www.leedsbuildingsociety.co.uk /dignity

Funeral plans are provided by Dignity Pre Arrangement Limited and are not regulated by the Financial Conduct Authority. Leeds Building Society is appointed by Dignity Pre Arrangement Limited as a distributor of the funeral plans. Dignity Pre Arrangement Limited is regulated by the Funeral Planning Authority.

Prepaid Funeral PlanPlan for tomorrowand enjoy life today

A Prepaid Funeral Plan can help look after your family when they need it most

Why not get in touchCall in at your local Leeds Building Society branch Ring Dignity’s helpline free on:

0800 652 3345* Visit our website: www.leedsbuildingsociety.co.uk/dignity

Email us at: info@leedsbuildingsociety.co.ukWhere you are contacting us by email (and not using our secure email facility) we cannot guarantee the security of your data. Please therefore do not submit any personal, financial or banking information*All calls to 0800 numbers are free whether made from a landline or mobile. Calls may be recorded for monitoring and quality purposes.

2

All of us want to protect our loved ones as best we can, and that’s why pre-paying towards a funeral can be just as important as writing a will.

A Prepaid Funeral Plan is a simple way of paying in advance for funeral services included in the plan. It covers the funeral directors costs for arranging and conducting the funeral, and the crematorium fee and ministers fee as set out in the plan. It also protects those you leave behind from expense, and additional distress at a difficult time.

The plan is available to everyone aged 50 and over and you’re guaranteed to be accepted with no health restrictions or medical questions.

One of the leading funeral plan providers in the UKWe’re very pleased to be able to introduce you to the Prepaid Funeral Plan from Dignity, one of the UK’s leading providers of pre-arranged funeral plans. Dignity can offer a way to guarantee that the services included in your plan are covered, no matter how far in the future the funeral is needed. A plan also gives the added reassurance that your family will receive specialist support and guidance when the times comes, from Dignity’s established national network of trusted funeral directors.

* 2011 - 2019 Matter Communications independent research** 2028 Forecast based on average annual compounded growth rate of 4.43% each year between 2011 and 2019

Average Funeral Costs

Years

£2,971

£4,202

£6,206

£0

£1,000

£2,000

£3,000

£4,000

£5,000

£6,000

£7,000

2011* 2019* 2028**

Funeral costs have continued to rise much faster than the rate of inflation (UK Retail Price Index).

If past trends continue, with rising inflation and low interest rates it’s unlikely any money invested in savings accounts will grow at the same rate as the increasing cost of funerals. This may leave your family with a shortfall when the time comes. However, once paid, a Prepaid Funeral Plan allows you to fix costs at today’s prices, so no matter how much they might rise in the future, you’ll never have to pay a penny more for the services included in your plan.

The rising cost of funerals

3

ALL FIGURES AND ESTIMATES ARE PROVIDED BY DIGNITY

A Prepaid Funeral Plan takes care of the specified funeral arrangements in advance, giving your loved ones some welcome support and one less thing to worry about. And you can personalise your plan by adding in any special requests† you may have, at any time, to make sure every detail is just as you wish.

Help save your loved ones stress and worryWhen your family need to start making arrangements, all it takes is one phone to call to Dignity to set your plan in motion. Your family won’t have the worry of finding a funeral director, deciding on all of the details and dealing with the payments for services covered in the plan.

Dignity’s experienced and dedicated staff will take care of everything in the plan, leaving your loved ones free to add their own tributes.

Your family can also get support every step of the way with practical help on all of the related paperwork from Dignity’s dedicated UK based call centre. All available over the telephone 24-hours a day, 365 days a year. You can be sure a member of the team is available day or night to assist you.

Additionally, your family can call Dignity’s free telephone bereavement advice and support line.

� It helps save you money - by paying at today’s prices you’ll avoid future increases for services included in the plan

� It’s a fixed price plan – you’ll never be asked for a penny more for the services included in the plan

� It guarantees – to be unaffected by changes in interest rates or inflation

� It’s practical – all the arrangements covered by the plan are taken care of

� It protects your loved ones – helping to save them both money and worries

� It’s flexible – you can pay with a lump sum or spread the cost with 12 monthly instalments at no extra costs. Longer instalment options are available up to a maximum of 10 years. Please note that if you spread the cost over more than 12 months there is an extra charge

� It’s straightforward – guaranteed acceptance for those aged 50 or over, with no medical questions

So why take out a Prepaid Funeral Plan?

†Some services may incur additional costs. Please refer to the table on page 7.4

5

The New Dignity Promise If you choose to pay for your plan over more than 12 months, and pass away before you’ve finished paying for it, Dignity will cover your outstanding balance. They won’t ask your loved ones to pay a penny more than you’ve already paid for all the services included in your plan.

That’s the Dignity promise.

All you need to know � The Dignity Promise applies to all payment

terms over more than 12 months � If you pass away more than 12 months

after your funeral plan start date, and your payments are fully up to date, Dignity will cover your outstanding balance

� If you pass away within the first 12 months of your funeral plan start date, only as a result of an accident, Dignity will cover your outstanding balance

� If you pass away more than 12 months after your funeral plan start date and you’ve missed up to two payments, your Funeral Organiser will be asked to pay the outstanding payments before the Dignity Promise will be honoured

� If you pass away more than 12 months after your funeral plan start date and you’ve missed three or more payments, you won’t be covered by the Dignity Promise or the price guarantee, and neither will be valid or effective

Please see the Instalment Payments section of the Dignity Prepaid Funeral Plan Terms and Conditions for further details

Why choose Dignity?

Dignity is one of the UK’s leading funeral plan providers, and conducted 69,400 funerals in the UK in 2019*. They have a network of over 1,200 owned or approved funeral directors nationwide, many of whom have been serving their local communities for generations. In a recent customer survey, more than 98%* of the families they served said they would recommend Dignity to their family and friends.

Your money will be held securelyFor your added reassurance and peace of mind, the money you pay for your plan goes straight into the National Funeral Trust - an independent Trust Fund with over £481 million^ under investment, as at December 2018.

Taking out a plan is easyDignity offers a choice of three funeral plans that guarantee to cover the funeral directors costs for arranging and conducting the funeral, crematorium fee and ministers fee included in the plan.

Once you’ve decided which plan is right for you, you then need to choose which payment option best suits you.

� Make a single one-off lump sum payment by cheque, credit or debit card

� Spread the cost with monthly instalments over a period of 12 months at no extra cost

� Alternatively you can pay by instalments up to a maximum of 10 years by Direct Debit. Please note that if you spread the cost over more than 12 months there is an extra charge and all payments must be completed by the 85th birthday of the eldest person named on the plan

We have three children who have very busy lives, so we thought we would arrange our plans so it would ease the burden for them. We also considered the cost of funerals rising all the time.Mrs Ancell

6

The images featured in this document are posed by models to protect the confidentiality of the people providing quotations.

‘‘ ‘‘

* Dignity plc Annual Report and Accounts 2019. ^National Funeral Trust Annual Report 2018.

7

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†† Fo

r pay

men

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ms b

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mon

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nly.

Plea

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men

t Pay

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th

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Can I choose my funeral director?Dignity have a network of over 1,200 owned or approved funeral directors throughout the UK. Contact Dignity to find out your nearest Nominated Funeral Director.

What happens if I move house?The plan can be used anywhere in mainland Great Britain, Northern Ireland, Jersey, Isle of Man and Isle of Wight. Just tell Dignity your new address and if required they will advise you of your new Dignity Nominated Funeral Director.

Does the plan cover every cost?For a cremation funeral the plans guarantee to cover the funeral directors costs for arranging and conducting the funeral and the crematorium fee and minister or officiants fee in the plan. If you would prefer a burial funeral, further details on what the plan will cover can be found on the table on page 7. You can add special requests to any plan, but there may be some extra charges for things such as flowers or memorials*. Please refer to the table on page 7. Regulatory changes could also mean extra charges might apply, e.g. if VAT became payable on funerals.

What if Dignity goes out of business?All the money you pay for your plan is protected whatever happens to Dignity. The money required for the funeral is held securely in the independent National Funeral Trust, which no one at Dignity can access. In the unlikely event of Dignity going out of business, the Fund Trustees would appoint or create a new company to ensure all funerals are performed.

What if I change my mind, can I have a refund?Yes, you can have a full refund within 30 days. If you cancel after 30 days, a £249 fee will be deducted from any refund due to you. This is to protect the long term stability of the Trust Fund.

Frequently asked questions

Open to see the schedule of plans*This list is not exhaustive

LM2500 (09/20)

All calls to 0800 numbers are free whether made from a landline or mobile. Calls may be recorded for monitoring and quality purposes. Funeral plans are provided by Dignity Pre Arrangement Limited and are not regulated by the Financial Conduct Authority. Leeds Building Society is appointed by Dignity Pre Arrangement Limited as a distributor of the funeral plans. Leeds Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and our registration number is 164992. You can check this on the Financial Services Register by visiting the FCA website at www.fca.org.uk or by contacting the FCA on 0800 111 6768. Head Office: 105 Albion Street, Leeds LS1 5AS. The Prepaid Funeral Plan is provided by Dignity Pre Arrangement Limited. A company registered in England No. 1862158. VAT Reg. No. 486 6081 14. Registered Office: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP. Tel: 0121 354 1557 Fax: 0121 355 8081. Dignity Pre Arrangement Limited is regulated by the Funeral Planning Authority.

Talk to us today Call in at your local Leeds Building Society branch Ring Dignity’s helpline free on:

0800 652 3345 Visit our website: www.leedsbuildingsociety.co.uk /dignity

Email us at: info@leedsbuildingsociety.co.ukWhere you are contacting us by email (and not using our secure email facility) we cannot guarantee the security of your data. Please therefore do not submit any personal, financial or banking information