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Age UK Funeral Plans are provided by Dignity and brought to you by Age UK Enterprises Limited

The Trust Fund

We hope that your family won’t need to access your plan any time soon and that many years will pass between you taking out the plan and it being used. A lot can change in the meantime however, so it’s important that you know your money is being looked after responsibly.

Where does your money go?

All of the money you pay towards your funeral plan goes directly into the Trust for Age UK Funeral Plans.

Why a Trust Fund?

The Funeral Planning Authority, are a professional body whose main responsibilities include consumer protection within the Funeral Planning sector. It requires all registered providers place customer money into an independent Trust Fund or a whole-of-life insurance policy.

We secure our customer’s money in an independent Trust Fund to guarantee the utmost protection.

The Trust for Age UK Funeral Plans

The Trust for Age UK Funeral Plans is a totally independent Trust Fund, legally separate from Age UK Enterprises Limited. It’s also not attached to any shareholders. This means that if anything were to happen to Age UK Enterprises Limited or Dignity, the funeral planning provider, your money would still be safe.

All payments are passed to the Royal Exchange Trust Company Limited, which acts as Custodian Trustee of the Trust for Age UK Funeral Plans. They oversee the Trust’s bank account, under the supervision of Link Corporate Trustees (UK) Limited (previously known as Capita Trust Company Limited).

The money for your funeral plan in the Trust Fund is ring-fenced and not accessible by Age UK Enterprises Limited or any Funeral Director until required. Likewise the money is not lent to any organisation or individual, therefore Dignity never need to rely on another party in order to meet the obligation to all Planholders’.

The Trust Fund meets all of the requirements set by the Funeral Planning Authority to ensure Planholders’ protection. The Trust Fund is also actuarially valued and audited on an annual basis by PricewaterhouseCoopers (PwC) and Ernst & Young. There is a report produced on the fund annually, which is available to view on request. You can request a copy here.

By following these processes, Dignity and Age UK Enterprises aim to provide the utmost security and peace of mind for all Age UK Funeral Plan customers.

† 52p based on Basic Plan paying by instalments over 25 years. Plans paid over a period greater than 12 months will incur an administration charge.


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