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Life Planning
Later Life Planning

Last year I bought my funeral plan. This year Fifi's joining the family.

Buy your prepaid Funeral
Plan today, live more
tomorrow.

What is a prepaid Funeral Plan?

The prepaid Funeral Plan is a way to prepay and prearrange a funeral.

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

Each plan also covers the crematorium fee and Minister or Officiant's fees or, where a burial is requested, provides a £1,220 contribution towards burial costs which rises in line with inflation.

Once paid in full, each plan guarantees to cover the services listed in the plan, regardless of how much prices rise or when the funeral is needed.

Help protect your family from rising funeral costs

A prepaid Funeral Plan not only avoids loved ones being left with an unexpected bill to cover the cost of the sevices in the plan, it will also allow you to document your funeral wishes in advance. This can ensure your loved ones don't end up spending on things they think you would have wanted, and so can focus on their own personal tributes.

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, once you've paid 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 to arrange and conduct the funeral
  • The coffin, the hearse and, if selected, limousines
  • For a cremation, the Crematorium and Minister or Officiant's fee or
  • A contribution of £1,220 towards a burial funeral (rising with RPI inflation)
  • 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?

Plan Single Payment
or 12 Monthly Payments
There is no extra charge for paying in 12 monthly instalments
Amber  £3,495  £291.25 for 11 months and 1 final payment of £291.25
Pearl   £3,875  £322.91 for 11 months and 1 final payment of £322.99
Diamond   £4,135  £344.58 for 11 months and 1 final payment of £344.62

Prices valid as at 15 December 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.

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 (126 KB) .

  Amber Pearl Diamond

GUARANTEES

Covers the funeral director costs included in your chosen plan for a cremation or a burial funeral
  •  
  •  
  •  

For a cremation funeral the plan also covers:

  • the crematorium fee (at a local crematorium)
  • the Minister of Religion or an Officiant’s fee (equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fees
  •  
  •  
  •  

For a burial funeral the plan also provides:

 

  • a generous contribution of £1,220 towards burial costs, plot and Minister’s fees

This contribution increases each year in line with the Retail Price Index (RPI) for the Plan’s duration

  •  
  •  
  •  

MAKING THE ARRANGEMENTS

Support from a nationwide network of owned or approved Funeral Directors

    Over 1,200 funeral directors

    Over 1,200 funeral directors

    Over 1,200 funeral directors

Personal and regular contact with the family to provide advice and guidance on all aspects of arranging the funeral
  •  
  •  
  •  
Guidance on the registration of the death and collection of all necessary paperwork for the funeral to proceed
  •  
  •  
  •  

CARE OF THE DECEASED

Collection and transportation of the deceased to the Funeral Director’s premises, at any time, 24 hours a day (within a 50-mile radius, excluding ferry or air fares)
  •  
  •  
  •  
Preparation and care of the body (embalming not included)
  •  
  •  
  •  
The Coffin Wood effect Quality wood effect High quality wood veneer
Viewing of the deceased in a private chapel of rest by agreed appointment Normal Office Hours Weekdays Anytime

THE SERVICE

Funeral Director, driver and pallbearers to attend the service
  •  
  •  
  •  
Hearse
  •  
  •  
  •  
Limousine for family/mourners None One Two
Funeral procession

(Fees and costs of a service at a separate location not included)
Directly to the crematorium or burial site To a service location, then onto the crematorium or burial site To a service location, then onto the crematorium or burial site
Mutual agreement on the time and day of the funeral during normal office hours
  •  
  •  

FLEXIBILITY

If you move home your plan moves with you to a new Nominated Funeral Director, at no extra cost
  •  
  •  
  •  
Personalise the plan at any time by documenting “Special Requests” such as hymns and readings 1
  •  
  •  
  •  
Ability to make additional contributions towards Special Requests during the lifetime of the plan. Any contributions will increase each year in line with Retail Price Index (RPI)
  •  
  •  
  •  

ADDITIONAL SERVICES

24 hour telephone bereavement advice and counselling service
  •  
  •  
  •  
Complimentary thank you cards
  •  
  •  

 

1Some 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).

Your choice of cremation or burial

All plans guarantee to cover the funeral director costs 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 cremation, the plans cover the crematorium fee and Minister or Officiant's fee.

Where a burial is requested, the plans provide a £1,220 contribution towards burial costs which rises in line with inflation. Burial costs can't be guaranteed in the same way as a cremation as costs vary widely across the country.

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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 are one of the UK’s leading providers of funeral plans and funeral-related services. They have a network of more than 1,200 owned or approved funeral directors with their own directors conducting 70,700 funerals in 2016 alone†. Dignity has also helped over 740,000 people plan their funeral in advance.

Dignity delivers funeral services with distinction, continually striving to set the highest standards possible for funeral services, facilities and care. So wherever you see the Dignity name, you see a reassuring sign of quality. In a recent customer survey, over 97% of the families they served said they would recommend Dignity to their family and friends.

Dignity plc Annual Report and Accounts 2016.

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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How the plan works

Step 1:

Choose a funeral plan that suits you from the three we offer. The cost of the services in your plan will be fixed at today's price. Once paid for, your loved ones won’t need to pay a penny more for any of the services included in your plan.

Step 2:

Once you've taken out your Funeral Plan, keep the Planholder Pack that Dignity send you in a safe place until it is needed (they will also send you a second copy for the person you nominate as your Funeral Organiser).

Step 3:

Rest assured that even though it may be many years before your funeral plan is actually used, your money will be protected. All the money you pay for your Plan is placed into a secure fund, the National Funeral Trust Fund, that is completely independent of Dignity.

Step 4:

Add or amend special requests at any time. Special requests allow you to personalise the plan - and you can add as much or as little detail as you wish.*

Step 5:

When the services from your Funeral Plan are required, your Nominated Funeral Organiser just has to make one phone call to Dignity to put the plan into motion.

Step 6:

Dignity nominate a Funeral Director to organise the funeral in accordance with the plan and in consultation with your Funeral Organiser.

Step 7:

The Dignity Nominated Funeral Director is paid directly from the National Funeral Trust Fund and as long as the plan has been paid in full, your loved ones will have no more to pay for the services in the plan.*

 

*Please note that some special requests will incur a charge above the cost of the plan

 

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Frequently asked questions

What is included in each plan?

There are three plans to choose from. Each plan includes the services of a trusted and professional funeral director to arrange and conduct the funeral, along with the coffin, the hearse and, if selected with the Pearl or Diamond plan, limousines.

For a cremation, the Crematorium and Minister or Officiant’s fee is covered. For a burial, a contribution of £1,220 is made towards burial fees.

For full details of what is included in each plan, click here and compare plans.

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What payment options are available?

You can pay for your plan with a one-off payment by cheque, postal orders or credit or debit card. Or you can spread the cost over 12 monthly payments by Direct Debit.

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Can I add special requests into my plan?

Yes, you can add special requests at any time by calling Dignity. They’ll document the requests within your plan at no cost, and will advise if there are any costs incurred from these requests. For example if you have requested an additional limousine. You can contribute towards the cost of special requests, and the amount contributed will rise in line with RPI. If you decide not to contribute, any additional costs relating to special requests would need to be paid for at the time of the funeral by the person arranging the funeral.

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How will my loved ones know what to do when I pass away?

When the plan is set up, Dignity will send you a Plan holder pack that tells you everything you need to know. This includes important information for your Funeral Organiser who is the person who you would like to put your plan into motion when the time comes. The pack also explains how you can add personal touches or request extra services to your plan if you wish.

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Do I have to live in the UK to buy a plan?

The plan covers the cost of certain funerals, as long as they’re conducted in mainland Great Britain, Northern Ireland, Jersey, the Isle of Man or the Isle of Wight. You need to be able to provide a fixed UK address in order for Dignity to allocate a Nominated Funeral Director. If you reside abroad, Dignity would anticipate you having family in the UK if you intend for your funeral to be conducted here, so you could provide the address of a relative. The plan does not cover the cost of repatriation from outside of Great Britain, Northern Ireland, Jersey, the Isle of Man or the Isle of Wight

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Can I specify a burial with the Prepaid Funeral Plan?

A burial funeral is available. All plans guarantee to cover the funeral director costs 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.

Where a burial is requested, the plans provide a £1,220 contribution towards burial costs which rises in line with inflation. Burial costs can't be guaranteed in the same way as a cremation as costs vary widely across the country. 

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What happens if Dignity goes out of business?

The money for the funeral would still be protected because it is legally separate from Dignity. In the unlikely event that Dignity were to go out of business it may however mean that they would be unable to provide the funeral they had promised to provide. If this happened the Managing Trustees of the National Funeral Trust would work with the remaining Nominated Funeral Directors, and where necessary seek to appoint new Nominated Funeral Directors, to continue to provide services to Plan holders.

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What if I change my mind – can I have a refund?

From the date you receive your Plan holder pack, you have 90 days to cancel the plan and receive a full refund. If you cancel after that time there’s a £395 cancellation fee, which will be deducted from the refund.

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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.