Your guide to the Prepaid Funeral Plan 2016

Transcription

1 Your guide to the Prepaid Fueral Pla 2016 I am ow i the happy positio of ot havig to worry, or ideed thik about, my fueral at all. I feel quite secure that my wishes will be followed while still leavig my childre with the freedom to fie tue the service as they wish with o fiacial worries. R Steele, Digity Plaholder Web_DIG_GUAR3PLAN_Cover_1215.idd 1 11/11/ :55

2 Welcome Our customers are costatly tellig us that it is importat to them to maitai cotrol over their affairs, keep their idepedece ad protect those aroud them from worry ad axiety. The Prepaid Fueral Pla from Digity helps to do this by relievig the ucertaity of who will take care of fueral arragemets ad pay the associated costs, givig real peace of mid. Takig out a pla is a simple ad straightforward way to esure the costs of a fueral are paid for as well as takig care of fueral arragemets i advace. Ad i today s ucertai ecoomic climate, as log as the pla has bee paid for, you ca rest assured that you will ot be leavig loved oes with a uexpected bill for the service icluded. I hope this brochure will show how a little thought ow ca help you prepare for the future, so you really ca get o with livig for today. If you have ay questios we ca help you with, please call us o Thak you for your iterest i our pla. Michael McCollum Chief Executive Cotets Page 3 Who is Digity? Page 4 What is the Prepaid Fueral Pla from Digity? Page 5 Why you should cosider a Prepaid Fueral Pla from Digity Page 6 Why a Prepaid Fueral Pla from Digity makes sese Page 7 What do the Prepaid Fueral Plas iclude? Page 8 What will Digity do with your moey? Page 9 Frequetly Asked Questios Page 10 Takig out a Prepaid Fueral Pla from Digity is easy 2 Web_DIG_GUAR3PLAN_Cover_1215.idd 2 11/11/ :55

3 Who is Digity? Digity is a British ru compay that provides fueral services to families across the UK. We re the UK s leadig provider of fueral related services, ad because we offer a flexible approach that ca accommodate idividual requiremets, we ca esure that your wishes ad those of your loved oes are met. We aim to give the very highest level of persoal care ad attetio to every family we serve. The UK s leadig fueral pla provider I 1985 we lauched the first fueral pla to be offered i the UK, ad we have bee the market leader ever sice. More tha 675,000 people have made provisios for fueral costs i advace with Digity. I 2014, we coducted over 65,000 fuerals*, with every service beig idividually arraged ad uique to the families cocered. This experiece really has give us a special uderstadig of our customers eeds ad has allowed us to create oe of the most fiacially secure fueral plas available i Britai today. Our plas guaratee to cover the cost of the services outlied o page 7, o matter how much costs rise i the future. Digity has more tha 2,800* dedicated employees workig to serve customers from our local offices i tows ad cities across the coutry. Our fueral directors have helped ad supported families for geeratios. It s reassurig to kow that Digity *Digity Plc Aual Report & Accouts 2014 Fueral Directors ca be relied o to give a carig, compassioate ad professioal service to all the families we serve. I fact, i our customer survey, more tha 99%* of our customers families said that we had met or exceeded their expectatios i terms of the quality of service that we had provided, ad 98%* would recommed us to frieds ad relatives. We are a member of the Fueral Plaig Authority, the professioal body that oversees the operatio of compaies offerig fueral plas. What s more, as the first fueral provider i the UK to be certified as a CarboNeutral service, we are helpig to reduce our impact o the eviromet. Our UK-based Customer Service Cetre is available 24 hours a day, 365 days a year. It is staffed by our friedly Customer Service Advisors who are o had to aswer ay questios you may have. Our people support hudreds of local commuity iitiatives ad charitable evets each year. I 2014 we raised 90,000 for our corporate charity, Marie Curie Cacer Care, ad sice Jauary 2012 we ve raised 246,000. Fudraisig iitiatives icluded charity car washes ad takig part i sposored walks, sky dives ad fu rus. I would strogly recommed the Digity Fueral Pla. Oce you have made the first call ad thaks to all kid ad uderstadig staff it was a very easy process, kowig you ca add requests at ay time is very reassurig. I am delighted with the service I received. M Rogers, Digity Plaholder If you have ay further questios or to take out a pla please call us o _DIG_GUAR3PLAN_Iers_1215.idd 1 11/11/ :51

4 What is the Prepaid Fueral Pla from Digity? It s a way to give yourself welcome peace of mid about the future Just like makig a Will, a Prepaid Fueral Pla from Digity is a sesible ad practical way of plaig for the future. It is a simple way for you to take cotrol of your affairs, gai peace of mid ad help your family at a difficult time. Decidig which arragemets are right for you is easy. There are three idividual fueral plas, each desiged to meet differet eeds. We ve made sure that they cotai the ecessary elemets you would expect i a crematio fueral, please see page 7 for further details of what each pla cotais. With the Prepaid Fueral Pla from Digity you ca rest assured that the moey you pay for your pla is held i a secure idepedet Trust Fud, which will esure the fuds are there to pay the fueral director whe the time comes. You ca read more about how your moey is protected o page 8. Ca I persoalise my pla? We appreciate that people may wat to iclude special requests, such as a favourite hym, piece of music or readig ad perhaps a extra limousie, ad with a Prepaid Fueral Pla from Digity we ca record these special requests for you, so we ca advise your loved oes whe the time comes. Ay costs icurred from these requests may ot be covered by the pla ad will have to be paid for at the time of the fueral. Alteratively, you ca pay a cotributio up frot towards ay additioal requests, meaig your loved oes wo t have to cover the full cost whe the time comes. We also kow that you may wat to chage your mid, so you ca update your list of requests at ay time, with o admiistratio fee beig charged. The Prepaid Fueral Pla does what savigs ad isurace policies ca t it guaratees to cover fueral costs Over the past 15 years the cost of fuerals has rise cosistetly faster tha both iflatio ad the rates of iterest that most people ear o their savigs or ivestmets. With iterest rates curretly lower tha they have bee for years it is eve less likely that your savigs will keep pace with the risig cost of fuerals. By takig out a Prepaid Fueral Pla ow, you are coverig the services i the Pla at the same cost you would pay if the fueral were arraged today, helpig to save you ad your loved oes moey. Who ca take out a pla? If you re aged 50 or over, you ca apply, cofidet i the kowledge that you will be welcomed to the pla. There are o upper age limits, o health restrictios ad o medical questios to aswer. It may be the last lovig thig you ca do for your family. They ca still be ivolved as much or as little as they choose to cope with, peace of mid for all. M Gilroy _DIG_GUAR3PLAN_Iers_1215.idd 2 11/11/ :51

5 Why you should cosider a Prepaid Fueral Pla from Digity We offer a choice of three fueral plas, all of which help to relieve the emotioal ad fiacial worry loved oes may face if they had to make ad pay for the arragemets themselves. It gives you fiacial peace of mid The pla fixes the documeted fueral costs at the price you would pay if the fueral was arraged today. This meas that o matter how far i the future the services are required, as log as the pla is paid for, there wo t be ay extra to pay for the arragemets icluded i the pla. You will have paid i full for the services covered i the pla, with your family oly payig for flowers ad other special requests at the time. Oce it s paid for, it s paid for. Fueral costs cotiue to rise Fueral costs have bee risig steadily ad are still icreasig. The graph shows what a fueral could cost i the future, if icreases cotiue as they have doe over past years. A Prepaid Fueral Pla from Digity guaratees that the cost of the fueral specified i the pla will be covered i full, o matter how much prices rise. 7,000 Risig cost of fuerals Average fueral cost It removes potetial worry about how your fueral will be paid for, especially whe savigs are ofte eeded to fud retiremet. Buyig a fueral pla may help reduce the amout of iheritace tax that may be payable o your estate. The moey you pay for your pla is paid ito the Natioal Fueral Trust a totally idepedet Trust Fud. Digity is the oly major fueral plaig orgaisatio to cosistetly publish a comprehesive Aual Trust Fud Report showig the Trust s performace, which is available o request. As a added reassurace, if you chage your mid or your circumstaces chage you have a full 28 days to get a refud of all the moey you have paid. However, a cacellatio fee is charged if you cacel after 28 days. It gives you persoal peace of mid You will have take care of the fueral arragemets i advace. No decisios will be left to stragers. You will have recorded your wishes i the pla. A well respected ad trusted fueral director will perform the service. 6,000 5,000 4,000 Projected fueral cost 4,777 6,107 It gives peace of mid for your family Your family or Fueral Orgaiser oly eeds to make oe call to Digity or your Nomiated Fueral Director to set your pla i motio. 3,000 2,000 1,000 2,288 2,994 2,225 3,737 Your family will ot be left woderig exactly what type of service you would have wated, as the arragemets are set out i the pla. Digity pays the fueral director the amout of moey due from your pla : Mitel: Fuerals - UK : Matter Research October : Forecast based o average aual compouded growth rate of 6.33% each year betwee 2007 ad A 24-hour telephoe bereavemet advice ad cousellig service is provided for family members. The fueral director will provide your family with complete advice ad guidace. If you have ay further questios or to take out a pla please call us o _DIG_GUAR3PLAN_Iers_1215.idd 3 11/11/ :51

6 Why a Prepaid Fueral Pla from Digity makes sese A prudet way to pay for your fueral A Prepaid Fueral Pla from Digity could make more sese tha puttig moey i a buildig society or over 50s pla, because these wo t guaratee to cover the cost of the arragemets. What s more, oce you have a Prepaid Fueral Pla there is o eed to worry about the moey ot beig available, or about the problems of your family havig to gai access to the moey before the fueral ca be paid for. Also, ad very importatly, baks, buildig societies ad ivestmet compaies wo t orgaise your fueral. Digity will, ad our dedicated fueral directors esure that everythig is implemeted i accordace with your wishes, helpig to reduce some of the stress from your loved oes. The cost of the guarateed services i your pla will be covered i full Digity guaratees that whe the time comes, as log as your pla is paid for, either your family or your estate will be asked to pay a sigle pey more for the guarateed crematio services icluded i your pla. Please refer to the Terms ad Coditios for further details, you ll fid these at the back of the brochure. It is simple ad easy to arrage Buyig a Prepaid Fueral Pla from Digity is simple. Our plas are desiged to cover a crematio fueral service (although burial is available, see page 7), without you havig to visit a fueral director or sped time cosiderig the exact details. The arragemets ca be made from the comfort of your ow home, ad the Applicatio Form is clear ad simple to complete. It s easy for your family too Whe the time comes, all that your family eeds to do is make oe phoe call to Digity. The fueral director will the see to the arragemets, cosult with your family at every stage ad offer helpful advice ad guidace throughout, leavig your family free to focus o their ow persoal tributes. There is a rage of flexible paymet optios Payig for your pla could t be easier. You ca: Make a sigle oe-off paymet by cheque, Postal Order, Debit or Credit Card. Spread the cost over 12 mothly paymets by Direct Debit, at o extra charge. Spread the cost over 5 or 10 years or a period to suit you by Direct Debit*. Please call us if you would like to discuss idividual paymet requiremets. How much does it cost? Amber Pearl Diamod Total Sigle Paymet 3, , , Mothly paymet over 12 moths Total cost of payig over 12 moths 3, , , Mothly paymet over 60 moths* Total cost of payig over 60 moths 4, , , * There would be a extra charge if you spread the cost over more tha 12 moths _DIG_GUAR3PLAN_Iers_1215.idd 4 11/11/ :51

7 What do the Prepaid Fueral Plas iclude? Decidig which pla is best for you The table below shows you what is icluded i the plas we offer, with our most popular pla beig The Pearl. Each pla provides for a crematio fueral service ad will cover the cost of the services show below, o matter how much these prices may rise i the future. If you eed ay help decidig which oe of the plas is right for you, or would like to discuss a burial fueral, please call oe of our friedly UK-based Customer Service Advisors o Guarateed Services Amber Pearl Diamod Advice ad guidace o all aspects of the fueral Guidace o the registratio of the death ad collectio of all ecessary paperwork for the fueral to proceed Trasport to the Nomiated Fueral Director s premises (withi a 20 mile radius, excludig ferry ad air fares) Preparatio ad care of the body (embalmig ot icluded) Family viewig Durig ormal busiess hours Durig weekdays by agreed appoitmet Aytime by agreed appoitmet The coffi Simple coffi Quality wood effect coffi High quality veeer coffi Fueral director ad staff to atted service Hearse Limousie for family/mourers No Limousie 1 Limousie 2 Limousies Trasport to crematorium oly Trasport from home to place of worship (service ot icluded) ad o to crematorium or burial site Collectio of charitable doatios thak you cards hour telephoe bereavemet cousellig Third Party Crematio Costs The crematio fee** Miister s or Officiat s fee** A ote o Doctors Medical Crematio Certificates. I May 2015, a chage i Scottish law meas that for deaths registered i Scotlad there is o loger a requiremet or charge for crematio fuerals to receive a secod doctors certificatio. Similar legislatio is also beig cosidered for the rest of the UK. I aticipatio of this chage we have removed Doctors fees from our plas. If the Plaholder were to pass away before ay chages to the Death Certificatio ad Coroers Reform Act are itroduced ito the rest of the UK, the Doctors fees may still be payable. The Next of Ki or Persoal Represetative would eed to pay these costs at the time of the fueral. **If a burial is required these services are ot icluded i the guaratee. This is because burial costs vary widely so caot be fully guarateed i the same way as crematio. Istead, a cotributio of 1,200, which rises i lie with Iflatio, is made towards burial fees ad ay services provided by third parties (such as Miister s fees). If you are iterested i a burial fueral, please call oe of our Customer Service Advisors o (calls may be recorded for traiig purposes). Please refer to the Terms ad Coditios for further iformatio. If you have ay further questios or to take out a pla please call us o _DIG_GUAR3PLAN_Iers_1215.idd 5 11/11/ :51

8 What will Digity do with your moey? The Prepaid Fueral Pla is specifically desiged to cover fueral costs, so you ca be sure the moey is there whe it s eeded. Your family wo t have to worry about your moey beig froze i a bak accout ad there is o complicated claims process ivolved. May people assume that they will leave eough moey to pay for their fueral, but this may ot be the case, especially as more ad more people are usig their savigs for livig expeses or care fees i later life. This is why it makes such good sese to take out a Prepaid Fueral Pla from Digity ow. The most sesible way to cover fueral expeses The moey paid for each Prepaid Fueral Pla goes directly ito the Natioal Fueral Trust, which was set up i Here it is held securely ad ivested carefully to esure that all of the services i the pla ca be paid for i the future. The Trust is idepedetly maaged by some of the most respected ames i the fiacial idustry to make sure that every Plaholders moey is properly protected. Your moey is held securely Perhaps most importatly, the Natioal Fueral Trust is legally separate from Digity. No-oe from Digity has access to the moey i the Trust ad o moey ca be paid to ay fueral director util after a fueral has take place. The Trust is maaged by some of the most reputable ames i the fiacial idustry, icludig M & G Ivestmet Maagemet Ltd, ad has the Royal Exchage Trust Compay as the Legal Custodia Trustees with some activities beig carried out by Capita Trust Compay. PricewaterhouseCoopers carry out a aual evaluatio of the Trust to esure that the Trust ca meet its obligatios, ad audited aually by Erst & Youg. The Natioal Fueral Trust esures that our members moey is secure ad allows us to meet our obligatio to provide the guarateed services i the pla to every sigle Plaholder. If you would like to receive a free copy of the Natioal Fueral Trust Aual Report please telephoe us o _DIG_GUAR3PLAN_Iers_1215.idd 6 11/11/ :51

9 Frequetly Asked Questios I have savigs ad life isurace, why do I eed a fueral pla? Firstly, because a Prepaid Fueral Pla from Digity will guaratee to cover the cost of the services icluded i the pla o matter how much fueral prices rise or how log you live. Other savigs or ivestmets wo t do this. Secodly, baks ad fiacial compaies wo t orgaise your fueral Digity will. Ca I choose my fueral director? Oly fueral directors who agree to the importat price ad service guaratees are available uder the pla. There are more tha 1,180 fueral directors throughout Britai who are either owed or approved by Digity. Whe you take out a pla, or if you telephoe us i advace, Digity will advise you of your Nomiated Fueral Director. What if Digity goes out of busiess? No matter what happes to Digity i the future, your fueral arragemets are protected because all the moey is ivested i the totally idepedet Natioal Fueral Trust which o-oe at Digity ca access. I the highly ulikely evet of Digity goig out of busiess, the Fud s Trustees would appoit or create a ew compay to admiister all the plas ad esure that all the fuerals are performed. What if I chage my mid, ca I have a refud? Yes, you ca have a full refud of the moey you have paid if you chage your mid or your circumstaces chage withi 28 days. If you cacel your pla after 28 days, a cacellatio fee will be deducted from ay refud due to you. The cacellatio fee has to be charged to protect the log-term stability of the Trust Fud ad to esure that we ca meet the guaratees we promise all our Plaholders. Please refer to the Terms ad Coditios for further details. What happes if I die before I ve fiished payig all the mothly istalmets? The arragemets ad price guaratees i your pla will remai i place provided that the perso arragig your fueral agrees to pay the remaiig paymets i full. A ivoice for the balace will the be raised after the fueral has take place. What happes if I move house? Our fueral plas are portable aywhere i mailad Great Britai, Norther Irelad, Jersey, Isle of Ma ad Isle of Wight. Simply tell Digity your ew address ad we will update our records ad advise you of your ew Nomiated Fueral Director, if required, without charge. What happes oce I ve applied? We will process your applicatio ad sed you a Fueral Pla Documets folder withi 14 days. This will cotai all the iformatio you will eed, plus a secod copy of the details for your relatives or Fueral Orgaiser. Icluded will be istructios o how to implemet the pla whe the time comes ad cotact details so you ca get i touch with us at ay time. If you have ay further questios or to take out a pla please call us o _DIG_GUAR3PLAN_Iers_1215.idd 7 11/11/ :51

10 Takig out a Prepaid Fueral Pla from Digity is easy Just follow these four simple steps: Please tick 4 Step 1 Select the pla that suits your eeds from the table show o page 7. Step 2 Choose your preferred paymet method ad paymet period. You ca pay by cheque made payable to Natioal Fueral Trust;by Credit/Debit Card; or by Direct Debit. Please complete the appropriate sectio o the Applicatio Form or call us o for further paymet optios. Step 3 Sig ad date your completed Applicatio Form. Step 4 Retur your completed Applicatio Form ad ay cheques or Direct Debit istructios i the prepaid evelope provided (you do ot eed to use a stamp). Acceptace is guarateed for everyoe aged 50 or over. There are o medical checks or health questios, whe you apply for a Prepaid Fueral Pla from Digity. As the largest compay i the busiess well established with a prove reputatio the decisio to use Digity was a easy oe. Mr Mallet The testimoials are geuie ad are represetative of the may received from Digity s customers. Digity have prited them with the permissio of the writers. They are available for ispectio, o request. Photographs posed by models to protect customer privacy. 10 If you have ay further questios or to take out a pla please call us o _DIG_GUAR3PLAN_Iers_1215.idd 8 11/11/ :51

11 What do people thik about our fueral plas? I really appreciated how simple the process of orgaisig my pla was. Mrs Close Loved oes will oly have to make oe phoe call to receive all the help they eed, at the time they eed it most. Mr Larer FS IS /DIG/GUAR3PLANCOV/1215 A excellet service that takes ay worries or cocers away kowig that relatives were ot fiacially or emotioally affected at such a sad time. Mrs Barard The Prepaid Fueral Pla is provided by Digity Pre Arragemet Limited. A compay registered i Eglad No VAT registered No Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP. Telephoe No Fax No Part of Digity plc. A British compay. Calls may be moitored or recorded for traiig ad quality purposes. Details correct at time of goig to press. Please recycle this brochure Web_DIG_GUAR3PLAN_Cover_1215.idd 4 11/11/ :55

12 Full prices are valid util 30th November 2016 Applicatio Form 1 Details Of The Proposed Plaholder Please fill i the details of the perso for whom the pla is for: Mr/Mrs/Miss/Other Foreame(s) Surame Address Postcode Date of Birth / / 19 Telephoe No (ic. local code) ^ Please tick here ad fill your details i below if you are applyig for someoe else See Sectio 6 overleaf for further details if this applies Mr/Mrs/Miss/Other Foreame(s) Surame Address Postcode Date of Birth / / 19 Telephoe No (ic. local code) ^ 2 Your Choice Of Pla Ad Preferred Paymet Period Choice of Full Price Sigle Paymet 3 plas (with 50 discout) The Amber 3,585 3, The Pearl 3,935 3, The Diamod 4,335 4, Method Of Paymet (please tick oe box oly) The 50 discout has bee deducted from the prices below Paymet by Cheque (made payable to Natioal Fueral Trust ) 12 equal mothly paymets There is o extra charge for 12 mothly paymets per moth per moth per moth 60 equal mothly paymets There is a extra charge for 60 mothly paymets per moth (Total price 4,080.09) per moth (Total price 4,484.06) per moth (Total price 4,945.73) For other paymet optios or to buy over the phoe call We accept paymet over the phoe by Credit cards, Debit cards ad Direct Debit over the phoe Paymet by Credit/Debit Card Paymet by Direct Debit (please complete sectio below) For your security, if you wat to pay i this way, please write your full telephoe umber i Sectio 1. Oe of Digity s Customer Service Advisors will call you for your details. Paymets are debited o the 25th day of the moth, or the earest workig day after that. Istructio to your bak or buildig society to pay by Direct Debit Capita Trust Compay Limited Re Natioal Fueral Trust: Please fill i the whole form usig a ballpoit pe ad sed it to: Natioal Fueral Trust (c/o Digity), 4 Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP. Name ad full postal address of your bak or buildig society To: The Maager Address: Name(s) of accout holder(s) Postcode: Bak/buildig society Service user umber Referece Istructio to your bak or buildig society. Please pay Capita Trust Compay Ltd Re Natioal Fueral Trust Direct Debits from the accout detailed i this Istructio subject to the safeguards assured by the Direct Debit Guaratee. I uderstad that this Istructio may remai with Capita Trust Compay Ltd Re Natioal Fueral Trust ad, if so, details will be passed electroically to my bak/buildig society. Sigature(s): Bak / buildig society accout umber Brach sort code Date: Baks ad buildig societies may ot accept Direct Debit Istructios for some types of accout. 9212_DIG_3PLANAPP_1215.idd 1 11/11/ :40

13 4 Choice Of Crematio Or Burial Please idicate if you would prefer: Crematio Burial Udecided We are uable to guaratee the cost of burial as prices vary sigificatly from regio to regio. The pla price icludes 1,200 towards burial costs. You may wish to cotribute a additioal amout. If you require a burial, please call us o to discuss your requiremets. See the Terms ad Coditios for full details. 5 Do You Have Ay Special Requests? You may have some special requests that you would like oted. For example, a certai hym, poem or readig. If you kow what your special requests are, please fill i the details below. If you would prefer you ca retur your Applicatio Form ow ad otify us of ay special requests i the future. Please ote some special requests may icur a additioal cost. Where relevat, special requests may be subject to the approval of the church or local authority. (PLEASE COMPLETE IN BLOCK CAPITALS) Please cotiue o a separate sheet if you eed to 6 Sigature Ad Date I wish to apply for the pla as described i the brochure provided with this Applicatio Form ad subject to the Key Features Summary ad the Terms ad Coditios. I uderstad that I ca cacel my pla withi 28 days ad receive a full refud. If I wish to cacel my pla after this time a 395 cacellatio fee will be deducted from the moey refuded. Please ote, the sigature below eeds to be the perso fillig out this form, so if you are applyig o behalf of someoe else, please sig your ame, ot theirs. All correspodece relatig to the pla will be set to the perso sigig this form. Sigature 8 Sig here Date Prit ame 8 Data Protectio Act 1998 Oce you have purchased a fueral pla, Digity will process your persoal iformatio for the purpose of admiisterig your Pla ad this may ivolve cotactig you by mail or telephoe to iform you of ay iformatio relevat to your Pla. Digity is the provider of the fueral pla. If you were itroduced to Digity by oe of our busiess parters, the we may provide your details back to the Parter who itroduced you to Digity for the purposes of updatig their records. Please tick if you do ot wish to be kept up to date o other products ad services brought to you by Digity or other relevat third parties. ^By givig us your address, you are agreeig to be kept up to date by o products ad services from Digity or other relevat third parties. You may obtai a copy of your persoal iformatio held by Digity by writig to: Data Protectio Officer, 4 Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP. A fee, ot exceedig the statutory maximum, may apply. Have You Completed the details of the perso whom the pla is for? 2. If you are applyig for a fried or relative completed your persoal details as well as the details of the pla holder? 3. Selected your pla ad the paymet period, i.e. lump sum or oe of the mothly istalmet optios? 4. Ticked your preferred paymet method ad if payig by Credit or Debit Card, completed your telephoe umber i Sectio 1, or eclosed your cheque if appropriate, or completed the Direct Debit Istructio overleaf? 5. Siged ad dated the form above? 9212/DIG/3PLANAPP/1215 Please use the prepaid evelope provided to retur the form to us or post to: Digity, 4 Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP. The Prepaid Fueral Pla is provided by Digity Pre Arragemet Limited. A compay registered i Eglad No VAT registered No Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP. Telephoe No Fax No Part of Digity plc. A British compay. Calls may be moitored or recorded for traiig ad quality purposes. All calls to 0800 umbers are free of charge. If you have ay questios call us FREE o we will be happy to help 9212_DIG_3PLANAPP_1215.idd 2 11/11/ :40

14 Prepaid Fueral Pla Terms & Coditios Web_DIG_CCPTCS_1215.idd 1 05/11/ /11/ :36 14:50

15 Terms ad Coditios Digity Prepaid Fueral Pla The Digity Prepaid Fueral Pla (the Pla ) provides the fueral services set out i the Amber Pla, Pearl Pla ad Diamod Pla so log that you make all of the paymets i accordace with the detail set out i your Pla. Defiitios I these terms: Additioal Special Requests Form meas the form, which we will sed to you after we have received your Applicatio for the Pla, which allows you to otify us of ay alterative or additioal Special Requests; Agreemet meas the writte agreemet betwee us made up of the Applicatio, the Fueral Pla Schedule, Fueral Pla Services Documet, Key Features Summary ad these Terms ad Coditios; Applicatio meas the Applicatio form you have completed ad either retured by post, submitted olie via a website or portal or completed over the telephoe; Fueral Pla Schedule meas the schedule settig out all the details of your Pla, which we will sed to you oce we have received your Applicatio for the Pla; Fueral Pla Services Documet meas the documet settig out the details of the services which are guarateed by the Pla, which we will sed to you oce we have received your Applicatio for the Pla; Iflatio meas a sustaied icrease i the geeral level of prices for goods ad services measured as a aual percetage icrease i lie with the Retail Prices Idex; Istalmet Charge meas the additioal paymet icluded i the price of ay Pla where istalmets are beig paid over a term beyod 12 moths; Key Features Summary meas the documet summarisig the key features ad beefits ad exclusios ad limitatios of the Prepaid Fueral Pla to allow you to assess whether it meets your requiremets; Nomiated Fueral Director meas the fueral director, the details of which are set out i the Fueral Pla Schedule, or such other fueral director as we may appoit to carry out your chose fueral; Plaholder meas the perso amed i the Fueral Pla Schedule whose fueral is covered by this Pla; Persoal Represetative meas your Persoal Represetative(s) after your death, as defied by the Admiistratio of Estates Act 1925; Pla meas the fueral Pla you have chose, as govered by the Agreemet; Price Guaratee meas the price guaratee i respect of the Nomiated Fueral Director charges or ay crematio fueral costs idicated as guarateed i the Agreemet; Special Requests meas ay persoal wishes as to how you would like your fueral performed which have bee otified to us i your Applicatio, Additioal Special Requests Form, by , i writig or over the telephoe; Trust meas the Trust described i more detail i the Care of your Moey sectio below; we or us or our refer to Digity Pre Arragemet Limited ad our details are set out below; ad you or your or applicat meas the perso applyig for the Pla. Do You Qualify For This Pla? This Pla is available to Plaholder s who are aged 50 or over at the date of applicatio. This Pla covers the cost of certai fuerals provided they are coducted i mailad Great Britai, Norther Irelad, Jersey, Isle of Ma or Isle of Wight. The fueral must be coducted i the territories metioed above. The Pla does ot cover the costs of repatriatio. Your Pla Paymet As the purchaser of this Pla, the rights ad beefits set out i this Agreemet accrue to you ad you are resposible for makig paymets to us i accordace with this Agreemet. If you have amed a differet perso as the Plaholder o the Applicatio, the rights ad beefits set out i the Agreemet will evertheless accrue to you ad ot to the Plaholder. What the Pla Covers What Your Pla Icludes Subject to these Terms ad Coditios, ad as set out below, details of the services guarateed by your Pla are set out i the Fueral Pla Services Documet. Oce you have fully paid the amouts set out i the Pla, we promise to cover these goods ad services at o further charge to your Persoal Represetative. This Price Guaratee oly applies to the services set out i the What the Pla Covers sectio. Your Nomiated Fueral Director Your Pla covers the services of the Nomiated Fueral Director to provide the goods ad services described i your Agreemet after receipt by us of the Applicatio. If ay of the goods or services, which are to be directly provided by the Nomiated Fueral Director, are ot available at the time of the fueral we will provide a alterative of at least equal quality ad value at o further charge. 9212_DIG_CCPTCS_1215.idd Web_DIG_CCPTCS_1215.idd 2 11/11/ :50

16 If your Persoal Represetative does ot agree to the alterative arragemets, we may cacel the Pla ad refud to your estate ay moies due less a 395 cacellatio fee. We will appoit the Nomiated Fueral Director to carry out your chose fueral. If the Nomiated Fueral Director caot for ay reaso perform your fueral, we will appoit a alterative Nomiated Fueral Director for you. Please ote that we reserve the right to appoit a differet or ew Nomiated Fueral Director to carry out your chose fueral for ay reaso. We will iform you before we do so. Chage of Address The Pla provides for your fueral to be carried out by the Nomiated Fueral Director. You must otify us at the address show at the ed of this documet of ay permaet chage of address so that, if appropriate, we will appoit a alterative Nomiated Fueral Director for you. Crematio Services If you choose or have chose a crematio fueral as part of your Pla, the price you have paid for your Pla will cover; 1. The crematio fee charged by the crematorium. We reserve the right to select the crematorium used. This will usually be a crematorium close to ad ormally used by the Nomiated Fueral Director. The crematio fee does ot iclude ay additioal charges made by the crematorium, for example, ay cost payable to the crematorium for use of a orgaist. 2. The Miister of Religio or Officiat s fee, up to the maximum amout recommeded by the Church of Eglad Stiped Authority. I the uusual evet that the, Miister or Officiat charges more tha the recommeded amout, the you or your Persoal Represetative will be resposible for payig that additioal amout to the Nomiated Fueral Director. Burial Fueral If you require a fueral with burial, your Nomiated Fueral Director will arrage certai services which are provided by third parties, for example, the provisio of a burial plot, diggig a ew plot or opeig a existig grave, ad cemetery fees ad fees for a Miister of Religio or Officiat may also be payable. However, as the cost of these services varies widely throughout mailad Great Britai, Norther Irelad, Jersey, Isle of Ma ad Isle of Wight, therefore your Pla does ot guaratee to cover these costs. Your Pla cotais a cotributio towards these burial costs ad other third party costs. The curret rate is 1,200, which will rise i lie with Iflatio. We will advise your Persoal Represetative of the value of the burial cotributio at the time of arragig the fueral. If the cotributio towards burial costs does ot cover the actual burial costs i full your Persoal Represetative will be required to pay the additioal sum at the time of the fueral. Where the actual burial cost is less tha the value of the cotributio towards burial costs, we will either repay the differece to your Persoal Represetative, or put it towards other fueral costs icurred at the time. What the Pla Does Not Cover The Pla icludes the services described i the Fueral Pla Schedule, which forms part of the Agreemet. The cost for other services, for example a memorial, headstoe, flowers, ad caterig are ot icluded i the Pla. If you would like to make a provisio for services ot already icluded i your Pla you may do so by makig a cotributio towards these costs. We will the make sure the value of that cotributio icreases i lie with Iflatio. However, if that cotributio does ot cover the the curret rate for those goods or services, you or your Persoal Represetative must pay the differece betwee the value of your cotributio (adjusted for Iflatio) ad the actual cost at the time of the fueral. Where the actual cost is less tha the value of your cotributio we will repay that differece to you or your Persoal Represetative. Ay fees payable to doctors or a coroer for the issue of death or crematio medical certificates, or coroers certificates will ot be icluded i your Pla ad if they are charged for they will eed to be paid for separately at the time of the fueral. Your Special Requests You may ask for Special Requests for your fueral, but if these icur additioal costs they will fall outside the Pla ad will ot be covered by the Price Guaratee. Oce you have otified us of ay Special Requests, we will sed you a Special Requests Certificate cofirmig these Special Requests. Your Special Requests will be used as a guide for your Persoal Represetative ad the Nomiated Fueral Director. You are etitled to make a cotributio paymet towards the cost of ay Special Requests ad ay cotributio you do pay towards Special Requests will be icreased each year i lie with RPI iflatio. But we do ot guaratee that your cotributios will cover the cost of all of the Special Requests. Your Persoal Represetative will be advised of the value of this cotributio at the time of arragig the fueral. If you have ay queries please call Digity Pre Arragemet Limited o There are a umber of commo requests which icur additioal costs which are ot icluded i the Pla. These might iclude (but are ot limited to): a additioal charge for coductig the burial, crematio or fueral service o a weeked or public holiday; a religious or other service where the veue charges for the use of that veue, heatig, a orgaist, choir, etc; Web_DIG_CCPTCS_1215.idd 3 11/11/ :50

17 if the crematorium charges extra for music, choir or a orgaist, or ay other services (icludig ay levies). Extra Charges Save i respect of ay service specified as paid for i the Agreemet we may charge reasoable extra amouts for the followig requiremets: the removal of mechaisms such as pacemakers (which must be removed before a crematio); ay doctors or coroers fees that the fueral director is asked to pay o your behalf; providig a fueral which is ot a ormal fueral service; coductig the fueral, burial or crematio o a weeked, at a uusual hour or public holiday; or ay adjustmets to prices that reflect the additioal cost to us of ay chage i regulatios, tax, laws or geerally accepted practice, ad affect the coduct of the fueral. Repatriatio ad Trasport This Pla does ot cover the costs of repatriatio from outside mailad Great Britai, Norther Irelad, Jersey, Isle of Ma ad Isle of Wight to the Nomiated Fueral Director. If we eed to trasport the Plaholder to or from a distace of more tha 20 miles of the proposed fueral site, crematorium or burial place or if we eed to icur ferry or air fares, we may charge you reasoable additioal costs, less ay cotributio towards the cost of travel specified i your Pla. Care Of Your Moey All paymets you make are passed to the Royal Exchage Trust Compay Limited as custodia trustee of the Natioal Fueral Trust (the Trust ) to be held i accordace with the Trust deed of the Trust. Followig the trasfer of Royal Exchage Trust Compay Limited to Capita plc, some activities are carried out by Capita Trust Compay Limited uder a Power of Attorey. Paymets are made out of the Trust to us for fuerals whe they are performed, ad for the cost of offerig, sellig ad admiisterig the Plas, ad for refuds to Pla purchasers. Istalmet Paymets If you choose to pay for your Prepaid Fueral Pla by istalmets the followig rules will apply: If you choose to pay by istalmets of more tha 12 moths Where istalmets are beig paid over a term beyod 12 moths a Istalmet Charge is required because the Trust does ot have all the moey to ivest at the Plas iceptio. If the Plaholder dies before all of the istalmet paymets for the Pla have bee paid We will provide the fueral i accordace with this Agreemet. However, your Persoal Represetative will be resposible for payig the outstadig istalmets due at the time of the fueral. If you fail to pay all of your istalmet paymets If ay istalmet is ot paid withi 60 days of its due date, the Price Guaratee i your Pla will lapse. However, provided that the Pla has ot bee cacelled, your Persoal Represetative may request, ad we may agree, to arrage for the fueral to be carried out by the Nomiated Fueral Director. The cost of the fueral will the be charged at the Nomiated Fueral Director s the curret market rate ad we will credit ay istalmet paymets already made towards the cost of the fueral. For these purposes the value of the paymets made will be icreased aually i lie with Iflatio, from the date o which the Price Guaratee has lapsed to the date of the fueral. Your Persoal Represetative will be liable to pay the differece betwee the amouts paid (subject to Iflatio) ad ay outstadig amout to the Nomiated Fueral Director. If ay istalmet is ot paid withi 60 days of its due date ad the Pla has ot bee cacelled, you may reistate the Pla by restartig paymet. However, the total amout payable for the Pla will be icreased to the the curret price of the Pla you have chose. We will take accout of paymets already received, icreased by Iflatio from the date the Pla lapsed, ad we will adjust future istalmets accordigly. Cacellatio You have 28 days from the date you receive your Agreemet to decide that the arragemets you have made meet your requiremets ad that you do ot wish to cacel your Pla. If you do decide to cacel your Pla, you must: otify us by completig ad returig the cacellatio form etitled Notice of the Right to Cacel which will be icluded with the documets that make up your Agreemet or otherwise otify us i writig, by telephoe or by ; - Digity Pre Arragemet Limited, 4 Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP plaifo@digityuk.co.uk Web_DIG_CCPTCS_1215.idd 4 05/11/ /11/ :36 14:50

18 Ay otificatio of cacellatio should specify all of the followig details: (i) the Pla umber; (ii) the full ame ad address of the Plaholder (iii) the Plaholders date of birth; ad (iv) a telephoe umber ad/or address for cotact purposes should there be ay issue with the cacellatio. There will be additioal security questios where the Pla is cacelled by telephoe or by . Provided we receive such otificatio withi 28 days of eterig ito the Agreemet, we will refud all the moey you have paid withi 14 days of us receivig otificatio of cacellatio. If you wish to cacel your Pla after the Cacellatio Period, we will refud ay moey you have paid, less a cacellatio fee of 395, withi 14 days of us receivig otificatio of cacellatio. I the evet that the Pla is ot used ad cacellatio is requested after the death of the Plaholder we may require additioal iformatio from the perso cacellig the Pla before we ca complete the cacellatio. Ay refud will be made to the perso who origially paid for the Pla or to the Plaholder s estate. We may cacel your Pla by givig otice to you if: a istalmet remais upaid more tha 60 days after it is due; a fueral director is appoited idepedetly by you who is ot a Nomiated Fueral Director; the fueral is to be coducted outside mailad Great Britai, Norther Irelad, Jersey, Isle of Ma or Isle of Wight; or the fueral caot be performed because of circumstaces outside our cotrol or outside the cotrol of the Nomiated Fueral Director (for example war, terrorism, or riot). If we cacel the Pla, we will refud ay moey you have paid, less the 395 cacellatio fee, ad we will have o further obligatios to provide the beefits set out i the Pla. The Pla is desiged to cover fueral costs ad is ot a ivestmet product, ad we will ot pay iterest o moey refuded. Value Added Tax ( VAT ) VAT is ot curretly charged o a fueral service. However, if VAT or ay other form of tax becomes chargeable o a fueral service or part of it i the future, you or your Persoal Represetative must pay the VAT or additioal tax at the time of the fueral. If you are payig for ay Special Request as part of your Pla the ay third party suppliers who provide those goods or services may charge VAT, which we will pay ad recover from you, or your Persoal Represetative. The Agreemet Oce we have cofirmed your Applicatio for the Pla, the followig documets all make up the Agreemet: your Applicatio the Fueral Pla Schedule the Fueral Pla Services Documet the Key Features Summary these Terms ad Coditios Please keep these documets i a safe place for the attetio of your Persoal Represetative. You are advised to discuss your fueral arragemets with the perso who will be your Persoal Represetative. These documets together make up the Agreemet cocerig your fueral arragemets. Aythig which is ot documeted i writig i the Agreemet will ot be effective. If there is ay ambiguity betwee the documets, the terms set out i this documet take precedece over the others. Eglish law shall apply to this Agreemet. If aythig i this Agreemet is ivalid or ueforceable, the this Agreemet will be iterpreted as if that part were modified or deleted to make it valid ad eforceable, ad the rest shall remai i force. If we fail to exercise or delay i eforcig our rights (such as our right to cacel the Pla i the evet of upaid istalmets), such failure or delay will ot restrict our rights to do so, ad a waiver of ay such rights or of ay breach of ay term will ot be deemed to be a waiver of ay other right or ay later breach. You may propose a chage to the Pla, but o chage will take effect uless it is agreed i writig. If you wish to chage your Pla the this will take effect through a ew Agreemet. Please call Digity Pre Arragemet Limited o if you wish to chage the terms of your Pla. The Agreemet is persoal to you ad may ot be assiged (trasferred) or made the subject of ay trust, mortgage or charge give as security for ay obligatio to ay third party. Oly you or your Persoal Represetative is etitled to claim the rights or beefits set out i this Agreemet. The Nomiated Fueral Director may also claim the rights or beefits set out i this Agreemet. Otherwise, o other perso (icludig the Plaholder or their Persoal Represetatives) has 9212_DIG_CCPTCS_1215.idd Web_DIG_CCPTCS_1215.idd 51 11/11/ :50

19 ay right uder the Cotracts (Rights of Third Parties) Act 1999 to eforce ay term of this Agreemet. This does ot affect ay other rights these people may have. These Terms ad Coditios apply to all Plas etered ito from 1/12/2015. How To Make A Complait We make every effort to excel i the service we provide. However, if you feel we have ot met your expectatios, please cotact our Cliet Liaiso Officer who will ackowledge your complait withi 2 workig days ad will do their utmost to esure ay complait is dealt with as quickly ad efficietly as possible. Cotact details are as follows: Cliet Liaiso Officer 4 Kig Edwards Court Kig Edwards Square Sutto Coldfield West Midlads B73 6AP Telephoe: clietrelatios@digityuk.co.uk If you are dissatisfied with the respose from us you ca take the matter further. Digity Pre Arragemet Limited is registered with the Fueral Plaig Authority (FPA), a idepedet orgaisatio whose Code of Practice we follow. The FPA ca be cotacted by; Telephoe: (Calls to this umber cost 5p a miute plus your phoe compay s access charge) ceo@fueralplaigauthority.co.uk Web: Direct Debit Guaratee This Guaratee is offered by all baks ad buildig societies that accept istructios to pay Direct Debits. If there are ay chages to the amout, date or frequecy of your Direct Debit, Capita Trust Compay Limited Re Natioal Fueral Trust will otify you 10 workig days i advace of your accout beig debited or as otherwise agreed. If you request Capita Trust Compay Limited Re Natioal Fueral Trust to collect a paymet, cofirmatio of the amout ad date will be give to you at the time of the request. If a error is made i the paymet of your Direct Debit, by Capita Trust Compay Limited Re Natioal Fueral Trust or your bak or buildig society, you are etitled to a full ad immediate refud of the amout paid from your bak or buildig society. - If you receive a refud you are ot etitled to you must pay it back whe Capita Trust Compay Limited Re Natioal Fueral Trust asks you to. You ca cacel a Direct Debit at ay time by simply cotactig your bak or buildig society. Writte cofirmatio may be required. Please also otify us. The Prepaid Fueral Pla is provided by Digity Pre Arragemet Limited. A compay registered i Eglad No VAT Registratio No Registered office: 4 Kig Edwards Court, Kig Edwards Square, Sutto Coldfield, West Midlads B73 6AP. Telephoe No: Fax No: Part of Digity Plc. A British compay. Digity Pre Arragemet Limited is regulated by the Fueral Plaig Authority. Calls may be moitored or recorded for traiig ad quality purposes. All calls to 0800 umbers are free of charge whether made from a ladlie or mobile phoe. 9212/DIG/1/CCPTCS/1215 Web_DIG_CCPTCS_1215.idd 6 11/11/ :50