over 50s life cover plus funeral funding option

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1 250 Contribution from The Co-operative Funeralcare over 50s life cover plus funeral funding option use your over 50s life cover plus to pay towards your funeral costs In partnership with

2 worried about funeral costs? Preparing for your funeral now will give your family less to worry about when you re no longer here. The death of a loved one is stressful enough for family members without them having to worry about all the costs associated with a funeral. We ve teamed up with The Co-operative Funeralcare the UK s leading Funeral Director, to allow you to arrange for a payment direct from your policy towards your funeral expenses. It costs you nothing more and will give your family that extra peace of mind. 2

3 support, care and reassurance when it matters most the funeral funding option Our funeral funding option allows you to charge all or part of your policy proceeds to The Co-operative Funeralcare. Charge is the name of the process that means the cash lump sum from your policy is used to pay towards your funeral costs and sent directly to the Funeral Director at the time of settling the funeral bill. Please remember that your Engage Mutual policy is not a Funeral Plan and would not necessarily meet the full cost of a funeral. why The Co-operative Funeralcare? We have chosen to team up with The Co-operative Funeralcare because they are the UK s leading Funeral Director with a long and distinguished heritage. There is a nationwide network of over 1,200 Co-operative owned Funeral Homes. They are members of both the National Association of Funeral Directors and the Funeral Planning Authority, so you can rest assured they will provide your family with support, care and reassurance when it matters most. 3

4 a 250 Contribution towards funeral costs If you have chosen the funeral funding option with The Co-operative Funeralcare they will make a 250 Contribution towards your funeral costs. This will go towards the cost of your funeral provided it is arranged with The Co-operative Funeralcare, another participating Co-operative or an affiliated Funeral Director. See page 6 for more details. how is your funeral paid for? It s unlikely that the sum assured from your over 50s life cover plus will be exactly the same amount as the cost of your funeral. If the combined value of the sum assured and the Contribution is more than the cost of your funeral, your funeral will be covered in full. The excess will then need to be claimed from us by your nominated beneficiary or the administrator of your estate. example 1 sum assured more than funeral cost sum assured 4,700 plus the Co-operative Funeralcare Contribution 250 minus funeral cost 3,500 balance of your Engage Mutual policy payable to your estate or nominated beneficiary 1,450 However, if the payout is less than the cost of your funeral, your loved ones will be responsible for settling the balance with The Co-operative Funeralcare Funeral Director at the time of arranging the funeral. example 2 sum assured less than funeral cost sum assured 2,500 plus the Co-operative Funeralcare Contribution 250 minus funeral cost 3,500 balance payable to The Co-operative Funeralcare Funeral Director 750 4

5 if you die within the first 2 years If you die within the first 2 years of taking out your policy the funeral funding option will not apply. Instead, we ll return 150% of the premiums to your estate, or in the case of accidental death, three times the sum assured up to a maximum of 48,000. However, your loved ones will still be able to use the 250 Contribution towards the cost of the funeral if it is arranged by The Co-operative Funeralcare. adding our funeral funding option is simple All you have to do is complete the enclosed application form, tick which policy you would like to add the funeral funding option to and sign section 3. You can find a list of your current Engage Mutual over 50s life cover plan(s) on the application form which is attached to your letter. If you have more than one policy please make sure that you only tick one box. When selecting a policy, please bear in mind that the average funeral cost is 4,314*. Once you have done this and signed the form just return it in the envelope provided no stamp required. When this has been processed we will send you the confirmation that we ve added the funeral funding option within 5 working days. Then within 6 weeks after you will receive a Documents Folder from The Co-operative Funeralcare, providing full details of the funeral funding option and the Certificate showing The Co-operative Funeralcare Contribution. make your funeral requests known Your funeral requests can be recorded with The Co-operative Funeralcare - such as choice of crematorium, hymns, music, readings etc. When the time comes, the Funeral Director will discuss them with your loved ones when arranging the funeral. * Source: Figures from Brass Research, October ,314 is the average cost of a burial in the UK. 5

6 a few things to note important things to remember you can only add the funeral funding option to one plan. If you have multiple plans with us please make your selection carefully if you already have a plan with another provider that has been charged in favour of The Co-operative Funeralcare, you cannot add the funeral funding option to a policy from Engage Mutual please remember that a policy is not a Funeral Plan and would not necessarily meet the full cost of your funeral the funeral funding option only applies if the funeral is provided by one of The Co-operative Funeralcare Funeral Homes, another participating Co operative or an affiliated Funeral Director the funeral funding option will take precedence over any nominations made against a policy. Once the funeral funding option has been cancelled it cannot be reinstated. You can only have one funeral funding option with The Co-operative Funeralcare at any one time if you make a serious illness claim, the benefit payable to The Co-operative Funeralcare will reduce. In the event of a terminal illness claim then the money is paid to you and the policy closed, however the 250 Contribution will still be offered by The Co-operative Funeralcare if they are providing your funeral services. 6 The Co-operative Funeralcare 250 Contribution is only valid when your Engage Mutual over 50s life cover plus has a funeral funding option with The Co-operative Funeralcare is only valid for the funeral of the Policyholder. As you can only take out funeral funding option with one over 50s plan to The Co-operative Funeralcare (whoever the policy provider is), you can only have one Contribution towards the cost of a funeral is only valid when The Co-operative Funeralcare, another participating Co-operative or affiliated Funeral Director conducts the funeral can be used towards the cost of a funeral provided it is arranged through The Co-operative Funeralcare, another participating Co-operative or an affiliated Funeral Director has no cash value at any time cannot be applied once the funeral has been arranged cannot be applied if your over 50s life cover plus from Engage Mutual has lapsed.

7 your questions answered what happens if once I ve added a funeral funding option to my Engage Mutual over 50s life cover plus I stop paying the premiums? If you stop paying your premiums for any reason your life cover will cease and the funeral funding option would be removed meaning The Co-operative Funeralcare will not provide the 250 Contribution towards your funeral costs. what if I want to add the funeral funding option to a policy from another insurance provider to The Co-operative Funeralcare? You can only have one funeral funding option with The Co-operative Funeralcare whether this be a policy from Engage Mutual or a policy from another insurance provider. what if my loved ones want to use the policy proceeds for my funeral but not with The Co-operative Funeralcare? If your loved ones decide not to use The Co-operative Funeralcare to arrange the funeral, they can write marking the letter for the attention of Customer Services at the following address: Engage Mutual Assurance, Hornbeam Park Avenue, Harrogate, North Yorkshire HG2 8XE. Engage Mutual will inform The Co operative Funeralcare that they would like to cancel the funeral funding option. The Co-operative Funeralcare would remove the funeral funding option and the policy proceeds would be paid to your estate or nominated beneficiary. The Co operative Funeralcare Contribution would not be valid. what if I die abroad? If you die abroad and wish to have your funeral conducted in mainland Great Britain or Northern Ireland, The Co-operative Funeralcare will be able to arrange repatriation to the UK. The Funeral Director will advise your loved ones of the costs which will, if they wish, be included in your funeral amount. Provided that your funeral is arranged with The Co-operative Funeralcare the funeral funding option and The Co-operative Funeralcare Contribution will still apply. 7

8 add your funeral funding option online at engagemutual.com/ffo call free on Calls may be recorded for security and training purposes. Calls are free from UK landlines only. Lines open: Monday - Friday 8am-8pm, Saturday 9am-4pm. or complete and return the enclosed application form Engage Mutual Assurance, Hornbeam Park Avenue, Harrogate HG2 8XE tel: fax: Engage Mutual Assurance is a trading name of Homeowners Friendly Society Limited (HFSL), registered and incorporated under the Friendly Societies Act 1992, Reg. No. 964F. HFSL is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. HFSL s Financial Services Register number is You can check this on the Financial Services Register at register or by contacting the FCA on Engage Mutual Services Limited (EMSL)(Company Registration Number ) is a non-regulated wholly owned subsidiary company of HFSL. EMSL will introduce customers to The Co-operative Funeralcare. The Co-operative Funeralcare is not authorised or regulated by the FCA or the PRA but is a member of the Funeral Planning Authority and the National Association of Funeral Directors /001

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