Age UK funeral plans review

  • 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
  • 5 star Defaqto for the Age UK Rowan funeral plan
  • 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, offers a high-quality service and complete security for you and your family.

Read our Age UK Funeral Plans Review to understand the benefits and pitfalls; and then read our other funeral plan reviews.

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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 funeral plans and other products and services under a new brand – Age Co. So Age UK funeral Plans have now been renamed Age Co Funeral Plans.

Which funeral plans do Age Co offer?

Age UK offer four funeral plans in total which include their Basic Plan, the Ivy, the Holly and the Rowan. For the purpose of this funeral plan review we will be looking at all of the plans on offer.

Basic Funeral Plans – includes a full guarantee for 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 also a full guarantee for the cremation fees and ministers fees.

If the family prefer burial, then the plan includes a full guarantee for the funeral services as mentioned above 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 the basic 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.

Ivy Funeral Plans – includes a full guarantee for the funeral directors help and guidance, transportation and care of the deceased, use of the chapel of rest, a standard coffin, hearse, 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 as mentioned above and an allowance of £1,220 for burial fees, the plot and minister’s fees which increases each year in line with inflation.

Holly Funeral Plans – includes a full guarantee for the funeral directors help and guidance, transportation and care of the deceased, use of the chapel of rest, a midrange 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 as mentioned above and an allowance of £1,220 for burial fees, the plot and minister’s fees which increases each year in line with inflation.

Rowan Funeral Plans - includes a full guarantee for the funeral directors help and guidance, transportation and care of the deceased, use of the chapel of rest, a high quality coffin, hearse, two limousines 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 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 guaranteed?

The all important part of the funeral plans review that helps 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

The plan includes a full guarantee for cremation services however 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 would include 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 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 the law is soon to change which means this will not be relevant in the near future.

For burial fees, there is an allowance of £1,220 or whatever that has increased to over the years as it has grown in line with inflation. Depending 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?

To assist in your funeral plan review, Defaqto the independent researcher of financial products has rated Age UK Funeral Plans according to their level of service.

The Age UK Rowan funeral plan was rated 5 stars, which is the highest rating achievable. To see their full list of funeral plan Defaqto ratings, please click here.

How can I be sure my money is safe?

When you pay for an Age UK 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 therefore regulated by the Funeral Planning Authority which ensures that they demonstrate now and on an ongoing basis that they comply with their rules and strict code of practice.

Payment options

With a Single Payment

You can choose to pay 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 25. 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.

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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 as mentioned for monthly payment funeral plans.

Can I choose either a burial or cremation service?

The Age UK Funeral plan can be used for either cremation or burial services.

Can I cancel my plan?

With an Age UK funeral plan there is no cancellation fee, so if you change your mind at any time, you can cancel the plan and receive a full refund.

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 their funeral plans.

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

What happens if I move?

If you move, 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 feature with Age Co funeral plans is that you receive a full guarantee for the cremation services included in the plan, this means the family will never have more to pay.

In addition if you choose the burial option, any remaining allowance that isn’t used for burial costs will be returned to the family or the estate.

Our Age Co review verdict

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

There is no cancelation fee and all plans guarantee that the services included for a cremation funeral will be provided with nothing more for your family to pay.

We don't sell their plans, but if you wish to compare other leading plans please go to our "compare funeral plans" section. 

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