Age UK funeral plans

Age UK funeral plans start from £3,070 or from £21.34 per month.

Their funeral plans are provided by Dignity and are only available to those aged 50+.

Having a funeral plan in place ensures that your loved ones are financially protected from the expense of your funeral.

You can arrange a Dignity funeral plan through our award-winning broker service.

Not only that, but we can compare Dignity funeral plans with other plans available, ensuring that you get the best deal.

Get in touch with our specialist team today to compare plans and lock-in your funeral costs.

Our independent, FCA regulated broker service is completely fee-free.

Interested to learn more about Age UK funeral plans? Continue reading our comprehensive review...

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Key features

  • Rebranded as Age Co funeral plans
  • Guarantee acceptance for UK citizens over 50
  • Funeral Planning Authority (FPA) approved
  • Funeral plan services provided by Dignity
  • A wide network of funeral directors in the UK
  • Profits are donated to Age UK charity
  • Plan can be moved with you if you move home
  • Four different levels of service at different price points
  • Funeral plan is guaranteed after 12 months (Instalment Promise)

Drawbacks

  • Third-party fees for a burial aren't guaranteed
  • Doctors’ fees to certify the death aren’t covered
  • The basic funeral plan has a limited choice of funeral directors

Age UK funeral plan guaranteed

Reports have shown that funeral prices in the UK have continually risen since 2004.

The average cost of a funeral 15 years ago was £1,920, but today we pay more than double this.

By 2025, funeral costs are likely to reach £5,285.[1]

But funeral plan providers now provide the opportunity to lock-in the price of your funeral and beat these rising funeral costs.

Age UK is no exception.

For a cremation funeral, an Age UK funeral plan will guarantee all cremation fees and minister fees.

This means that no matter how much prices rise in the future, the services included in your funeral plan won’t cost a penny more when the time comes.

For a burial funeral, an Age UK funeral plan will provide a contribution towards burial and minister fees of £1,220 and this will rise in line with Retail Price Index (RPI).

However, funeral costs are rising much faster than inflation which means there may be a shortfall for loved ones to pay when the time comes.

If your chosen funeral is a burial, then you may consider an alternative plan that guarantees to cover all third-party burial costs.

Reassured can help you arrange a burial funeral plan that is fully guaranteed.

Contact our award-winning broker service today to compare fully guaranteed funeral plans.

Age UK reviews

In October 2020, Age UK funeral plans were rated 4.7 out of 5 based on 142 reviews on Feefo.com.

This is a small number, considering Age UK funeral plans have provided plans for over 400,000 customers in the last 25 years.

In 2018, Age UK funeral plans were awarded the Feefo Gold Trusted Service Award.

At Reassured, we have secured over 41,000 independent reviews on Trustpilot, with an average rating of "Excellent".

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Age UK funeral plan prices

Like with other funeral plans, Age UK funeral plan prices are tiered.

The more you pay, the more services and flexibility you’ll receive.

Up until April 2020, Age UK funeral plans were offering a £100 discount on each of their plans.

As this has now expired, their plans are at the full price starting from £21.34 a month.

But you could make a saving with a Co-op funeral plan arranged through Reassured.

Co-op members can save either £75 or £125 on a Co-op plan arranged through us.

Simply sign up to be a member on their website, pay a £1 fee and you’ll be able to claim the offer.

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This calculator uses data from the SunLife Cost of Dying Report 2020 and should only be used as a guide.

What’s included in an Age UK funeral plan?

All Age UK funeral plans include the following services:

  • Support and guidance from a nominated funeral director
  • Transfer of the deceased (within 50-miles) to the place of rest
  • Care of the deceased at the place of rest, (embalming to preserve the body at an extra cost)
  • A coffin or casket
  • Use of chapel of rest and visitation for the family
  • Provision of a hearse to carry the deceased from the funeral home to crematorium or cemetery
  • Funeral staff to carry out the service
  • Free bereavement support

Funeral plans for a cremation funeral cover third-party fees, excluding doctor’s fees.

Funeral plans for a burial funeral include a contribution of £1,220 towards third-party fees.

As stated previously, you can arrange a funeral plan through Reassured that guarantees to cover all essential third-party fees, including doctors’ fees.

Get the best deal for your funeral plan by contacting our award-winning team today.

Age UK funeral plans overview

As mentioned above, all Age UK funeral plans include all the essential services required for a funeral.

However, each funeral plan offers a different level of service at a different price.

Here is a comparison of the services provided with each funeral plan.

Plan Full upfront cost Monthly cost Cremation third-party fees Burial third-party fees Doctor’s fees Coffin Limousine Collection of body Use of chapel of rest Thank you cards
Basic Plan £3,070 From £21.34 Guaranteed £1,220 contribution Not included Basic No 50 mile radius During working hours No
Ivy Plan £3,470 From £23.44 Guaranteed £1,220 contribution Not included Wood effect No 50 mile radius During working hours No
Holly Plan £3,825 From £25.31 Guaranteed £1,220 contribution Not included Quality wood effect Yes x1 50 mile radius Weekdays, at any time Yes
Rowan Plan £4,170 From £27.12 Guaranteed £1,220 contribution Not included High quality wood effect Yes x2 50 mile radius Anytime 24/7 Yes

Age UK Basic funeral plan

Cost: £3,070 or from £21.34 per month[2]

A basic funeral plan includes:

  • A basic coffin
  • Family visitation to the chapel of rest during working hours
  • Funeral procession directly to the crematorium or cemetery
  • Cremation fees for a cremation funeral
  • Contribution towards burial fees
  • Contribution of £1,220 towards burial

Not included: A limousine for the funeral procession.

Please note: A basic plan is limited to approximately 800 funeral directors in the UK and has restricted time and dates. You also won’t be able to make any contributions to the plan for special requests.

Age UK Ivy funeral plan

Cost: £3,470 or £23.44 per month

An Ivy funeral plan includes:

  • A wood effect coffin
  • Family visitation to the chapel of rest during working hours
  • Funeral procession directly to the crematorium or cemetery
  • Choice of 1,300 funeral directors nationwide

Not included: A limousine for the funeral procession.

Age UK Holly funeral plan

Cost: £3,825 or £25.31 per month

A Holly funeral plan includes:

  • A quality wood effect coffin
  • Family visitation to the chapel of rest weekdays at any time
  • One limousine
  • Funeral procession to where the service is held and on to the crematorium or cemetery
  • Choice of 1,300 funeral directors nationwide
  • Complimentary thank you cards

Age UK Rowan funeral plan

Cost: £4,170 or £27.12 per month

A Rowan funeral plan includes:

  • A high-quality wood effect coffin
  • Family visitation to the chapel of rest at any time, 24 hours a day
  • Two limousines
  • Funeral procession to where the service is held and on to the crematorium or cemetery
  • Choice of 1,300 funeral directors nationwide
  • Complimentary thank you cards
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Special requests

One of the perks of an Age UK funeral plan is that you can settle any of the smaller details at the time of arranging the plan.

Age UK funeral plans allow you to make special requests for personal touches.

For example, what flowers you’d like or music you’d like to have played.

Special requests can be added to any plan but may be restricted depending on the plan.

You can also pay an extra contribution towards the cost of special requests with an Ivy, Holly or Rowan plan.

Without a contribution, your loved ones will need to cover the whole cost of special requests when the time comes.

As with the Age UK contribution of £1,220, any contribution you make will increase each year in line with inflation.

Payment options

Like funeral plans arranged through Reassured, Age UK funeral plans have several payment options.

These include:

  • In full with one upfront payment
  • 12 interest-free monthly payments
  • Monthly instalment plan over 1-25 years (must be paid by 85th birthday)

Please note: monthly instalment plan incurs charges.

Passing away during an instalment plan, (Instalment Promise)

Most funeral plan providers offer additional protection in case you were to pass away during an instalment plan and before all payments were complete.

This usually means that all the services agreed in your plan will still be carried out at no extra cost to your loved ones, if you were to pass away after the first 12 months of paying the plan.

As with plans arranged through Reassured, Age UK funeral plans also offer this valuable benefit, as long as all payments are up to date.

Safeguarding your investment in this way ensures that if anything were to happen to you during your instalment plan, the expense of your funeral is still not passed onto loved ones.

Secure your funeral plan with Reassured today and enjoy peace of mind that your funeral has been taken care of.

The Trust Age UK Funeral Plans

Age UK funeral plans are regulated by the Funeral Planning Authority (FPA) - as are funeral plans arranged through Reassured.

The FPA was established to ensure that customers who purchase funeral plans are financially protected and receive the funeral they paid for.

FPA approved funeral plan providers must have a separate Trust Fund, managed by a Trustee, or a whole of life insurance policy to hold funeral plan funds for their customers.

The Trust Age UK Funeral Plans is the Age UK Trust Fund separate to Age UK Enterprises Limited and keeping your money safe.

The funeral plans arranged through Reassured also offer this level of protection.

Get in touch with us today and receive your funeral plan quotes for FPA approved funeral plans.

Age UK funeral plan directors

Age UK funeral plans work with Dignity funeral directors.

Dignity privately owns 800 funeral directors across the UK and have an additional network of 500 independently owned funeral directors.

If you choose the Basic Age UK funeral plan, you’ll only have the choice of 800 Dignity funeral directors.

The role of the funeral director is to provide (at your request) all the services required before, during and after a funeral.

With a funeral plan, you’ll have all the support and guidance you need from the funeral director to plan your funeral in advance.

All funeral plans purchased through Reassured offer a choice of over 1,000 funeral directors nationwide, so there’ll always be one local to you.

Contact our award-winning team to compare our funeral plans and save money.

What is Age UK?

Age UK is a charity set up to support UK citizens in the later stages of life.

Age UK funeral plans are now called Age Co funeral plans, as Age Co is the new name for Age UK products and services.

Age Co is a trading name of Age UK Enterprises which is owned by the Age UK charity.

Age UK contact details

Age UK funeral plans can be contacted in the following ways, 24-hours a day, 7 days a week.

  • Phone: 0800 022 3243
  • Email: agecofuneralplan@dignityuk.co.uk
  • Post: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP

Age UK funeral plan cancellation

The cancellation policy for an Age UK funeral plan is flexible, much like other funeral plans.

You can cancel an Age UK funeral plan at any time.

To do this, you’ll need to contact Age UK by phone, email or post, (see above).

If you cancel your plan within 30 days of taking out the plan, then you’ll receive a full refund of any funds paid into the plan.

If you cancel your plan after the initial 30 days cooling-off period then you’ll receive a refund of funds paid into the plan, less a cancellation fee of £249.

If your loved ones choose to cancel the plan after you pass away, then the refund would be made to your estate, which means they would have to wait for probate before having access to the funds.

The important thing to remember is that if you miss any instalments, then Age UK could cancel your plan and you’ll lose the price guarantee.

Compare fully guaranteed funeral plans

At Reassured, we can compare multiple funeral plans on your behalf to help you find the most suitable plan.

Funeral plans purchased through Reassured guarantee to cover the cost of your funeral services, no matter how much prices rise in the future.

Get in touch with our award-winning team today completely free of charge to secure your funeral plan from just £20.38** a month.

Our FCA registered broker service can provide all the information you need to make a fully informed decision.

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Sources:

*£20.38 per month includes a £75 discount only available to Co-op members, based on a 50-year-old purchasing a Simple Funeral Plan at £3,220 after discount with 25 years payment term (total amount payable £6,115.40), as of 20th November 2020

[1] https://www.sunlife.co.uk/siteassets/documents/cost-of-dying/SL-cost-of-dying-report-2020.pdf/

[2] https://funeralplan.ageuk.org.uk/

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Our Providers

At Reassured, we will provide you with quotes from Co-op Funeral Care, Dignity Funeral Services and Simplicity Cremations.

All of the funeral plans we provide are fully regulated by the Funeral Planning Authority (FPA) ensuring you and your money are protected.

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