Dignity Prepaid Funeral Plans

Dignity is one of the UK’s leading funeral planning providers. As well as providing guidance and advice on planning a funeral, Dignity also offer a range of prepaid funeral plans.

Each funeral plan includes the professional services of a Dignity owned or approved funeral director and Dignity will guarantee to cover the cost of the services included in the plan even if funeral costs rise in the future.

Dignity logo

Reassured is pleased to work in partnership with Dignity so that we can help you arrange one of their plans and lock-in your funeral costs today.

We’re an award-winning, FCA registered broker with more than 10 years experience helping customers secure financial protection for their families.

Get in touch for your free, personalised funeral plan quote.

Continue reading for a comprehensive review of Dignity prepaid funeral plans to help you establish if they're the right provider for you…

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What is it that makes Dignity different?

The majority of Dignity funeral directors have been looking after families and serving their local communities for generations. In fact, their oldest branch first opened its doors to the public in 1812.

Dignity has some of the most comprehensive coverage in the UK when it comes to their national network of hundreds of funeral directors.

Support, whenever it’s needed

With the prepaid funeral plan, you can rely on the service provided by Dignity.

They aim to provide high standards of service from the outset. Their UK-based customer service centre is staffed by knowledgeable and caring advisers.

They are there for you and your family, 24 hours a day, 365 days a year, offering help and support when it’s needed.

Last year 98% of families Dignity have served said they would recommend Dignity to a friend or family member[1].

A safe pair of hands

Dignity is a stable company with a long and reliable history. They’re registered with the Funeral Planning Authority (FPA), the professional body that oversees the operation of registered Funeral Plan companies.

As a registered provider they abide by the Authorities’ rules and code of conduct at all times.

What is a Dignity funeral plan and how does it work?

A prepaid funeral plan from Dignity allows you to pay in advance for your funeral and lock-in today’s prices for the services included in the plan.

This means that when the time comes, your loved ones won’t have to pay anything more for these, even if prices have risen.

By taking out a prepaid funeral plan from Dignity you can:

Plan the funeral your way and record your final wishes

Protect loved ones from having to meet all the costs

Spread the cost of your funeral in affordable monthly payments

Every Dignity prepaid funeral plan is protected by the FPA (Funeral Planning Authority) and plan funds are paid into the National Funeral Trust.

This ensures that the money required for the funeral is protected until your funeral services need to be paid for.

Get in touch with Reassured to compare Dignity prepaid funeral plans today.

Dignity offers four individual plans to suit different needs and budgets

All plans guarantee to cover the funeral director fees for arranging and conducting a cremation or burial funeral, no matter how far in the future it may be needed and how much funeral costs may rise in that time.

For a summary of what each plan covers and their cost please see below:

Limited Amber Pearl Diamond
Support from hundreds of owned and approved funeral directors throughout the UK Yes** Yes Yes Yes
Collection and transportation of the deceased to funeral home Yes - 24/7 within 50 mile radius Yes - 24/7 within 50 mile radius Yes - 24/7 within 50 mile radius Yes - 24/7 within 50 mile radius
Care and preparation of the deceased Yes Yes Yes Yes
Professional guidance and advice from the funeral director Yes Yes Yes Yes
Funeral personnel inc. pallbearers Yes Yes Yes Yes
Family visit to the chapel of rest Weekdays, during office hours Weekdays, during office hours Weekdays, at any time Anytime
Funeral cortege (procession) Directly to crematorium or burial site from home or funeral home Directly to crematorium or burial site from home or funeral home To a service location, then onto the crematorium or burial site from home or funeral home To a service location, then onto the crematorium or burial site from home or funeral home
A hearse Yes Yes Yes Yes
A coffin Basic Wood effect Quality wood effect High quality wood veneer
Cremation fees Yes - guaranteed Yes - guaranteed Yes - guaranteed Yes - guaranteed
Burial fees Contribution of £1,220 that rises in line with RPI. (burial plot not covered) Contribution of £1,220 that rises in line with RPI. (burial plot not covered) Contribution of £1,220 that rises in line with RPI. (burial plot not covered) Contribution of £1,220 that rises in line with RPI. (burial plot not covered)
Bereavement assistance from professional Yes Yes Yes Yes
Limousine No No 1x 2x


To arrange either a Limited, Amber, Pearl or Diamon funeral plan by Dignity, use our award-winning service.

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Dignity cremations

Dignity prepaid funeral plans for cremation will guarantee to cover funeral director costs and third-party cremation costs (cremation fees and minsters fees).

However, their funeral plans won’t cover doctors’ fees (on average £164), which may need to be paid before a cremation can take place.

Cremations in Scotland no longer require doctors’ fees for medical certification to be paid.

It’s speculated that this may apply to the UK in the near future, this is why many funeral plans won’t cover this cost.

Dignity direct cremation

Dignity provides prepaid direct cremation funeral plans under the brand name ‘Simplicity Cremations’.

Plans include all the essential services for a straight-forward cremation at one of the 46 Dignity owned crematoria in the UK.

A direct cremation doesn’t include a funeral service which is why it’s less expensive than a standard funeral.

Direct cremation funeral plans start from as little as £16.51^ a month and can be arranged through Reassured.

Get in touch with our award-winning service for your free personalised quote.

Dignity burials

For burial funerals, alongside the guaranteed services of a funeral director, Dignity provides a contribution of £1,220 towards third party burial costs.

This money can be used towards costs charged by third-party providers, such as the charge made by a minister or officiant, religious, and cemetery costs or for purchasing a plot.

This amount will rise annually in line with the Retail Price Index (RPI), meaning it will increase with inflation.

As the cost of these services may vary significantly depending on which part of the UK the funeral is held, your plan doesn't guarantee to cover these costs. You would be responsible for paying any additional amount to the nominated funeral director.

Dignity funeral plans cost

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

The amount you pay will depend on which plan you choose that suits your needs, and your level of customisation.

Pay for your plan outright in one lump sum

This is the most straightforward choice. Once you’ve paid for your plan you can be confident that all services included have been taken care of.

Pay by Direct Debit and spread the payments over 12 months at no extra cost

If you prefer to spread the cost of your funeral over a period of 12 monthly payments, you can do so with no additional charge.

This means you end up paying the same amount as if you had paid in a single lump sum, with the price of your funeral plan frozen from the date of your first payment.

Lower monthly payments over more than 12 months

If you prefer to spread the cost of your plan over a longer period in order to make more affordable monthly payments, you can choose to do this over a period of 2-25 years. However, unlike the 1-12 month instalment plans, these longer-term plans do incur an administration fee.

If you are paying over a period of more than 12 months, all the instalments must be made by your 85th birthday.

If you should pass away more than 12 months after your funeral plan start date and all your instalments are up to date then Dignity will cover your outstanding balance thanks to the Dignity Promise.

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The Dignity Promise

If you choose to pay for your funeral plan in instalments over 2 - 25 years but pass away before your plan has been paid in full, Dignity will cover the outstanding balance.

They won't ask your loved ones to pay a penny more than you’ve already paid for all the services included in your plan.

This promise applies to all Dignity customers who take out a Limited, Amber, Pearl or Diamond plan.

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

All funeral plans arranged through Reassured, including those provided by Dignity, offer this additional benefit.

Single payment cost Monthly cost (12 instalments, fee-free) Monthly cost (25 years, fees apply)
The Limited plan £3,095 11 payments of £257.91 and 1 final payment of £257.99 299 payments of £21.47 and 1 final payment of £22.15 (Total payment £6,441.68)
The Amber plan £3,495 11 payments of £291.25 and 1 final payment of £291.25 299 payments of £23.57 and 1 final payment of £25.55 (Total payment £7,072.98)
The Pearl plan £3,850 11 payments of £320.83 and 1 final payment of £320.87 299 payments of £25.44 and 1 final payment of £26.70 (Total payment £7,633.26)
The Diamond plan £4,195 11 payments of £349.58 and 1 final payment of £349.62 299 payments of £27.25 and 1 final payment of £30.01 (Total payment £8,177.76)

Prices valid as at 17/12/2020. Prices are subject to review by Dignity.
Instalment periods of up to 25 years are available provided that all payments over any instalment term longer than 12 months are completed by the 85th birthday of the eldest person named on the plan.

Cancellation fee

If you cancel your plan within 30 days of the start date, you won’t be charged a 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.

What isn’t covered in a Dignity prepaid funeral plan?

Like other funeral plans on the market, a Dignity funeral plan doesn't cover the cost of the following:

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

This list isn’t exhaustive. Please refer to the terms and conditions of your plan for further information.

Who provides Dignity funeral plans?

Dignity Prepaid Funeral Plans are provided by Dignity Pre-Arrangement Limited who are part of the Dignity Funerals Group (Dignity Plc), one of the largest funeral planning companies in the UK.

Dignity has a nationwide network of owned and approved funeral directors throughout the UK.

Find a Dignity funeral directors near me »

Dignity funeral plans reviews

Dignity Prepaid 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 Funeral Directors are regularly monitored for quality of service - 99.2% of families responding to Dignity’s customer survey say that they have ‘met or exceeded their expectations’[1].

In 2019 they conducted 69,400 funerals and to date have helped nearly 1 million people plan their funeral in advance.

Dignity Prepaid Funeral Plans can be purchased through Reassured; our broker service has received over 41,000 Trustpilot reviews with a market-leading average rating of ‘Excellent’.

Is it worth paying for your funeral in advance?

One of the main reasons many people take out a prepaid funeral plan is to protect their loved ones from rising funeral costs.

Funeral costs in the UK have risen much faster than inflation. In fact, between 2011 and 2019, average funeral costs increased from £2,971 to £4,202. That’s a 41% rise[2].

It’s a trend that’s been going on for a while and if this continues, it’s projected that by 2028 the average cost of a funeral in the UK could have risen to £6,206[3].

By paying for your funeral in advance you could save your loved ones money in the future, as well as protect them from the most costly elements of your funeral.

A prepaid funeral plan from Dignity also allows you to make your wishes known to your loved ones. You can personalise your plan to include a favourite hymn, piece of music or reading for example.

You can also pay a contribution upfront for more items including extra limousines, floral tributes or a wake. This way you can protect your loved ones from having to cover the full costs when the time comes†.

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

Compare Dignity prepaid funeral plans quotes

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

At Reassured we can compare Dignity Prepaid Funeral Plans to find you an option that best meets your needs at a cost-effective price.

All funeral plans arranged through us are done so on a non-advised basis. This means we present you with all the information about the plans available to you so that you can make an informed decision on which one to choose.

Our dedicated team can take you through the whole process and complete the application on your behalf.

We’re fully FCA regulated and don’t charge a fee for our quotes.

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

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Sources:

Disclaimer: The information provided in this article for Dignity Funeral Services is correct as of December 2020

*£21.47 a month is based on the Dignity Limited plan paid over the maximum 25-year payment term (total amount payable £6,441.68)

**Limited plan: The choice of funeral director is restricted to one of the owned Dignity Funeral Directors located nationwide. A restricted choice of date and time for the funeral will be available. Typically this means that with the Limited funeral plan the service will take place before 10:30 or after 15:30 Tuesday - Thursday. You may not make any additional contributions to the costs of any special requests. Not available on the Isle of Man

†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 or alternately a contribution can be made towards these costs which will increase each year in line with the Retail Price Index (RPI). The Limited Plan doesn't allow any additional contributions towards the costs of any special requests

^£16.51 a month is for the Simplicity Cremations Lily Plan, which is for a direct cremation only, paid by monthly instalments with 10 years payment term (total amount payable £1,981.80). Prices correct as of 20th November 2020

[1] Dignity plc Annual Report and Accounts 2019

[2] 2011 - 2019 Matter Communications independent research

[3] 2019 - 2028 Forecast based on the average annual compounded growth rate of 4.43% each year between 2011 and 2019

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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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