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Funeral Benefit Option

Add to your plan at no extra cost for a contribution towards the cost of your funeral

Get £250 toward your funeral costs

If you’re planning to use the cash sum from your Guaranteed Over 50 Plan to help cover the costs of your funeral, the Funeral Benefit Option is a great way to put some plans in place – for free. Your cash sum will be paid directly to Dignity Funerals Limited, who will use your cash sum to pay towards the cost of your funeral. They'll also contribute £250 if a Dignity Funeral Director is used to conduct your funeral.

When the time comes, it couldn’t be simpler for your family. All they’ll need to do is make a single call to Dignity and the Dignity Funeral Director will help them through all the arrangements.


How it works

  • It won’t cost you any more to include the Funeral Benefit Option
  • Your cash sum will be paid directly to Dignity Funerals Limited when you die, once you have had your plan for a year or more
  • You can cancel the Funeral Benefit Option and your cash sum will be paid to your estate instead
  • The Funeral Benefit Option is linked to your Guaranteed Over 50 Plan. That means Dignity Funerals will not contribute £250 to your funeral if you cancel your policy
  • A Dignity Funeral Director must be used to conduct your funeral for the £250 to be payable

What you need to know

Eligibility for the Funeral Benefit Option

You can choose the Funeral Benefit Option if you don’t already have it (either on a plan that’s still running or one that’s been cancelled). This includes any over 50s life cover with another insurance provider.

Funeral Benefit Option isn’t available if you already have a pre-paid funeral plan, and we would cancel your Funeral Benefit Option if you take out a funeral plan in the future.

Direct Cremation funerals are excluded from Funeral Benefit Option.

Paying for your funeral

If your funeral costs less than your cash sum and the £250 contribution combined, we’ll pay any money that’s left over to your estate.

If your funeral costs more, your family would need to pay the balance to the Dignity Funeral Director. Please bear in mind that inflation will reduce the value of the cash sum and the £250 contribution.

Your cash sum

If you die before you have had your plan for a year, we wouldn’t pay out the full cash sum. Instead we would pay out everything you’ve paid in – to your estate, rather than to Dignity. However, Dignity would still contribute £250 towards the final cost of your funeral if a Dignity Funeral Director conducts your funeral. Direct cremations are excluded.

Your plan comes with Accidental Death Benefit. If you die as the result of an accident (or within 90 days of an accident because of your injuries) before you have had your plan for a year, the full cash sum will be paid to your estate rather than Dignity. Dignity would still contribute £250 towards the final cost of your funeral if they conduct it.

You can cancel the Funeral Benefit Option at any time before Dignity has been instructed to provide the funeral services. If you cancel, Dignity wouldn’t make a contribution towards your funeral costs.