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Later life planning

Prepaid Funeral Plan

Look after you and your family when it matters most

What is a Prepaid Funeral Plan?

A Prepaid Funeral Plan is a way of prepaying and prearranging your funeral. It fixes specified funeral costs at today’s prices. All three Prepaid Funeral Plans we offer guarantee that, when the time comes, all of the cremation funeral services included in the Plan will be covered, regardless of how much funeral costs may rise in the future. They also all guarantee that for a burial, funeral director services are covered, and a contribution of £1,200 is made towards burial costs.

Help protect your family from rising funeral costs

It’s reassuring to know that you can plan and pay for your funeral in advance, helping to reduce the burden on loved ones when the time comes.

At Yorkshire Building Society we’re pleased to introduce our provider of funeral planning Dignity, one of the UK’s leading providers of pre-arranged funeral plans.

Our relationship with Dignity means we can offer you guaranteed protection against the rising funeral costs covered in the funeral plans, with the added reassurance of expert support and guidance from an established network of funeral directors.

With a Prepaid Funeral Plan no matter how much prices might rise in the future; you’ll never have to pay a penny more for the services in the plan.

How the cost of funerals has risen

Why choose a Prepaid Funeral Plan?

It helps save you money
You can protect against future price increases by fixing the costs of the funeral services in the plan at today’s prices.

It’s a fixed price plan
Once your plan is paid for, you will never be asked to pay a penny more for the services included in the plan.

It’s practical
Take care of funeral arrangements in advance.

It protects your loved ones
Helping to save them both money and worry.

It’s flexible
You can pay with a lump sum or spread the cost over 12 monthly instalments at no extra cost.

It’s straightforward
There are no hidden clauses. If you’re aged 50 or over, you’re guaranteed to be accepted with no health or medical restrictions.

 

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What is included in your plan?

  • The funeral arrangements, including finding a funeral director, deciding on the details and dealing with the services covered in the plan
  • The services of a trusted and professional funeral director
  • The coffin, the hearse and, if selected, limousines
  • The Minister's fees
  • The cremation (for information on burials, see the burial section)
  • A customer service team available 24 hours a day, 365 days a year
  • Advice and bereavement counselling for loved ones
  • A 90 day cancellation period with full refund in case you change your mind during this period

What is not included in your plan

  • Embalming, burial plot, memorial or headstone
  • Minister’s/Officiant’s fee for a service at a different location before the cremation or burial
  • Flowers
  • Catering/wake
  • Fees of doctors or coroners
  • Repatriation from outside mainland Great Britain, Northern Ireland, Jersey, Isle of Man and Isle of Wight
  • Costs for removing artificial limbs and mechanisms such as pacemakers
  • Costs associated with changes in regulations, tax, laws or generally accepted practice, which result in additional costs or affect the conduct of the funeral

This list is an example of only some of the services that are not included in our plans. Please note this list is not exhaustive.


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.

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Taking out a plan is simple and flexible

There is a choice of three funeral plans that all include a range of guaranteed funeral services. You can pay with a lump sum or spread the cost over 12 months at no extra charge, secure in the knowledge that you won’t have to make any future payments for the services in the plan.

How much does it cost?

Single Payment
12 Monthly Payments

There is no extra charge for 12 monthly instalments

Amber — £3,395  11 payments of £282.91 and 1 final payment of £282.99
Pearl — £3,749  11 payments of £312.41 and 1 final payment of £312.49
Diamond — £3,999  £333.25

Prices are valid as at 24 April 2017. Prices are subject to review by Dignity.

Compare our plans

The table below gives a full breakdown of what each plan includes. This information and other details on this page of what's included in the plans and how they differ is also available in our printable document Compare Plans and Pricing Information Sheet (129 KB) .

The Guaranteed Services Amber Pearl Diamond
Advice and guidance on all aspects of the funeral
  •  
  •  
  •  
Guidance on the registration of the death, and collection of all necessary paperwork for the funeral to proceed
  •  
  •  
  •  
Transport of the deceased to the Nominated Funeral Director’s premises (within 50 mile radius). Ferry or air transport is not included and will be chargeable at the time of the funeral
  •  
  •  
  •  
Preparation and care of the body (embalming not included)
  •  
  •  
  •  
Family viewing during normal business hours
  •  
Family viewing during weekdays, by agreed appointment
  •  
Family viewing any time, by agreed appointment
  •  
Coffin (fully lined and fitted, gown included) Wood effect coffin Quality wood effect coffin High quality veneer coffin
Funeral director and staff to attend the service
  •  
  •  
  •  
Provision of a hearse
  •  
  •  
  •  
Limousine to transport family/mourners No Limousine 1 Limousine 2 Limousines
Hearse direct to the crematorium or burial site
  •  
Funeral procession from home to place of worship and crematorium or burial site (service at a separate location before cremation or burial not included
  •  
  •  
Collection of charitable donations
  •  
  •  
  •  
50 ‘thank you’ cards
  •  
  •  
24-hour telephone bereavement counselling
  •  
  •  
  •  

A choice of cremation or burial

Cremation

Each plan provides for a cremation funeral service and will cover the cost of the services shown in the table above.  No matter how much the cost of these services increase in the future, as long as the plan has been paid in full, there will be no more to pay for the services included.

The Guaranteed Cremation Services      
The cremation fee
  •  
  •  
  •  
Minister’s or Officiant’s fee
  •  
  •  
  •  

Burial

A burial funeral is available in the plan, with funeral director costs being guaranteed in the same way as a cremation.

If a burial is required, the Cremation fee and Minister's or Officiant's fee are not covered by the plan. When a burial is chosen, cremation fees are not needed. However, Minster's or Officiant's fees may still be required to be paid. Dignity provide a contribution of £1,200 (rising with inflation) towards these fees and any other services provided by third parties. A contribution is made as burial costs vary widely across the country, so cannot be guaranteed in the same way as a cremation funeral.

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Your money is in safe hands

Dignity places the money paid for their Prepaid Funeral Plan into the National Funeral Trust where the money required for the funeral is looked after carefully until it is needed. This independent Trust Fund is managed with the aim to ensure every Planholder’s money is properly protected. Every year the Trust Fund is audited. Dignity consistently publish an annual report on the Trust Fund available on request from Dignity.

 

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Who are Dignity?

Dignity is a leading provider of funeral related services in the UK and their Funeral Directors and Crematoria have been serving local communities for generations. They have a network of over 1,200 owned or approved funeral directors, with their own directors carrying out 73,500 funerals in 2015 alone.

In a recent customer survey, 98% of the families they served said they would recommend Dignity to their family and friends.

Dignity plc Annual Report and Accounts 2015.

Everything you need to know about the Prepaid Funeral Plan

 

Why we’ve chosen to work with Dignity

Being a society you can trust is what we pride ourselves on. We choose to work with companies who share the same values as us. That’s why we’re pleased to be working with Dignity. Our combined experience means you’re in safe hands.

 

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Apply online

Apply using the online application form on the Dignity website


If you feel you need additional support before applying, please call us on

0800 484 0503*

Request an appointment

To visit us in branch or request a phone call, please enter a town, city or postcode and select a branch of your choice.

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As an intermediary, Yorkshire Building Society acts on your behalf in arranging the Prepaid Funeral Plan. 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. Telephone No. 0121 354 1557. Fax No. 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. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile. *All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Charges to third party numbers may vary. Prices can be checked with the relevant company. Funeral Plans provided by Dignity are not regulated by the Financial Conduct Authority.