Frequently Asked Questions

For generations, Dignity has been helping to make funeral planning as easy and stress-free as possible. Dignity launched the UK’s very first funeral plan in 1985. Since then we have helped nearly one million* people make provisions for their funeral costs in advance. You can find more about Dignity and it's history here.

A Funeral Plan is a way to prepay funeral costs in advance. It also allows you to help protect your family from the worry and stress of making all the arrangements. 

Taking out a Prepaid Funeral Plan allows you to make important decisions about what you and your family want from the funeral. Once it’s paid, we will not request a penny more for the services included in the Plan, so you’ll have complete peace of mind, knowing you have financially prepared.

Taking out a Funeral Plan will also help save your loved ones the worry and stress of making all the funeral arrangements at such an emotional time, because they will already know what you wanted and a trusted Dignity Nominated Funeral Director will be there to guide and support them every step of the way.

Savings and life insurance don’t guarantee to cover your funeral costs – whereas a Prepaid Funeral Plan does. And with funeral expenses rising year on year, you may find that savings and life insurance aren’t enough to cover the cost of the funeral. In addition, banks and over 50s life insurance providers will not arrange your funeral, but Dignity will.

If you take out a Prepaid Funeral Plan from Dignity, you can freeze funeral costs at today’s prices, so no matter how much they rise, the cost of the cremation funeral services included in the Plan will be guaranteed – meaning that loved ones are less likely to have to use any savings or inheritance you may have left them. What’s more, the funeral will be planned and paid for, so your loved ones won’t have the added stress of making all of the arrangements at a difficult and emotional time.

It’s also worth noting that for inheritance tax planning purposes, a Funeral Plan sits outside the estate. For more information, visit Best Way To Take Care Of Funeral Costs.

Anyone aged 50 or over can take out a Prepaid Funeral Plan from Dignity. There are no upper age limits. There are no health or medical questions.

Dignity’s Prepaid Funeral Plans include the Funeral Director services. If a cremation is required the cremation fee and ministers fees in the Plan are covered. If a burial is required a contribution of £1,220 will be paid towards the burial and other third party costs. For more information, take a look at Dignity’s choice of Prepaid Funeral Plans – or call us to discuss your options further.

• Embalming
• The cost of special requests such as memorials, flowers, catering, newspaper obituaries etc.
• Transport of more than 50 miles from the Nominated Funeral Director. Any charge for any additional miles will be payable to the Nominated Funeral Director at the time
• The cost of removal of mechanisms such as pacemakers (which must be removed before a cremation)
• Costs for conducting the funeral, burial or cremation on a weekend, at an unusual hour or public holiday
• Any additional charges passed to us due to changes in regulations, tax, laws or generally accepted practice
• The cost of repatriation outside mainland Great Britain, Northern Ireland, Jersey, Isle of Wight on the Isle of Man (The Limited Plan not available on the Isle of Man)
• Any Doctor’s fees and Coroner’s fees

Dignity have a network owned and approved funeral directors across the UK that can be used for The Amber, The Pearl and The Diamond Plans. The Limited Plan has a restricted choice from approximately 800 Funeral Directors. If you’d like to find your nearest funeral director, or if you have a specific funeral director in mind and would like to know if they’re available through the Plan, please call us.

Yes, just call, email or write to us and we’ll change your Plan accordingly.

After 30 days, a cancellation fee of £249 will apply. This will be deducted from the amount you've paid into your Funeral Plan and the rest will be refunded.

Once you've bought your Prepaid Funeral Plan, you will have 30 days to change your mind. So whether you've paid a deposit or paid in full, your money will be refunded if you cancel with 30 days. If you choose to cancel after the 30 days, a cancellation charge of £249 will apply. Please read our Terms & Conditions for full details.