The services of the Funeral Director are guaranteed to be covered on all plans – in accordance with the Terms and Conditions. The complete cost of a cremation funeral for Copper, Silver, Gold and Platinum plans is also guaranteed – in accordance with the terms and conditions. Certain disbursements may require an additional payment at the time of the funeral but for those plans where an allowance towards disbursements has been included, we will guarantee any increase to these costs in line with the Retail Price Index (RPI). If you have opted to purchase your plan by way of Fixed Monthly Payments, this allowance towards disbursements will increase by 3% per annum.