Funeral Director’s services guaranteed as standard
All of the plans guarantee to cover the cost of the Funeral Director’s services as outlined in the plan. On top of this, an Age UK Funeral Plan provided by Dignity, includes different features, depending on whether you decide to choose cremation or burial.
If you choose a cremation service, an Age UK Funeral Plan guarantees to cover the cost of cremation fees and Minister's fees^ in your plan, regardless of when it might be needed. Cremation is the more popular option – in fact almost 9 in 10 of our customers opted for a cremation funeral in 2015.
Many other providers do not guarantee the cremation fees and Minister's fees^, often referred to as third party disbursement costs. Instead most offer only a contribution towards these costs. These contributions don’t always rise in line with the Retail Price Index (RPI) either, which means the total cost of these third party disbursement costs could exceed the limited contribution available form the plan when it is needed. This could result in shortfall of hundreds, if not thousands of pounds for loved ones to meet at the time.
You are also welcome to specify if you would like your ashes to be scattered in a place of special significance. You can find out more information here.
Burial can be more expensive and costs vary widely across the country. Prices may differ by thousands of pounds depending on where you live. As a result, as like all other plans, an Age UK Funeral Plan cannot guarantee to cover all burial costs. Instead, an Age UK Funeral Plan provides a very generous amount towards a burial, which can be spent on any element of a burial service, including the burial plot.
If you decide to choose a burial, an Age UK Funeral Plan contributes £1,200 towards your fees and this will grow in line with RPI inflation each year. This is one of the largest burial contributions on the market. Some provider's contributions remain fixed at the date the plan was taken out meaning your loved ones may be left with a more significant shortfall to meet when the time comes. With an Age UK Funeral Plan you also have the flexibility to choose whether it goes towards a burial plot, the churchyard, local council costs, or even a headstone.
What’s more, if any of the contribution is left over after all burial fees have been paid, the difference is refunded to you. Equally, however, if there is any more to be paid your loved ones will need to pay the difference at the time. If you choose an Ivy, Holly or Rowan Plan, you may add to your contribution which will increase with RPI. You can't make any further contributions to the Basic Plan.
If you are considering a burial and already have a specific cemetery in mind you should consider buying your plot in advance. However not all cemeteries allow the advance buying of plots, so check with your local authority in the first instance.
If you have already purchased a plot or grave, you can let us know when you take out your plan. This will then be recorded so that your Funeral Director can make arrangements when the time comes.
It’s ok to change your mind
With your Age UK Funeral Plan, you can change your choice of cremation or burial at any time. Changing your preference is without charge.
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† Save £136 with Rowan Plan, £125 with Holly Plan, £100 with Ivy and Basic Plans. Savings are based on the difference between the current plan prices: Basic £2,895, Ivy £3,295, Holly £3,650 and Rowan £3,899 and the new prices Basic £2,995, Ivy £3,395, Holly £3,775 and Rowan £4,035 on 15 December 2017.
^ A Minister of Religion or Officiants fee is covered equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fees.