes
 
5. Bereavement advice Emerald Ruby Sapphire
Confidential telephone advice and bereavement counselling service for your family or friends Yes Yes Yes
 
6. Guaranteed disbursement costs for cremation Emerald Ruby Sapphire
For a cremation funeral the Plans fully guarantee to cover the essential costs of standard cremation disbursements:

- Cremation fee (at local rates)

- Minister's or officiants' fee (as recommended by the Church of England stipend authority)

-Doctors' fees for certificates (as recommended by the British Medical Association)
Yes Yes Yes
7. Burial costs (if this is the preferred option) Emerald Ruby Sapphire
For a burial, the funeral plans cannot guarantee to cover the costs as they vary significantly in different parts of the country. A contribution of £1,310 is included in the Plans towards burial costs and minister's fees that increase with the Retail Price Index for the Plan duration. Yes Yes Yes

Additional special requests can be added to the Plan at any time. However, some requests may incur an additional charge and may not be covered by the price guarantee. Any costs incurred from these requests will have to be paid for at the time of the funeral. Alternatively, you can pay a contribution in advance for any additional requests with the amount paid being subject to RPI inflation.

Age UK Guaranteed Funeral Plan terms of membership (PDF 325 KB )

Costs and instalment options

Save £25 when you buy before 29 March 2015.

We offer three different pre paid funeral plans to pay for funeral costs and services in advance, with different levels of funeral arrangements to suit your personal needs and budget. You can also add special requests such as favourite hymns or readings. You can choose to pay for your Age UK Guaranteed Funeral Plan in one lump sum, or spread the cost at no extra charge over 12 months. If you prefer, you can spread the cost over a longer period for an additional charge.

Funeral plan costs and monthly instalment options

  One-off, single payment 12 monthly instalments
(total cost over 1 year)
60 monthly instalments
(total cost over 5 years)
120 monthly instalments
(total cost over 10 years)
Emerald £3,440 £286.66
(£3,440)
£66.17
(£3,970.44)
£38.00
(£4,560.13)
Ruby £3,750 £312.50
(£3,750)
£72.13
(£4,328.24)
£41.42
(£4,971.07)
Sapphire £4,115 £342.91
(£4,115)
£79.15
(£4,749.52)
£45.45
(£5,454.92)

Prices valid until 29 March 2015 and include the £25 saving.

I had phoned other funeral companies before Age UK, but I found Age UK much easier and so helpful that I am so pleased to have your Plan. I feel much more at ease. Thank you all.
Mr Johns | Essex

Age UK Guaranteed Funeral Plan terms of membership (PDF 325 KB )

Easy steps to buying a Plan

What to do next

It's really easy to buy an Age UK Guaranteed Funeral Plan online. Simply click the 'Buy Online' button to our secure payment site. From there, you'll be asked to complete a simple form including the Plan holders details, your choice of Plan and chosen payment method (debit or credit card). It will only take a few minutes.

Alternatively call 0800 022 3243 to speak to one of our UK advisors, who can help you through the payment process over the phone. Lines are open Monday to Friday 9am - 9pm.

What can I expect once I’ve taken out my Plan?

We’ll send you a Membership Pack within 14 days.

This includes:

  • Documents detailing your Plan's features and benefits
  • A certificate illustrating what services the Plan guarantees to cover
  • Your member’s card, with space for your Plan number and Nominated Funeral Director’s phone number
  • An Executor pack which includes a copy of your arrangements and instructions, to pass to your Executor, appointed family member or friend
  • The telephone number of our 24-hour bereavement support service

Our Triple Guarantee

Take care of rising funeral costs with an Age UK Guaranteed Funeral Plan. Your Age UK Guaranteedtriple guarantee Funeral Plan doesn’t leave anything to chance. At every step of the way you’re covered by our cast iron triple guarantee.

1. Your Price Guarantee

We guarantee that once you've paid for the services set out in your Plan, you'll pay no more. When the time comes, all the arrangements that are included in your funeral plan will be taken care of - including the cremation fee, the minister's fees, doctors' fees and funeral director's fees.

2.Your Service Guarantee

With the Age UK Guaranteed Funeral Plan, you'll receive a quality funeral from one of our approved Funeral Directors, many whom have been providing a traditional, caring service to families in their local communities for generations.

3. Your 28-Day Full Money-Back Guarantee

We guarantee you a full refund if you change your mind about the Age UK Guaranteed Funeral Plan within the first 28 days. Should you decide to cancel at any time after that, a £95 admin fee will be deducted from any refund due.

Security for your money

Funeral Plan payments will be paid directly into The Trust for Age UK Funeral Plans. The Trust places its funds in safe investments, such as Government Gilts and the most secure Corporate Bonds and not the stock market.
The Trust is a legally separate and independent organisation from Age UK. The funeral director is not paid until after the funeral has taken place.

FAQ

Here are answers to some frequently asked questions about the Age UK Guaranteed Funeral Plan.

Q. How can I arrange my funeral the way I want it?
Q. Can I choose my Funeral Director?Man on beach looking out to the sky
Q. How will my funeral organiser know what to do when the time comes?
Q. Does it take long to arrange my funeral plan?
Q. Are there any restrictions?
Q. What if I change my mind once I’ve taken out a Plan?
Q. Who looks after the money I pay into the Plan?
Q. Am I covered if I want a burial and not a cremation?
Q. What happens if funeral costs go up dramatically?
Q. What happens if I die before I have finished paying all the monthly instalments?
Q. Can I see the Terms of Membership of the Funeral Plan?
Q. What if I move address?
Q. Am I able to have an eco-friendly funeral?
Q. Can I take out a joint Plan?
Q. Can I take out a funeral plan for someone else?

Q. How can I arrange my funeral the way I want it?

A. We have a choice of pre paid 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.

Q. Can I choose my funeral director?

A. We have a network of over 1,300 caring, professional and trusted funeral directors that provide services for our funeral plan members. When you take out a Plan we will allocate the nearerst funeral director to you, or you may select one from our 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 we send you.

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 membership 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, as long as you are aged 50 or over.

Q. What if I change my mind once I’ve taken out a Plan?

A. We offer 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.

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, (managed and run independently by M & G Investment Management Ltd). 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 Funeral Directors services set out in the Plan are guaranteed to be covered. Burial costs vary considerably and are not guaranteed by the Plan. There is an index linked contribution in the Plan towards them of £1,310.

Q. What happens if funeral costs go up dramatically?

A. No matter what happens to funeral costs in the future, once paid for, the services in your Plan are covered in full. This includes paying for the specified Funeral Director services, doctors’, minister's and cremation fee. The costs are frozen and guaranteed never to increase.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 or the person you have nominated in your Membership Pack die before all of the instalments have been paid, we will provide the funeral in accordance with this Agreement.
Your Personal Representative or the Personal Representative of the nominee will, however, be responsible for paying the outstanding instalments due.

Q. Can I see the Terms of Membership of the Funeral Plan?

A. Yes. Download the Age UK Guaranteed Funeral Plan Terms of Membership (PDF 325 KB).

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?

A. Please call our customer service team on 0800 022 3243 to discuss eco-friendly funeral services 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 plan holders only. Call us 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.

Save £25 - buy before 29 March 2015

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0800 022 3243

Lines are open: Mon - Fri 9am to 9pm. Calls may be recorded

Ask for an information pack today

To find out more about our funeral plans

Order a pack now

Quote ref: ABB406AC 0800 022 3243

Visit your local trading Age UK/Concern office**

**Not all Age UKs/Concerns offer all products. Please check (by calling your local office) before arranging a visit.

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Age UK Funeral Plan was previously known as Age Concern Funeral Plan.

The Age UK Guaranteed Funeral Plan is offered by Advance Planning Limited, a company incorporated in England and owned by Dignity Pre Arrangement Limited (a subsidiary of Dignity plc). Registered office: Advance Planning Limited, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP. Registered in England, number 3292336.

Age UK Enterprises Limited is the commercial arm of Age UK (charity no.1128267) and donates its net profits to that charity. Age UK Enterprises Limited is registered in England and Wales no.3156159. Registered address: Tavis House 1-6 Tavistock Square, London WC1H 9NA.

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