So how does it all work?
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Guarantees to protect against rising funeral costs
The Prepaid Funeral Plan from Dignity can save both money and worry as the cost of the specified funeral services are fixed at today’s price. Once fully paid, your family will never be asked to pay a penny more for the services included in the plan, no matter when the funeral takes place and how much prices rise in the future.
Guaranteed acceptance for those aged 50 and over
If you are aged 50 or over, you can apply, confident in the knowledge that you’ll be accepted to the plan. There are no health restrictions and no medical questions to answer.
Peace of mind for your loved ones
When the time comes, all it takes is one phone call to Dignity to set the plan in motion. One of Dignity’s established national network of owned and approved funeral directors will then see to the arrangements, consulting with your family at every stage and offer helpful advice and guidance throughout, leaving your family free to focus on their own personal tributes.
You can personalise your funeral
You can record special requests to your Prepaid Funeral Plan from Dignity so we can advise your loved ones when the time comes. You can begin with the essentials like whether you’d like to be cremated or buried, or if you would like a religious or non-religious service. You can choose to document as much or as little as you would like. Any costs incurred from these requests such as a floral tribute may not be covered by the plan and will have to be paid for at the time of the funeral. Alternatively, you can contribute towards the cost of these on the Amber, Pearl and Diamond Plans, and the amount you've contributed will rise in line with RPI inflation. You cannot make any additional contributions to the Limited Plan. If you would like to change your special requests at any time, you can do so with no administration fee being charged.
Your money's in safe hands
The money paid for each Prepaid Funeral Plan goes directly into the National Funeral Trust. Here the money required for the funeral is securely and carefully managed to ensure that all of the funeral services in the plan can be paid for in the future. The Trust is independently managed by some of the most respected names in the financial industry to make sure that Planholders’ money is properly protected.
Four funeral plans to choose from
You have four funeral plans to choose from and they each include arrangements for a cremation or burial funeral.
Click here to download a comparison of the four plans
Simply choose the plan that is right for you. Once you’ve paid for your plan Dignity will deliver all the services listed within your chosen plan, no matter how far in the future that may be.
What’s not included in your plan?
- Embalming, burial plot, memorial or headstone
- Minister’s or Officiant’s fee for a service at a different location before the cremation
- Any amount charged by the Minister or Officiant for a standard funeral service at the crematorium or cemetery, above the amount listed in the Church of England Table of Parochial Fees
- Any additional charge for conducting the burial, cremation or funeral service on a weekend or public holiday or at an unusual hour
- Flowers, wake or catering
- Doctor’s or coroner’s fee
- Repatriation from outside mainland Great Britain, Northern Ireland, Jersey, the Isle of Man or the Isle of Wight. (Limited Plan not available on the Isle of Man).
- Costs for removing artificial limbs and mechanisms such as pacemakers
- Costs associated with changes in regulations, tax, laws or generally accepted practices that result in additional costs or affect the conduct of the funeral.
Medical certification fees
For deaths where a coroner investigation is required, there are no medical certification fees. Also, changes to legislation in May 2015 mean there will no longer be a charge for a medical certification for any deaths registered in Scotland. Similar legal changes are being considered for the rest of the UK, so we do not include provision for these fees in our plans. If the funeral takes place outside of Scotland, and a coroner is not involved, then if applicable, the medical certification fees must be paid by the next of kin or personal representative, when arranging the funeral.
Please read the full Terms and Conditions, available in the Prepaid Funeral Plan brochure for more details.
What are the prices of the plans?
The Prepaid Funeral Plans are designed to meet our customer’s different requirements and budgets. For example you can make a single payment or spread the cost of your plan over 12 monthly instalments. The prices for these options are:
Longer instalment terms up to 15 years are available should you wish to spread the cost of the Plan. Please note that plans purchased over a period greater than 12 months will incur an additional fee.
Prices valid as at 15/12/2017. Prices are subject to review by Dignity, if at the point of application the Plan price has changed for any reason, we will advise you of this before we set up your plan and there will be no obligation for you to continue.
You’ll have access to loads of unique extras
By taking out a Prepaid Funeral Plan, you automatically become a Foresters member, if you aren’t already a member. And with membership you’ll get access to a range of brilliant extras that can give you support and assistance when you need it.
Practical help and emotional support from a personal nurse adviser is available for any member with a serious health condition.
- Social and community events
Each of our social branches organises regular meetings and community events, from coffee mornings to theatre trips.
- Financial grants for dental and health care
We offer a number of discretionary financial grants for members to support with things like dental and optical care, convalescence or higher education.
The membership benefits we provide aren’t regulated and are regularly reviewed by us to ensure they are relevant to our members.
When you take out a pre-paid funeral plan through Foresters, if not already, you’ll automatically become a member of Foresters Friendly Society. You’ll receive a year’s free Fraternal Membership, which would normally cost £25 a year. Your membership will allow you to benefit from most of the discretionary benefits on offer subject to eligibility, as well as getting involved with the great range of social events available. If you choose not to continue your membership after the first year, this will not affect your Funeral Plan, which will of course continue as per the terms and conditions of this product.
Prepaid Funeral Plan - FAQs >>
The Prepaid Funeral Plan is provided by Dignity Pre Arrangement Limited. A company registered in England No. 1862158. VAT Reg. No. 486 6081 14. Registered Office: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP. Tel: 0121 354 1557 Fax: 0121 355 8081. Part of Dignity plc. A British company. Dignity Pre Arrangement Limited is regulated by the Funeral Planning Authority. Calls may be monitored or recorded for training and quality purposes.