Legal & General - Over 50s Insurance

The plan you are applying for is designed to meet the needs of people who are looking for a guaranteed acceptance life insurance plan to pay a cash sum upon death. If this plan meets your needs please continue with the application. The following questions must only be answered by the person to be insured and they must be resident in England, Wales, Scotland or Northern Ireland.

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Why do you need this plan? This will help us give you relevant product information. (select all that apply)

For my funeral

For my loved ones

For other reasons

We ask this question so we can understand why our customers are applying for this product and to allow us to present the most relevant information suited to their needs. Please tick all options that apply

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You must be between the ages of 50 and 80, a UK resident and have spent at least 183 days in the UK in the last tax year.

Day

Month

Year

In the last 12 months have you used tobacco, e-cigarettes or nicotine replacement products?Help - More info - Smoker Status

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'Yes, Regularly' means more than once a week.
'Yes, Occasionally' means once a week or less.

Yes, Regularly

Yes, Occasionally

None at all

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Select Your Cover Level

You will pay

Cash sum on death

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Full cash sum payable after 1 year

Immediate cover for accidental death

Premiums payable until age 90

Guaranteed acceptance - no medical

You've indicated that this plan will be used towards the cost of your funeral:
Did you know that the UK average cost of a funeral in 2019 was £4,202 *

* 2011 - 2019 Matter Communications independent research.

If you pay a little more each month you could get a bigger cash sum.

Funeral Benefit Option

If you are looking to leave a cash sum to help contribute towards funeral costs you can get an extra £300 towards your funeral. Find out more about free Funeral Benefit Option here.

Add free Funeral Benefit Option

I understand that the cash sum will be paid directly to Dignity Funerals Limited and a Dignity Funeral Director will make the funeral arrangements. Dignity will then contribute £300 towards funeral costs.

Before adding the Funeral Benefit Option, please ensure you read the terms and conditions which will provide you with full details.

Dignity are regulated by the Funeral Planning Authority (FPA), and are not regulated by the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA).

WHAT IS THE FUNERAL BENEFIT OPTION?

Dignity Funerals Ltd (Dignity) will pay an additional amount towards the cost of your funeral provided the funeral is carried out by one of Dignity's Funeral Directors. This amount will not be shown in your Policy Schedule. A Welcome Pack will be sent by Dignity to you within 28 days of you taking out the Funeral Benefit Option. In this you will find all the details you need to know about the Funeral Benefit Option including a Funeral organiser pack containing information to pass to your next of kin to ensure they know what to do when the time comes. When you take the Funeral Benefit option your Fixed Life Insurance Plan or Increasing Life Insurance Plan is charged to Dignity. This means that in the event of your death Dignity is paid the benefit from your policy and Dignity adds the additional amount to your benefit which will be used towards the cost of your funeral.

HOW DO I INCLUDE THE FUNERAL BENEFIT OPTION?

You can take out the Funeral Benefit Option on the policy start date, or at any point before your death, however you can only add this feature once. This includes any Funeral Benefit Option you may have with another life insurance provider. Also, if you already have a pre-paid Funeral Plan with Dignity you can't take up this offer, and if you were to take out a Funeral Plan in the future, your Funeral Benefit Option would be cancelled. You can choose this option by contacting us.

WHAT HAPPENS IF THE BENEFIT AMOUNT CHOSEN IS DIFFERENT TO THE COST OF THE FUNERAL?

If the benefit plus the additional amount from Dignity is more than the amount required to provide the funeral service, the remainder will be paid by us to your legal representative. If the benefit plus the additional amount from Dignity is less, the difference would need to be paid to Dignity’s Funeral Director by your legal representative.

WHAT HAPPENS IF DIGNITY IS UNABLE TO PROVIDE THE FUNERAL?

If Dignity is unable to provide a funeral service we will search for an alternative provider. If we are unable to find a suitable alternative, the benefit will be paid to your legal representative.

WHAT IF YOU OR YOUR FAMILY DO NOT WANT DIGNITY TO PROVIDE THE FUNERAL?

a) If your legal representative decides after your death that they do not want the funeral service with Dignity the charge can be removed at this stage. The benefit will then be paid to your legal representative provided the benefit has not already been paid to Dignity.
b) If you decide you do not want the funeral or you want to remove the charge please contact us. We will tell Dignity that the charge has been removed and the liability for Dignity to provide the funeral will end. On your death the benefit will be paid to your legal representative.

HOW TO MAKE A CLAIM WITH DIGNITY

In the event of death, a claim can be made by contacting Dignity on 0800 151 3789. Lines are open 24 hours a day, every day of the year. Calls may be monitored or recorded. Call charges will vary. You can also write to Dignity at:

Dignity Funerals Limited
4 King Edwards Court
King Edwards Square
Sutton Coldfield
West Midlands
B73 6AP

When your legal representative is making a claim, Dignity will need the following:

Your full name and address and date of birth
Your policy number, and
Your Funeral Service Provider member number

Dignity will check with us that all premiums have been paid and that the charge is still in place, prior to providing the funeral service. If you die after the moratorium period, we will pay the benefit to Dignity. Dignity will then provide an additional contribution of £300 towards your funeral costs if they carry out your funeral. If you die within the moratorium period due to an accident, we will pay the benefit to your legal representative. If your legal representative chooses Dignity to carry out the funeral then they will provide an additional contribution of £300 towards your funeral. If you die within the moratorium period for any reason other than an accident, we will refund any premiums you paid to your legal representative. If your legal representative chooses Dignity to carry out the funeral then they will still provide an additional contribution of £300 towards your funeral.

Cover Summary