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Frequently asked questions

If you have any questions about Age Co Prepaid Funeral Plans, please do not hesitate to get in touch.

Call free on 0800 033 4733* 0800 033 4733*

A UK based Customer Service Team are available 24 hours a day, 7 days a week to answer any questions you have.

Alternatively see below for a list of answers to the questions that are more commonly asked.

Age Co Funeral Plans are provided by Dignity and brought to you by Age UK Enterprises Limited.

Age UK Enterprises Limited is a commercial arm of Age UK and donates its net profits to that charity.

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For over 25 years, Age UK Enterprises Limited has worked with Dignity, a leading funeral services provider. Dignity has a long history of serving local communities across generations. They support our values of care, transparency and professionalism.

Dignity and the Age Co Funeral Plan are regulated by the Funeral Planning Authority, the professional body which protects the interests of consumers in the funeral planning sector.

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Setting up an Age Co Funeral Plan is quick and easy. You can purchase a plan online, over the phone or by application form. Once you have taken out a plan you’ll receive your Planholder’s Pack in the post within 7-10 days.

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Acceptance to the Age Co Funeral Plan is guaranteed whatever your state of health and there are no age limits, as long as you are aged 50 or over.

The plans do not include:

  • Embalming.
  • The cost of special requests such as memorials, flowers, catering, newspaper obituaries etc.
  • Transport of more than 50 miles from the Nominated Funeral Director. Any charge for any additional miles will be payable to the Nominated Funeral Director at the time.
  • The cost of removal of mechanisms such as pacemakers (which must be removed before a cremation).
  • Costs for conducting the funeral, burial or cremation on a weekend, at an unusual hour or public holiday.
  • Any additional charges passed to us due to changes in regulations, tax, laws or generally accepted practice.The cost of repatriation outside mainland Great Britain, Northern Ireland, Jersey, Isle of Wight or the Isle of Man (Basic Plan not available on the Isle of Man).
  • Any Doctor’s fees and Coroner’s fees.

Other plan limitations include:If the plan is paid for by instalments and the funeral is required before the final payment has been paid, your funeral organiser would have to pay the outstanding balance at the time of the funeral. outstanding balance at the time of the funeral. Value Added Tax is not currently charged on a funeral service. However, if this or any other tax becomes chargeable on a funeral service or part of it your Personal Representative must pay the tax at the time of the funeral.

Basic Plan limitations:

  • There is a restricted choice from approx 800 funeral directors.
  • A restricted choice of date and time for the funeral will be available. Typically this means that with the Basic Funeral Plan the service will take place before 10.30am or after 3.30pm Tuesday - Thursday.
  • You may not make any financial contribution payments towards the costs of any Special Requests.
  • Not available on the Isle of Man.

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There is a choice of four prepaid funeral plans, offering a range of different services so that you can choose how you want your funeral to be. Any special requests, such as a favourite hymn or reading can be added as part of your application. If you request flowers or other elements that may incur a cost you can pay a contribution towards an Ivy, Holly or Rowan Plan at the time of purchase or your funeral organiser would have to pay for those services at the time of the funeral. You can't make any financial contribution payments towards the cost of any special requests for the Basic Plan.

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Dignity will allocate a Funeral Director to your plan. For the Ivy, Holly & Rowan Plans there are over 1,300 Nominated Funeral Directors and for the Basic Plan there are approximately 800 Nominated Funeral Directors across the UK. You may choose a funeral director from the relevant list. However, you cannot choose a funeral director that is not part of the list. If you would like your plan allocated to a specific funeral director please contact us before you purchase. We may allocate your plan to a different Nominated Funeral Director if required.

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If you’d like to take out a plan for two people there are two options:

You can either take out two individual plans which will give both of you the benefits of fixing funeral costs included in both plans at today’s prices. Or if you can’t afford this right now, Joint Plans are also available.

A Joint Plan attaches both your names to a single plan. A Joint Plan can be taken out for any two people. It doesn’t have to be your spouse or partner; you can take out a Joint Plan with any family member or friend.

A Joint Plan will hold both of your individual requests, but will only be used towards the cost of one funeral. When the first Planholder passes away, the remaining Planholder can make the decision to set the Plan in action or retain the Plan for their own use.

Many people take out a Joint Plan because they wish to plan for the future but they may not have the funds for two plans at the time. Taking out a Joint Plan provides the peace of mind for the future that the cost of at least one funeral will be covered.

Joint Plans are particularly useful for couples in instances where the remaining individual may not have the funds to cover the costs of their partner’s funeral. For instance, they may not be able to release any of their assets, such as selling the family home, to cover the cost of the funeral. A Joint Plan can be used to provide that security.

For more details, call the customer service team on 0800 033 4733*

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Yes‚ as long as they are aged 50 or over. There are no upper age limits. We won’t send the Planholder’s pack to the named individual; instead all communications will be with the person who purchased the plan. Find out more about buying a funeral plan for someone else.

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The Age Co Funeral Plan does not impose any cancellation fees. So should you need to, you can cancel your plan at any time and get back all the money you have paid towards your plan.

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The money you pay towards your Funeral Plan is held in the Trust for Age UK Funeral Plans. This is an independent Trust Fund where the money required for the funeral will be held safe and secure until it is needed.

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You have a choice of either cremation or burial. With both options the cost of the Funeral Director’s fees for arranging and conducting the funeral will be covered.

If you decide to opt for a cremation an Age Co Funeral Plan guarantees to cover the cremation and minister’s fees^, as set out in your plan.

If burial is your preferred choice, your plan will include a contribution towards burial costs. An Age Co Funeral Plan will provide £1,220 towards burial costs, and this contribution is guaranteed to rise each year in line with Retail Price Index (RPI).

Find out more about cremation and burials.

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Please call our customer service team on 0800 022 3243 to discuss environmentally-friendly funeral services and coffins available in your area.

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It takes just one telephone call from your Executor or nominated funeral organiser to set your Age Co Funeral Plan into action. Everything they need to know can be found in the funeral organiser pack provided when you take out the plan and we will support them at every step.

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The Age Co Funeral Plan guarantees to cover the full cost of the funeral director’s services for arranging and conducting the funeral, Minister’s fees^ and the cremation fee, as set out in your plan. This applies regardless of how far in the future your plan is needed and how much costs may have risen. Once you have taken out an Age Co Funeral Plan these costs are frozen at today’s prices and guaranteed never to increase for you and your loved ones.

If you have chosen a burial, the contribution of £1,220 will increase each year in line with Retail Price Index (RPI). This contribution can be used for any element of a burial, including a plot.

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There is no need to worry. Your funeral can still be provided in accordance with your plan, even if you pass away before the payments are complete. Your funeral organiser would simply need to agree to meet any outstanding balance on the plan in order for the funeral to go ahead. If your funeral organiser decides not to use your plan they can choose to cancel the arrangement. For more information please refer to the cancellation information above.

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If you have a query about an existing plan or you need to activate a plan after someone has died, you can call the Customer Service Team on 0800 033 4733* and they will be happy to help you, whatever your query may be.

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Your plan will remain in place even if you move home. A new Nominated Funeral Director will be appointed if appropriate. If you wish to remain with the same Nominated Funeral Director, you can do so, but there will be a fee for extra mileage over 50 miles.

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View the full Terms and Conditions.

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