Dignity funeral plans review

Dignity is one of the UK’s largest funeral planning companies. They are secure, competitively priced and guarantee all the services included.

Market insight: Dignity funeral plans are currently £100 cheaper than the Coop and up to £150 less than Avalon

Highlights

  • Dignity is registered and regulated by the Funeral Planning Authority (FPA)
  • Guarantees cremation and ministers fees as well as funeral directors costs
  • Offers the highest allowance of £1,220 for burial fees that can be used for any funeral costs. Any remaining funds will be paid back to the family
  • Awarded highest Defaqto rating of 5 stars for their Diamond plan
  • After 12 months, if you die before paying all your monthly instalments, your services will be provided*. Dignity will cover the outstanding balance, not your family
  • Work with over 1,200 owned and approved funeral directors throughout the UK
  • Only company to publish an Annual Trust Fund report giving full transparency
  • If you move, the plan moves with you at no additional cost 
  • Use of the chapel of rest for family viewing is included on all plans
  • First company in the UK to be accredited the BSI Kitemark for Customer Service

Lowlights

  • You need to be at least 50 years of age
  • Doctors fees for second death certificate aren’t included.

Dignity funeral plan review - details

Dignity Limited Plan: Guarantees the funeral directors services, cremation and ministers fees or includes largest allowance of £1,220 for burial fees. Times of the funeral service are restricted.

Dignity Amber Plan  Guarantees the funeral directors services, cremation and ministers fees or includes largest allowance of £1,220 for burial fees. Includes a wood effect coffin and no limousine.

Dignity Pearl Plan: Guarantees the funeral directors services, cremation and ministers fees or provides the largest allowance of £1,220 for burial fees. Includes a quality wood effect coffin and one limousine.

Dignity Diamond Plan: Guarantees the funeral directors services, cremation and ministers fees or provides the largest allowance of £1,220 for burial fees; Includes a quality wood coffin and two limousines.

Payment options

You can pay for a Dignity funeral plan a number of ways. Here is a summary of the options with prices shown in the table below.

In Full / or over 12 months – You don’t incur any additional fees for spreading your costs over 12 months. So the 12 month option or paying in one go is the cheapest way to pay.

Monthly payment options – Dignity offer instalments between 1 and 10 years dependent on age with no deposit.

Payment options Limited plan Amber plan Pearl plan Diamond plan

Single payment

£3,095 £3,495 £3,850 £4,195

1 year plan

Total payable

£257.91

£3,095

£291.25

£3,495

£320.83

£3,850

£349.58

£4,195

3 year plan

Total payable

£98.66

£3,552

£110.74

£3,987

£121.46

£4,373

£131.88

£4,748

5 year plan

Total payable

£64.27

£3,856

£71.91

£4,315

£78.68

£4,721

£85.27

£5,116

10 year plan

Total payable

£38.25

£4,591

£42.53

£5,104

£46.32

£5,559

£50.01

£6,001

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Dignity promise

On monthly funeral plans, Dignity promises to cover the cost of your funeral as detailed in your plan if you die before completing your instalments. This means any outstanding balance will be covered by Dignity, not your family.

*The only conditions is that the plan must have been in place for at least 12 months with all your payments up to date.

How secure are Dignity funeral plans?

Dignity is registered with and regulated by the Funeral Planning Authority so therefore has to comply with their strict rules and code of conduct on the service you receive and most importantly how the money is held.

When buying a Dignity funeral plan your money is held in the National Funeral Trust which is a completely separate entity to Dignity, so if anything were to happen to the company, the trust fund with your money in it remains intact and ready to pay for your funeral.

Dignity is also the only company to publish a comprehensive annual Trust Fund Report so there is complete transparency.

Dignity - company review

Dignity is the UK’s leading provider of funeral plans and one the UK’s leading funeral service providers with over 1,200 privately owned or approved funeral directors.

They are also the largest single operator of crematoriums with over 46 locations across Britain (you still have access to all crematoriums throughout the UK with the plan – not just Dignity owned crematoriums).   

As well as selling their plans direct, Dignity is also the company behind the Age UK funeral Plan, the Post Office Funeral Plan and various banks and building societies.

Dignity also provides the funeral benefit option for the SunLife Over 50 Plan & Legal & General over 50 life insurance.  This enables the policyholder to have the policy cash sum paid directly to Dignity and receive an additional £250 contribution towards the cost of the funeral in return.

Our Dignity funeral plan reviews verdict

Dignity is one of the few companies in the UK to offer a full guarantee for cremation and minister’s fees as well as the funeral director’s costs which makes their plans one of the most comprehensive you can buy. The Diamond plan has recently been awarded a 5 star Defaqto rating – the highest possible.

The burial fee contribution can be used in its entirety for any funeral services – such as help with buying the plot, flowers, or the reception – and if there is any money left over, it is paid back to the family or estate With most funeral plan providers this allowance must be used for the actual burial or interment fees and if you don’t use it, you lose it.

The  Dignity Promise is a benefit to monthly payment customers. who won’t have the worry of family paying the balance if they die before the instalments are complete as Dignity will cover any shortfall.

Call us free on 0800 133 7380

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Prefer a paper copy?

Why not request a brochure to review the plan in more detail and then when you're to apply you can complete the enclosed application form or call us and we will do the work for you.

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National Association of Funeral Directors

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