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Funeral Plans v Insurance

You might be relying on, or thinking about taking out an over 50s insurance policy, but this insurance just provides a cash lump sum on your death. It does not guarantee to cover funeral expenses in the future or protect against rising funeral costs.

Changes to inflation mean that when the time comes, the value of your cash lump sum could be worth less than the cost of the funeral.

A Prepaid Funeral Plan (sometimes referred to incorrectly as funeral insurance) gives you certainty, that once paid for all the services included in the plan are covered no matter how much costs go up or how far in the future it is needed.
See how the Prepaid Funeral Plan from Dignity compares Over 50's Insurance.
Things to consider Prepaid Funeral Plan Over 50's Insurance
Does it guarantee to cover the cost of a funeral in the future?

Yes

No

Is it unaffected by changing inflation and low interest rates?

Yes

No

Does it help loved ones with funeral arrangements at the time?

Yes

No

Does it include the services of a trusted and professional funeral director?

Yes

No

Does it offer the option to pay in monthly instalments?

Yes

Yes

Can the Plan be cashed in at any time?

Yes

No

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Guaranteed to cover the cost of the funeral services included in the Plan

Dignity offer affordable Prepaid Funeral Plans payable over a 25 year period making our Limited Plan from just £16.28 a month*, a small price to pay to help reduce the worry about whether your funeral costs will be covered in the future.

*If you spread the cost over more than 12 months there is an extra charge and all payments must be completed by the 85th birthday of the eldest person named on the plan.

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