Dignity funeral plans

Dignity are one of the UK's largest funeral planning providers.

As well as providing help and advice on planning a funeral, they offer a range of prepaid funeral plans.

Continue reading for a comprehensive review of Dignity funeral plans (and establish if they're the provider for you)…

Dignity funeral plans reviews

Dignity funeral plans are highly rated by their customers.

Their Diamond plan has received a 5 star Defaqto (the independent research of financial products) rating.

With their Pearl plan receiving a 4 star rating as well as their Amber and Limited plans achieving a 3 star rating.

Dignity have also been rated 4.8 stars by Feefo.

At Reassured, we have over 34,000 Trustpilot reviews with a market-leading average rating of "Excellent".

Who owns Dignity funeral plans?

Dignity funeral plans are owned by Dignity, one of the largest funeral planning companies in the UK.

Dignity is made up of over 1,200 owned and approved funeral directors throughout the UK.

The Limited Plan will give you the choice of 800 funeral directors.

Dignity funeral plans cost

Dignity offer a range of funeral plans at different prices with flexible payment terms.

Plans start from £2,995 (the Limited plan) up to £3,995 (the Diamond plan)[1].

Although, depending on your level of customisation, additional charges could increase these prices.

Dignity allows you to pay for your funeral plan in a one-off lump sum charge or in affordable monthly payments (from 12 months up to 300 months).

For example, the Limited plan starts at just £20.94 per month over 300 months.

Please note; that any plans taken out with monthly payments over 12 months are subject to instalment charges.

All payments must have been made by your 85th birthday.

Dignity promise

If you choose to pay for your plan in instalments over 12+ months but pass away before your instalment plan is fully paid, Dignity will cover the outstanding balance.

This promise applies to all Dignity plans with payment terms over 12 months.

You must have made at least 12 months of payment since the start date of your plan and your monthly payments must be up to date.

While not every provider offers this type of deal, funeral plans taken out through Reassured also benefit from a payout promise.

Get in touch today and a friendly member of our team can talk you through your options.

Cancellation fee

If you choose to cancel your plan after 30 days of taking it out, a £249 cancellation fee will apply.

This fee will be taken from the amount you have already paid in and any other funds will be refunded to you.

Use our FCA regulated broker service today to find the most cost-effective funeral plan.

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Avoid rising funeral costs. Protect loved ones. Buy a funeral plan today.

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

Dignity prepaid funeral plans

UK residents aged 50 and over are guaranteed acceptance to a prepaid funeral plan, with no medical information required.

Although you don't need to be over 50 to take out a funeral plan, as long as the person who the funeral is for is aged 50 or over

Any prepaid funeral plan taken out through Dignity is protected by the FPA (Funeral Planning Authority) and funds are held in the National Funeral Trust.

You can take out one of the following prepaid plans from Dignity.

LIMITED PLAN by Dignity includes:

  • Dignity’s most affordable plan
  • Limited plan can be paid for in a lump sum of £2,995 or in flexible monthly payments (from as little as £20.94 per month)
  • 800 approved funeral directors
  • Help and guidance
  • Collection and transportation of deceased to funeral premises at any time (within a 50-mile radius, excluding ferry and airfares)
  • Basic coffin
  • Hearse
  • Viewing of deceased at private chapel of rest (agreed by appointment during normal office hours only)
  • Guarantees funeral director costs

AMBER plan by Dignity includes:

  • Amber plan can be paid for in a lump sum of £3,395 (or from £23.05 per month)
  • Over 1,200 approved funeral directors
  • Help and guidance
  • Co-ordination of flowers and tributes as well as collection of charitable donations
  • Collection and transportation of the deceased to funeral premises at any time (within 50-mile radius, excluding ferry and airfares)
  • Wood effect coffin
  • Viewing of deceased at private chapel of rest (agreed by appointment during normal office hours)
  • Hearse
  • Funeral procession directly to cremation or burial site
  • Guarantees funeral director costs
  • Option to personalise at any time

PEARL plan by Dignity includes:

  • Pearl plan can be paid in a lump sum of £3,750 or in monthly instalments (from £24.91 per month)
  • Over 1,200 approved funeral directors
  • Help and guidance
  • Collection and transport of deceased to funeral premises at any time (within a 50-mile radius, excluding ferry and airfares)
  • Co-ordination of flowers and tributes as well as collection of charitable donations
  • Wood effect coffin
  • Viewing of deceased at private chapel of rest (agreed by appointment during weekdays)
  • Hearse
  • 1 limousine (additional limousine can be added for an extra cost)
  • Funeral procession from home to service to burial/cremation
  • Agreement on time and day of funeral (during normal office hours)
  • Guarantees funeral director costs
  • Option to personalise at any time

DIAMOND plan by Dignity includes:

  • The most expensive offering from Dignity
  • Diamond plan can be paid for in a lump sum of £3,995 or in instalments (from £26.20 per month)
  • Over 1,200 approved funeral directors
  • Help and guidance
  • Co-ordination of flowers and tributes as well as collection of charitable donations
  • Collection and transport of deceased to funeral premises at any time (within a 50-mile radius, excluding ferry and airfares)
  • High-quality veneer coffin
  • Viewing of deceased by at private chapel of rest (by appointment at any time)
  • Hearse
  • 2 limousines (additional limousine can be added for an extra cost)
  • Funeral procession from home to service to cremation/burial
  • Agreement on the time and day of the funeral (during normal office hours)
  • Guarantees funeral director costs
  • Option to personalise at any time

What isn’t covered in a Dignity funeral plan?

There are certain services that don't come with any Dignity funeral plan.

These include:

  • Medical certification fees
  • Embalming
  • Burial plot or headstone
  • Flowers
  • Catering
  • Return of deceased from outside of mainland Great Britain
  • Costs for removing artificial limbs/pacemakers

These costs are often referred to as third-party costs (costs from organisations like florists, caterers etc).

While Dignity plans take care of some third-party costs (such as cremation and ministers fees) they don't take care of all third-party costs (like the ones mentioned above).

Funeral plans arranged through Reassured cover all third-party fees which include minister, doctor and cremation or burial fees

Legal & General Dignity funeral plans

Insurer Legal & General work in partnership with Dignity to provide prepaid funeral plans.

This includes their funeral benefit that can be added to their over 50s plans.

The funeral benefit can be added to a Legal & General over 50s policy for no extra cost and it ensures that your lump sum is paid directly to Dignity so that they can take care of your funeral arrangements.

However, due to the unknown risk you pose to the insurer, an over 50s plan could end up being more costly than a funeral plan.

At Reassured we can compare Legal & General (Dignity) funeral plans with other funeral plans from leading UK insurers to ensure you’re getting the best deal.

Dignity burial

While all funeral plans from Dignity take care of funeral director costs, crematorium fees and ministers fees, they don't cover burial costs.

This is because burial costs vary significantly across the UK so it’s hard to factor this into an agreed plan.

However, Dignity will provide a contribution of £1,220 (this amount increases each year in line RPI inflation) if you choose the burial option.

Funeral plans provided by Reassured include burial costs (other than a burial plot).

Get in touch today for your free quotes.

Dignity cremation

All Dignity funeral plans will cover funeral director services and third-party cremation costs, such as cremation fees and minsters/officiants’ fees.

Dignity funeral directors near me

Dignity work with over 800 funeral directors across the UK.

With this in mind, it’s highly likely that there’ll be a funeral director that accepts Dignity funeral plans in your area.

However, at Reassured we supply plans with providers who work with over 1,000 funeral directors to ensure that a funeral home is always nearby.

Is it worth paying for your funeral in advance?

The main benefit of a prepaid funeral plan is that it allows you to pay for your funeral at today’s prices.

The Sunlife cost of dying report (2020) showed that the average cost of dying in the UK has crept up to a staggering £9,493, with a basic funeral costing over £4,000.[2]

This amount is expected to continue to rise at a significant rate.

By paying for your funeral in advance you can save your loved ones money and ease their financial worries.

Read all about the pros and cons of prepaid funeral plans in this guide »

Compare dignity funeral plans

At Reassured we can compare multiple funeral plans to help you find the best deal.

The best funeral plan for you will depend on what you want your plan to provide and your budget.

However, our dedicated team can take you through the whole process to ensure your plan meets all of your needs.

Our award-winning broker service is also completely free for you to use and regulated by the FCA.

Get in touch and start your journey to protect your loved ones from rising funeral costs.

Sources:

*£19.81 per month includes a £165 discount only available to Co-op members. Based on a 50 year old purchasing a Simple Funeral Plan at £3,130 after discount with 25 years payment term (total amount payable £5944.10).

[1] https://www.dignityfunerals.co.uk/funeral-plans/our-funeral-plans/compare-our-plans/

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

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Our Providers

At Reassured, we will provide you with quotes from Co-op funeral care, as well as any information required regarding the best funeral plans.

This allows you to make a fully informed decision.

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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Another happy customer I am. They are very professional and kind. Fully communicative. I recommend.

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Really genuine kind and compassionate team with great knowledge and friendly approach highly recommend them!

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