Age UK funeral plans review - Now Age Co

  • All the services included in the plan for cremation funerals are fully guaranteed
  • One of the highest allowances of £1,220 for burial fees
  • Nationwide Dignity owned or approved funeral director coverage
  • Now known as Age Co for funeral plans

Age UK funeral plans or Age Co as they are now known are one of the UK’s largest providers of prepaid funeral plans. An Age Co funeral plan guarantees to cover the services included, providing security for you and your family. Once you have read this review you can compare funeral plans not only in terms of costs, but benefits and guarantees.

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Who is Age UK?

Age UK is largest UK registered charity for older people; formed in the UK in 2009 by the merger of the original charities Age Concern and Help the Aged.

AgeUK provides help, information and advice on a wide range of products and services to aid people through later life.

In addition to their charity work, they also offer a variety of financial services such Age UK Funeral Plans, various types of insurance including car insurance and travel insurance and Equity release, to name but a few.

Age UK now market their financial services as Age Co. So Age UK funeral Plans are now Age Co funeral plans.

Which funeral plans do Age Co offer?

Age UK offer four funeral plans:

Age Co Basic Funeral Plans – includes the funeral directors advice and guidance, transportation and care of the deceased, use of the chapel of rest, a basic coffin, hearse, services on the day and the cremation fees and ministers fees.

If the family prefer burial, then the Age Co funeral plan includes a full guarantee for the funeral services as well as an allowance of £1,220 for burial fees, the plot and minister’s fees which increases each year in line with inflation.

With this plan the times of the funeral service are restricted to before 10.30 or after 3.30pm on a Tuesday to a Thursday and there is also a restricted choice of approximately 800 Dignity owned funeral directors.

Age Co Ivy Funeral Plans – includes the funeral directors help and guidance, transportation and care of the deceased, use of the chapel of rest, a wood effect coffin, hearse, services on the day and also guarantees the cremation and ministers fees.

If the family prefer burial, then the plan includes a full guarantee for the funeral services and an allowance of £1,220 for burial fees, the plot and minister’s fees which increases each year in line with inflation.

Age Co Holly Funeral Plans – includes the funeral directors help and guidance, transportation and care of the deceased, use of the chapel of rest, a quality wood effect coffin, hearse, one limousine for family, services on the day and also a full guarantee for the cremation and ministers fees.

If the family prefer burial, then the plan includes a full guarantee for the funeral services and an allowance of £1,220 for burial fees, the plot and minister’s fees which increases each year in line with inflation.

Age Co Rowan Funeral Plans - includes the funeral directors help and guidance, transportation and care of the deceased, use of the chapel of rest, a high quality wood veneer coffin, hearse, two limousines for family, services on the day, a journey to a separate location in the procession before the vrematorium of burial site and the cremation and ministers fees.

If the family prefer burial, then the plan includes a full guarantee for the funeral services as mentioned and an allowance of £1,220 for burial fees, the plot and minister’s fees which increases each year in line with inflation.

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What funeral services are guaranteedwith the Age Co funeral plan?

This important part of our Age Co funeral plan review will help you understand whether your family will have anything left to pay when the time comes:

  • Guaranteed Services

All Age Co funeral plans guarantee the services included for a cremation funeral are fixed at today’s prices, with nothing more to pay in the future.

  • Service Not Guaranteed

If you prefer burial, then the Age UK funeral includes a guarantee for the funeral directors services and an allowance of £1,220 for burials costs. This could help with the actual interment fees, a burial plot, headstone or the minister’s fees.

What’s more, this allowance increases each year in line with RPI and if there is any money left over, it is actually paid back to the family or the estate.

Will there be more for my family to pay?

All of the services included in the Age Co prepaid funeral plan for a cremation service are completely guaranteed with nothing more to pay – no matter when it is in the future.

The Age UK funeral plan doesn’t include payment for a second doctor’s certificate if that is required however a proposed change in the law means this will not be relevant in the future, although theer is no date set for this change.

For burial fees it will depend on the total cost. The family would need to pay any balance if the burial costs are higher than the allowance included in the plan.

What is the Age Co Defaqto rating?

Defaqto the independent researcher of financial products has rated Age Co funeral plans according to their level of service.

The Age UK Rowan funeral plan was rated 5 stars, which is the highest rating achievable.

How can I be sure my money is safe in an Age Co funeral plan?

When you pay for an Age Co funeral plan, your money is held in the ‘Trust for Age UK Funeral Plans’ which is a totally separate entity to Age UK Enterprises Limited. This means that if anything were to happen to Age UK, the trust fund with your money in it remains safe.

It’s also important to add that Age Co Funeral Planning is registered with and regulated by the Funeral Planning Authority which ensures that they must comply with the FPA's rules and strict code of practice.

Payment options

With a Single Payment

You can choose to pay for an Age Co funeral plan in one go or spread your payments over 12 months without incurring any additional fees. This is the cheapest way to buy an Age UK funeral plan.

Monthly Instalments

If you prefer to spread your costs over a longer period, then monthly instalment options are available between 1 and 10 years. You do need to have completed the payments by the time you are 85 which will dictate the length of the instalment terms available to you.

You do incur additional administration fees for spreading your costs over a longer period but you also have the flexibility to make additional payments if you have spare cash at any stage, which will in turn bring these costs down.

What’s more, Age Co will honour the services specified in your plan if you die before paying all your instalments, just as long as you have been paying instalments for at least 13 months and your payments are up to date.

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Is there an age limit?

You have to be at least 50 years of age to be eligible for an Age UK funeral plan. There is no upper age for payment in full or over 12 months however there is the 85 year threshold for monthly payment funeral plans.

Can I choose either a burial or cremation service?

Any of the Age UK funeral plans can be used for either cremation or burial services.

Can I cancel my plan?

Yes you can cancel an Age Co funeral plan. If you do so within the 30 day review period you will receive a full refund. If you cancel after the 30 days you will still receive a refund minus a cancellation fee of £249.

Who will my funeral director be?

Your funeral director will be one of the 1,300 funeral directors Dignity use. These are comprised of approximately 800 privately owned Dignity funeral directors and 500 approved independents who accept Dignity funeral plans.

The only exception is with the Age Co Basic funeral plan, where the funeral director has to be one of the 800 Dignity owned companies.

What happens to my funeral plan if i move home?

If you move home in the UK, just let Age Co know your new address (anywhere in the UK) and the plan will be moved at no extra cost.

Do Age Co funeral plans offer any additional features?

The main features of the Age Co funeral plans are that:

  1. You receive a full guarantee for the cremation services included in the plan,so the family will never have more to pay for these services.
  2. If you die before you have paid all your instalments, Age Co will still provide the services as detailed in your plan and there will be nothing more to pay. You just need to have paid into the plan for at least 13 months and be up to date with the payments.

  3. If you choose the burial option, any remaining allowance not used for burial costs will be returned to the family or the estate.

Our Age Co funeral plan review verdict

Age Co offer some of the UKs most comprehensive funeral plans. They are regulated by the Funeral Planning Authority and comply with their rules and strict code of practice as to how your money is held and the service you receive.

All plans guarantee that the services included for a cremation funeral will be provided with nothing more for your family to pay. Also, they guarantee that after you have been paying instalments for at least 13 months, the services specificed in your plan will be provided if you die before completing your payments.

Our Offer

We have chosen to partner with Golden Leaves as their Silver, Gold and Platinum plans are competitively priced and fully guarantee your cremation & ministers fees at today's prices. This means your family will have nothing more to pay for the services included.

And Golden Leaves are the only company to offer monthly payment plans with immediate cover. So you can choose a plan you can afford, comfortable in the knowledge you are fully covered immediately for the services included

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Updated 10th December 2021
by Ashley Shepherd
Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

claire shepherd
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