The Fairways Pre-paid Funeral Plan. Your Guide

Transcription

1 The Fairways Pre-paid Funeral Plan Your Guide

2 2 Why are Pre-paid Funeral Plans a good idea? A Pre-paid Funeral Plan allows you to plan and pay for your funeral in advance and ensure that your funeral will be carried out as you want it to be. By being prepared today, you will be helping your loved ones tomorrow. If you ve been thinking or talking about arrangements for your own funeral, then why not take the next step and plan your funeral with a Fairways Pre-paid Funeral Plan? By taking out a Pre-paid Funeral Plan you can: Relieve your family of much of the worry and uncertainty - by specifying the funeral arrangements you would like. Reduce the financial burden on those you leave behind - by covering the cost of the funeral arrangements as detailed in the Pre-paid Funeral Plan. Protect yourself from rising funeral costs in the future - by securing the cost of your funeral today. Record your personal wishes for your funeral - by taking out a Tailor-made Plan or expressing your Funeral Requests with a Set Funeral Plan. With a choice of Funeral Plans to suit your needs, The Fairways Pre-paid Funeral Plan gives you complete peace of mind.

3 Why choose The Fairways Pre-paid Funeral Plan? 3 Trust us to provide a personalised Plan that s kept safe until you need it, We will carry out your funeral just the way you want and take care of your loved ones when the time comes. The Fairways Difference No hidden costs Unlike some other Funeral Plan providers, The Fairways Pre-paid Funeral Plan guarantees all third party charges included in the Plan, as well as our Funeral Director fees for either a cremation or burial service. This means there will be no more to pay no matter how prices rise. If at any point in the future you choose to move to another part of the country, and you d prefer to change your nominated Funeral Director, you can do this and there will be no fees to pay. Your money is safe We are required by UK Law to invest all Funeral Plan monies in a regulated Whole of Life policy or trust fund. In addition, we are a member of the FPA (Funeral Planning Authority) which provide rules and guidelines around investments that its members must conform to. These guidelines ensure that the funds are protected (for further details please see Q.20 on page 14). A unique tribute to a unique life Our clients are offered a wide range of Pre-paid Funeral Plans for burial or cremation, including a Plan for a woodland burial or even one for a headstone. Together we can create a completely unique and personalised service the way you want it to be and there are also many convenient ways to pay. Here for you We have the expertise to understand the needs of those we serve, providing families with the integrity, care and support they need when it matters most. Making it clear With our comprehensive Funeral Plans, all the services included are guaranteed with no more to pay for them. Further, your funds are protected in trust until your funeral is carried out. Our staff can answer any questions you have and can complete and handle all the documentation for you if you wish. Guiding you through We will explain the options you have available and provide you with the time, knowledge and confidence to make the right choices for you. Caring professionals We understand our service is only as good as our people who look after you and your family. That s why we continually invest in our people to provide a professional, respectful service. Trust Our Funeral Plan is only available from carefully selected funeral homes, which meet the highest standards of care and quality. We are members of the National Association of Funeral Directors and the Funeral Planning Authority and work in accordance with their strict codes of conduct.

4 4 Protection from rising funeral costs In just 7 years, the cost of a typical funeral has increased by over 1,000 and is likely to continue to rise at a similar rate. * How much does a funeral cost? Back in 2007, an average funeral cost just 2,269. However, by 2014, this had increased to 3,609, an increase above the general level of inflation. If funeral costs continue to rise at this rate, the average funeral could cost over 5,000 by Reasons for the continuing increases in funeral costs include the need for crematoria to invest in their facilities to satisfy European legislation and the lack of reasonably priced land for cemeteries. National average funeral costs UK ( ) Guarantee funeral costs today by taking out a Pre-paid Funeral Plan Our Pre-paid Funeral Plans are fully guaranteed which means no matter how funeral costs increase, there will be no more to pay for the funeral arrangements included in your Plan when the time comes. By purchasing now at today s prices you will be protected from future funeral price inflation and there will be no more to pay no matter when the funeral takes place. All Fairways Pre-paid Funeral Plans allow loved ones to arrange and pay for additional services and requests at the time of the funeral. 6,000 5,420 5,000 The Fairways Funeral Plan Paying for your Funeral Plan 4,000 3,609 Actual 3,000 Projection For payment options for Set Plans please see pages 1-3 For payment options for a Tailor-made Plan please see page 4 2,000 1,000 2, Source: Figures to 2019 are based on published Mintel forecast data. Data beyond 2019 were prepared by Mintel consultancy services for Funeral Services Limited, based on year-on-year growth and estimates provided by Government associations including the Office of National Statistics. Prices from 1st January 2015 Please refer to the enclosed Paying for your Funeral Plan leaflet for our Set Plan prices. The Funeral Director I chose to take my Funeral Plan out with has done all our family funerals for the last 80 years. It was a very simple process and I didn t feel overwhelmed. I now have a sense of satisfaction that there will be no problems left for anyone else to deal with. Miss C Brown

5 A choice of Funeral Plans to suit your needs 5 We offer a wide range of Pre-paid Funeral Plans and payment options, whether you choose burial or cremation. Tailor-made Plans Set Plans Our Tailor-made Plan allows you to pre-arrange your funeral services in as much or as little detail as you like. Some of the things you might like to consider include: Burial or cremation Type of service you would like Location of service Type of coffin Transport Newspaper notices With a Tailor-made Plan you can arrange any type of funeral to suit your needs, from a very simple to a very elaborate funeral. You can add to or change your Plan at any time at no extra cost (other than the cost of any additional services you arrange). If there are any particular requests that you have for your funeral which you would like to plan and pay for in advance, then a Tailor-made Plan may be the best option for you. Please see page 8 for further details of what can be included in a Tailor-made Plan. We offer a choice of 3 Set Plans: Amber Onyx Garnet Each offer all the essential services for a burial or cremation. Set Plans offer fixed services which can t be added to or changed, however you can choose to upgrade your Set Plan at a later date if you wish. For example, if you have an Amber Plan you can choose to upgrade to an Onyx or Garnet Plan if you later decide that you prefer the additional services included in these Plans. There will be no fee to do this, you will just need to pay the difference in the Plan prices at the time you upgrade. If you would prefer to simply make sure that you have planned the essential services for your funeral and paid for these in advance, then a Set Plan may be the best option for you, you will just need to choose which Set Plan best suits your requirements. Please see page 9 for more details. You can purchase one of our Plans for yourself, or for a relative, friend or dependant. All our Funeral Plans offer complete flexibility which means that if you move house at a later date, and you d prefer to change your nominated Funeral Director, you can choose to do this and there will be no fee to pay. If you have any questions or you would like to purchase a Plan, please contact: Your local Funeral Home The Fairways Funeral Planning Team on Alternatively complete the Set Plan application form enclosed within this brochure and return it to us. Due to the individual nature of Tailor-made Plans these must be discussed and arranged with the assistance of one of our Funeral Directors or Funeral Arrangers.

6 6 Choosing the right Funeral Plan for you The boxes below and on the next page are designed to help you easily and quickly compare our range of Funeral Plans, to help you determine which is the best Plan for you. Tailor-made Plans Your Plan all arrangements are tailored to your exact requirements You can plan in as much or as little detail as you like. See page 8 for more information about the types of services you could include and pay for in advance with a Tailor-made Plan. Available for burial or cremation How to purchase If you have any questions or would like to purchase a Tailor-made Plan, please telephone or visit your local Funeral Home for a no-obligation consultation. We will give you all the options and costs for the services you are interested in. If you decide to go ahead, we will complete and handle all of the documentation for you. Choose to pay for a Tailor-made Plan With one single payment. By Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit. Arranging a Plan for others You can purchase one of our Plans for yourself, or for a relative, friend or dependant. Joint Plans You can purchase a Plan for the funeral of either of two named individuals at no extra cost. Making your Funeral Plan Requests Personal For Tailor-made Plans you can plan and pay for your requests in advance. We can also record any particular requests you have for your funeral for example, the cortege taking a preferred route. Making changes You can add to or change your Tailor-made Plan at any time. No charge will be made for making the changes, you only have to pay for any additional services you arrange. After you ve applied for your Plan Once your application has been processed, we will send you a Funeral Plan Documents Folder which includes two copies of your personalised Funeral Plan Summary, detailing the Plan chosen. If you provide a valid address on the Funeral Plan Application Form, we will send you an inviting you to set up an online account which will allow you to view and manage your Plan online at anytime. At this time, online accounts are not available for Joint Tailor-made Plans.

7 7 If you have any questions about our Plans please contact us. We will be happy to answer any questions and provide further advice. Set Plans Your Plan Choose from 3 Set Plans: Amber Oynx Garnet Each offer all the essential services for a funeral. See page 9 for more information about Set Plans and the services included in each Plan. Available for burial or cremation Making your Funeral Plan Requests Personal Record your Funeral Requests with us and we will pass them to the Funeral Director arranging the funeral when the time comes. We know that you may need to give these details further thought, so if you re not ready to decide right now, you can simply send your requests to us at any time in the future. Although we cannot guarantee Funeral Requests, we assure you that we will do our utmost to honour them. How to purchase If you have any questions or would like to purchase a Set Plan you can contact us in the following ways: Telephone or visit your local Funeral Home. Call The Fairways Funeral Planning Team on Alternatively complete the Set Funeral Plan application form enclosed within this brochure and return it to us. Choose to pay for a Set Plan With one single payment. By Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit. By Fixed Monthly Payments if you re aged years. This is a lower monthly payment option but needs to be paid for life or until the Plan anniversary prior to your 90th birthday. Making changes A Set Plan cannot be changed or added to. However, if you purchase an Amber or Oynx Plan, you can choose to upgrade your Plan at a later date if you wish. You can upgrade from an Amber to Oynx / Garnet, or Oynx to Garnet Plan. After you ve applied for your Plan Once your application has been processed, we will send you a Funeral Plan Documents Folder which includes two copies of your personalised Funeral Plan Summary, detailing the Plan chosen. If you provide a valid address on the Funeral Plan Application Form, we will send you an inviting you to set up an online account which will allow you to view and manage your Plan online at anytime. Arranging a Plan for others You can purchase one of our Plans for yourself, or for a relative, friend or dependant.

8 8 Our Tailor-made Funeral Plan Our caring, professional staff can help you to plan your funeral exactly as you want it, in as much or as little detail as you like. Some people want a simple funeral whilst others prefer a more elaborate service. With our expertise, local knowledge and guidance we can help you to plan a unique tribute. Funeral Director s charges and Third Party charges Transport These will be included accordingly for a Tailor-made Plan. An alternative form of transport such as a horse drawn hearse or motorcycle hearse. Burial or cremation? Whatever you decide, we can include the necessary arrangements in your Pre-paid Funeral Plan. Burial Most burials take place in a churchyard or cemetery. Subject to local regulations and availability, you normally have the choice between using a new or existing grave. Cremation Most crematoria have a service room. You may want to arrange a service in church or another location before going to the crematorium. Choosing a coffin We supply a wide range of coffins and caskets, from the most simple to the truly elaborate, suitable for burial or cremation. Your Funeral Director will help you to make a choice. Music You may want to arrange for your favourite pieces of music or hymns to be played as part of your Funeral Plan. h April 16t cements Announ s bituarie 2011 Newspaper notices O 88 Judge d aged o has die with the d Salt wh serving rtment of the acted as Desmon, after pa itor, he In 1946 General's De sury Solicitor's Sir ry solic into the Bloody asu tre ea te d. He inquiry Advoca ll joined the Tr a distinguished As deputy the first ern Irelan m at of do Army, Ha t. In the course l government solicitor to tings in North d King oo en era miralty Sunday sh ted the Unite the European ed sev departm en e he advis g them the Ad o repres in cases befor urator General career on als ll am Ha sil ents, Proc ourg e. Sir Ba departm Luxemb was appointed 75 and knighted War Offic 19 ns over Court. He and the licitor in negotiatio sury So rt in the er of Common and Trea took pa a numb sbury MoD. in of He also e the nc rn at Fin and lf of ende was bo ll the indep untries on beha d particularly 1918 Ha ribb co prove uary 2 ter sil Brod akarios, wealth ed, had hool. Af, on Jan he recall Archbishop M bit of Ba London hant Taylors' Sc just after rk, Cyprus, ha e Pa a us de finals beca at Merc man, ma testing reed the educated ed, he passed his charming at he had ag articl ing albeit a wh r. be ck on eak of wa going ba y. of Court the outbr da 's Inns ers previous acted as the TA th Lanc joined itor, he th the 12 acubloody He had ry solic served wi llowing the ev ty treasu y into the d. He Fo ent, and. 40 gim F from As depu the first inquir lan 19 Re ern Ire ance in ity of the BE to 27th solicitor ootings in North d Kingdom at (12L) in Fr the jor the ma sh formed the Unite the European ation of Sunday of 12L car regiment. It e resented a cadre me also rep rg in cases befor ed Procurator Dunkirk, armoured after so ou (27L), an late 1943 and, ly 1944 d point an ers ap 75 nc Luxemb s 19 La Ju He wa ry Solicitor in Egypt in East, in Court. su sailed for the Middle and Trea in s nth General. mo in 1977 insbury knighted Arranging to place a notice in the newspaper is an important way to inform people about the funeral arrangements. You may want to arrange: Limousines for the funeral (most can carry six people). Where the cortege will leave from and whether it will take a special route. Flowers Your Funeral Plan can include your choice of flowers from our extensive range. Donations You may wish to request that donations are made to a charity or other organisation. Your Funeral Director will help you to incorporate these instructions in your Funeral Plan. Funeral Stationery You may want to choose a design, reading or wording for an order of service booklet for your funeral. Memorial Masonry We can provide this as a separate Tailor-made Plan. Please see page 10 for further details. Due to the individual nature of a Tailor-made Plan, these must be discussed and arranged with the assistance of one of our Funeral Directors or Funeral Arrangers.

9 9 What s included in our Set Plans Each of our 3 Set Plans are available for both burial and cremation and include all the essential services for a funeral as shown in the table below. Funeral Director s charges Funeral Director s Fees and Services Provision of the funeral service and arrangements *A wood effect coffin, lined and fitted *A quality wood veneer coffin, lined and fitted *A distinctive solid wood coffin, lined and fitted (sides, lid and mouldings are made from solid wood) Hearse and personnel required for the funeral Amber Onyx Garnet One following limousine 24 hour transfer of the deceased to a suitable resting place within the UK (within a 50-mile radius) Care, preparation and embalming of the deceased Arranging the funeral service (at a local cemetery, churchyard, graveyard or crematorium) Funeral procession from home/funeral home/church to crematorium/churchyard/graveyard/cemetery Family support and assistance provided by Funeral Director Mutual agreement on time and date of the funeral Provision of advice on all matters relating to the funeral Visit to the chapel of rest during office hours Visit to the chapel of rest anytime (subject to pre-arranged appointment) Bereavement assistance via professional organisations Client flexibility to choose route Client flexibility to choose route Client flexibility to choose route Cremation Third Party charges Fees payable for cremation documents Cremation fees at a local crematorium Minister or Officiant s fee to perform the service at the crematorium Burial Third Party charges Burial or interment fee (single), gravedigger fee where applicable, fee for a church service and Minister or Officiant s fees to conduct a service at a local cemetery chapel or church or at the graveside *The choice of coffin will be subject to availability at the time of need. A Set Plan for burial does not include the grave purchase. Please ensure that you read the enclosed Important information about burials and memorials leaflet for full details of what is and is not included with a Set Plan for burial before making your decision. Please also see the enclosed Paying for your Funeral Plan leaflet which has the prices of our Set Plans.

10 10 Our Tailor-made Memorial Masonry Plan For centuries people have created memorials to remember their loved ones and provide a focus for their personal memories. Our Tailor-made Memorial Masonry Plan is unique and allows us to offer our clients complete reassurance that every aspect of their funeral is taken care of. We provide a complete memorial service with an extensive range of high quality burial and cremation memorials. In addition you can choose to design a headstone to your own requirements. You can arrange a Tailor-made Memorial Masonry Plan whether you want a new headstone, to renovate and add an inscription to an existing headstone or simply choose a new memorial following a cremation service. Some of the many benefits of a Memorial Masonry Tailor-made Plan are: Fully guaranteed All of the services included in your Plan are fully guaranteed and there will be no more to pay for them, no matter how prices rise. Convenient ways to pay You can pay in full at the time of arranging your Plan, or by Fixed Monthly Instalments over 12, 24 or 36 months by Direct Debit. Easy to arrange Your Funeral Director will guide you and complete all of the documentation for you. Joint Plans available As well as being able to arrange a Plan for yourself or a relative or friend, you can also arrange a Joint Plan which can be used for a memorial for either of two people. If you have any questions or would like to purchase a Tailor-made Memorial Masonry Plan please contact your local Funeral Home. You can purchase a Tailor-made Memorial Masonry Plan on its own or in addition to one of our Funeral Plans.

11 Additional support and advice from The Co-operative Legal Services 11 A trusted source of legal advice, The Co-operative Legal Services can help you with exactly the level of advice and support you need and offer fixed fee pricing for most services. These are some of the things The Co-operative Legal Services can help you with: Probate and Estate Administration Dealing with the affairs of a loved one when they die can be a complex and daunting process. Whether you are the Executor of the Will, a relative or close friend, we can provide you with clear free advice on what to do following the death of a loved one. If you need guidance on the steps to take in dealing with the estate of a loved one, or you are looking for someone to provide Probate and Estate Administration services for you, The Co-operative Legal Services are here to help you. Writing a Will We ve made writing a Will straight forward and simple. A Will is a legal document that enables you to say who you want to benefit from your estate when you are no longer here. Having a Will means you ll have the peace of mind of knowing that the people you care about will be cared for as you wish. Protecting you, your loved ones and your possessions Lasting Power of Attorney A Lasting Power of Attorney is an important legal document which is completely separate from your Will. It allows you to nominate people you trust (your Attorneys), to make decisions about your affairs during your lifetime if you were unable to make those decisions yourself, perhaps through old age, ill health or accident. The Co-operative Legal Services will support you through all the stages of creating an LPA. Our trained advisors will identify the right type of LPA to meet your needs and give you a fixed cost for preparing and registering it. As a Fairways Funeral Plan client, you will receive a 15% discount* when you arrange any Will or Lasting Power of Attorney with The Co-operative Legal Services. Contact The Co-operative Legal Services team on and tell them you have a Fairways Funeral Plan. * The Co-operative Legal Services reserves the right to withdraw this offer at any time. This offer can not be used in conjunction with any other discount offer. You have made me feel at ease, you are very professional, helpful and have made me feel valued. I am very grateful. Thank you for your wonderful help. R.K., Reading

12 12 Answers to some of the questions we are often asked about our Pre-paid Funeral Plans. 1. Who will be providing my funeral? Your funeral will be carried out by your nominated Funeral Director. All of our Plans allow you to record which of our Funeral Directors you would like to entrust with your funeral arrangements, if you have a preference. If you move house later, it s easy to change this information. 2. Which services will be covered by my Pre-paid Funeral Plan? All Fairways Plans are fully guaranteed, which means that all of the services included in our Plans are covered and there will be no more to pay for them, no matter how much prices rise. If you choose a Tailor-made Plan, the Funeral Director will help you to choose the services that you want the Plan to cover and will record the details and prices of these services for you on the Application Form. If you choose one of the Set Plans, the services covered by each Plan are detailed in this Brochure. Everyone who arranges a Plan also gets a Plan Summary once we have received their Application Form which confirms the details of the services they have chosen. 3. Are there any age restrictions on purchasing a Pre-paid Funeral Plan? Our Plans are available to anyone over the age of 18. The only exception is, if you choose a Set Plan and pay by Fixed Monthly Payments, you need to be between 50 and 80 years old when the Plan is taken out. The Paying for your Funeral Plan leaflet in the back of this brochure explains this in more detail. 4. Do I need a medical to buy a Fairways Pre-paid Funeral Plan? No, there are no medical questions and there is no medical required when applying for any of our Funeral Plans, whether or not you have any existing medical conditions. 5. Can I take a Plan out for somebody else? Yes, all of our Plans and payment options allow you to buy a Plan for someone else. If you do this, as the Plan Purchaser you will receive all of the correspondence about the Plan and you will have all of the rights to the Plan and be responsible for paying for it. 6. I would like to buy one Plan for the funeral of either myself or my partner. Can I do this? Yes, if you take out one of our Tailor-made Plans, you can choose to make this a Joint Plan. Two Plan Holders are named on the Application Form, and the Plan can be used for the funeral of either of the Plan Holders. The only stipulation is that the Plan Purchaser (the person who is paying for the Plan) has to be one of the two Plan Holders. 7. Can I purchase a Plan for a headstone? Yes, you can take out a Tailor-made Memorial Masonry Plan. This Plan is specifically designed to allow you to arrange and pay for both new headstones and additional inscriptions in advance. The Tailor-made Memorial Masonry Plan has the added benefit that it can also be arranged as a Joint Plan, allowing the headstone to be provided on the first death. You don t need to hold a Funeral Plan with us to purchase a Tailor-made Memorial Masonry Plan, but you may benefit from purchasing a grave in advance as the type of headstone you will be allowed will depend upon the regulations operated by the cemetery you have chosen. Your local Funeral Director will give you all the help and advice you need to arrange your Tailor-made Memorial Masonry Plan. 8. How will the person arranging my funeral know what to do when the time comes? When you take out a Plan with us, you receive a Documents Folder which has a Plan Summary for you to give to the person who is most likely to arrange your funeral. The folder contains useful information explaining exactly what to do with the documents in it as well as what the person arranging your funeral will need to do when the time comes. Your nominated Funeral Director will give them all the help and support that they need and can be contacted at any time if you or the person who will be arranging your funeral has any questions or concerns. 9. How can I include my personal requests in my Pre-paid Funeral Plan? A Tailor-made Plan, available only from one of our selected Funeral Homes, is specially designed to allow detailed Funeral Plan Arrangement Requests such as where you would like the funeral service to take place or what you would like to happen to jewellery or other personal items. The Funeral Director will discuss and record all of your requests for you and any costs will be included in the Plan price. You can also add to or amend your Funeral Plan Arrangement Requests at any time and as often as you like by contacting your local Funeral Home. If you choose a Set Plan, you also have the opportunity to record Funeral Requests. We provide a form for you to complete and you can do this either when you arrange your Plan or at any time in the future. On this form, you can record: Requests to personalise the services already included in your Set Plan such as choices of hymns, music and readings. Requests for services which are not included in your Set Plan, such as additional limousines, a newspaper notice, or a memorial. These services will need to be paid for by the person arranging your funeral at the time.

13 13 At the time of the funeral, the Funeral Director and the person arranging the funeral will be provided with details of all of your requests. We can t guarantee your Funeral Requests but we will work closely with the person arranging the funeral to make sure it is exactly as you would have wanted. 10. What personal touches can be arranged by my family at the time of the funeral? The person arranging the funeral may wish to include further services such as flowers, additional limousines, newspaper notices, or burial or scattering of ashes which are not included in your Plan. The Funeral Director will help to arrange these services and they will need to be paid for in full at the time of the funeral by the person who arranges them. 11. Will there be anything else to pay for at the time of the funeral? All Fairways Funeral Plans are fully guaranteed and there will be nothing more to pay for the services included in your Plan. Sometimes we will be charged for services at the time of the funeral which will need to be paid for, such as if the person arranging the funeral wants it to take place during a weekend or on a Bank Holiday. If you have a Set Plan and we need to transport the deceased further than the 50-mile radius allowed for in the Plan or by a route which involves a ferry crossing or tolls, then these costs will need to be paid for by the person arranging the funeral. For all Plans, any additional services ordered by the person arranging the funeral (see Question 10) which are not covered by the Plan will need to be paid for in full at the time of the funeral. If you have a Set Plan, and the person arranging the funeral includes additional services which you have asked for in your Funeral Requests, (see Question 9) these will also need to be paid for in full at the time of the funeral. Full details of occasional charges are in the Terms and Conditions leaflet in the back of this Brochure. 12. How can I pay for my Pre-paid Funeral Plan? We have a choice of payment options available according to the type of Funeral Plan you arrange. A Tailor-made Plan can be paid for in full with a single payment, or by Fixed Monthly Instalments over 12, 24, 36 or 60 months* by Direct Debit. With the 12 month option, you can also choose to pay a deposit. A Set Plan can be paid for in full with a single payment, by Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit or by paying Fixed Monthly Payments. (The Fixed Monthly Payment option gives a lower monthly payment, but needs to be paid for life or until the Plan anniversary immediately prior to your 90th birthday.)*60 month option not available on Tailor-made Memorial Masonry Plans. 13. How can I purchase a Pre-paid Funeral Plan? Tailor-made Plans contact your local Funeral Home Tailor-made Plans allow you to pre-arrange your funeral in as much detail as you like. To make sure that you understand all of the options and choices available to you, you will need to discuss your wishes with your local Funeral Director - either at home or at the funeral home as you prefer. Set Plans To purchase a Set Plan you can either contact: Your local Funeral Home The Fairways Funeral Planning Team on Alternatively complete the Set Plan application form enclosed within this brochure and return it to us. 14. What happens if I die before I have finished paying for my Plan? If you are paying by Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit, and the Plan Holder dies before the Plan has been paid for in full, the person arranging the funeral can either: Pay any amount still owed as a single payment. This must be paid before the funeral can be arranged, or Cancel your Plan by writing to us. If this happens, a refund of all payments will be made to the Plan Purchaser or to the Plan Holder s estate as see appropriate, less a Cancellation Charge. (For details see the Terms and Conditions leaflet in the back of this brochure). If you are paying by Fixed Monthly Payments and you die within two years of taking out the Plan, then we can t honour the Plan. An amount equal to 120% of the payments made will be paid to your estate. If your death is beyond the first two years, you are entitled to the full Plan Benefits. 15. What happens if I stop paying for my Plan? If you are paying by Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit and you miss a payment, we will give you 30 days of grace in which to make the payment and keep your Plan in place. If the overdue payment is not received within 30 days, we will cancel the Plan and return the money you have paid us, less the Cancellation Charge. (For details see the Terms and Conditions leaflet in the back of this brochure). If you are paying by Fixed Monthly Payments, and you miss a payment, we will give you 30 days of grace in which to make the payment and keep your Plan in place. If the overdue payment is not received within 30 days, your Plan will be cancelled and you will not get any money back. 16. What if I arrange a Funeral Plan for burial but don t already own a grave? If you choose a burial Plan and you don t already own a grave, we would recommend that, where possible*, you Continued...

14 14 purchase a grave in advance. This allows you to choose a particular grave and ensures that you will be buried in the cemetery you choose. It is important to consider the benefits of purchasing a grave in advance where possible, as otherwise the person arranging your funeral will need to purchase one at the time of the funeral. Your local nominated Funeral Director will be able to give you any information you require on the cost and availability of graves in your local area to help you with this decision. *Not all Local Authorities allow graves to be purchased in advance. 17. What happens if I die abroad? Our Plans are suitable for funerals in mainland Great Britain and Northern Ireland. If you were to die abroad, then your nominated Funeral Director could assist with arranging repatriation (which you may be insured for). We can t include this service in any of our Plans due to its uncertain nature, so it will need to be paid for at the time. Once repatriated to Great Britain or Northern Ireland, your Plan can then be used to arrange the funeral as normal. 18. What if I change my mind and want to amend my Plan? If you choose a Tailor-made Plan you can amend or add to your Plan at any time, by contacting your nominated Funeral Home. There is no administration charge for making amendments. If you add any services to your Plan, these will need to be paid for in full at the time of making the amendments. A Set Plan cannot be amended or added to. However, if you have an Amber or Oynx Set Plan you can choose to upgrade your Set Plan to one which provides additional services (e.g. upgrade from an Amber Plan to an Oynx Plan). If you would like to make any other changes to the content of your Set Plan, you will have to cancel your original Plan and purchase a Tailor-made Plan. 19. What if I want to cancel my Plan? If you change your mind and want to cancel within 30 days of purchasing your Plan, you will be entitled to a full refund of all payments made with no Cancellation Charge to pay, regardless of how you have paid for the Plan. If you wish to cancel after 30 days and you have paid for your Plan in full or are paying by Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit, you will receive a refund of all monies paid, less a Cancellation Charge. If you wish to cancel after 30 days, and you are paying for your Plan by Fixed Monthly Payments, your Plan has no cash value and you will not receive a refund of any payments made. A Cancellation Charge does not apply in this case. The Terms and Conditions leaflet at the back of this Brochure gives details of the current Cancellation Charges. Further information on your right to cancel and how to exercise your right to cancel are set out in the Terms and Conditions of your Plan. 20. How is my money invested and what protection do I have? Plans paid for by a single payment or monthly Direct Debit instalments In accordance with the relevant law, all of your funeral plan monies will be invested in individual whole of life insurance policies managed by a reputable financial institution authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. By way of additional protection, your money (and the benefit of your respective policy) is held by an independent trustee on trust for when it is needed, subject to the terms and conditions. The funds are released to Funeral Services Limited when your funeral has been provided or in certain other limited circumstances in accordance with the terms and conditions applying from time to time to your Pre-paid Funeral Plan. Plans paid for by Fixed Monthly Payments If you are paying by Fixed Monthly Payments the money is invested in a Whole of Life policy with AXA Wealth Ltd. The Funeral Planning Authority (FPA) also have arrangements for resolving disputes between customers and FPA registered providers. You can call the FPA on or visit for more information. 21. What happens once my completed Application Form is sent off? The Funeral Planning Team will send you a Documents Folder containing: A covering letter. Two copies of your Plan Summary with details of your Plan. Important information on next steps. Further information for clients with Burial Plans. A Funeral Requests Form (if you have purchased a Set Plan). If you are paying by Fixed Monthly Instalments over 12, 24, 36 or 60 months by Direct Debit, the covering letter will confirm the set period you are paying over, the amount of the payment and the date of your first Direct Debit payment. If you are paying by Fixed Monthly Payments, the covering letter will confirm the amount of your Fixed Monthly Payment and the date that the first payment will be made. 22. What about The Co-operative Membership Share of the Profits? The Plan Purchaser is entitled to membership points on the purchase of a Funeral Plan, as long as a valid membership number is recorded on the Application Form at the time of taking out the Plan. To find out more about the benefits of membership and to become a member call , or visit

15 Further information to help with funeral arrangements Your guide to our funeral service funeral ur team guide 24 hours omeone Things you need to know when arranging a funeral can be and way. Your guide to burial and cremation memorials What to do when a death occurs and what happens before and after the funeral. Memorials Our wide range of burial and cremation memorials. PN_0032 Feb R at Memorials Your guide to our funeral service Floral tributes Well chosen words How to write a eulogy Foreword by Sir Andrew Motion, Former Poet Laureate Well chosen words A guide to writing a eulogy inspirational and practical advice for composing a spoken tribute to the deceased. The ways we say goodbye A study of 21st century funeral customs in the UK With an introduction by funeral historian Dr Julian Litten Ways we say goodbye Suggestions of the ways in which you can arrange a funeral service to celebrate the life of a loved one. To obtain copies of the brochures contact your local Funeral Home. Your guide to funeral flowers Floral Tribute collection Our extensive range of floral tributes and arrangements which you can choose from. For further information or to purchase a Pre-paid Funeral Plan: Contact your local Funeral Home Call our Funeral Planning Team on (Monday- Friday 8:00am - 8:00pm Saturday 9:00am - 1:00pm) Alternatively complete the Set Plan application form enclosed within this brochure and return it to us. Please note that due to the individual nature of Tailor-made Plans these must be discussed and arranged with the assistance of one of our Funeral Directors or Funeral Arrangers.

16 Our Promise Our promise is to help you arrange or plan a funeral with care, respect, clarity and reassurance. Our team of professionals are here to listen, advise and guide you through all your options. We re available 24 hours a day, 7 days a week so you ll always have someone to talk to. We re here, we understand how difficult this can be and we promise to help you at every step of the way. For further information about our range of Pre-paid Funeral Plans: Contact your local Funeral Home Call our Funeral Planning Team on (Monday - Friday 8:00am - 8:00pm Saturday 9:00am - 1:00pm) Funeral Directors and Monumental Masons Calls may be monitored or recorded for security and training purposes. Calling us on an 03 number will cost no more than a call to an 01 or 02 number, irrespective of whether you call from a landline or mobile. If you have inclusive minutes with your package these calls are included, however you may wish to check with your service provider. The Funeral Plan contract is made between you and Funeral Services Limited (registered number 30808R), a registered society incorporated in England and Wales, whose registered office is at 1 Angel Square, Manchester, M60 0AG. VAT registered Part of The Co-operative Group. The Co-operative Legal Services is a trading name of Co-operative Legal Services Limited, registered in England and Wales under Company Number: Registered office address: 1 Angel Square, Manchester M60 0AG. Authorised and regulated by the Solicitors Regulation Authority under registration number A list of our Directors is available for inspection at our registered office. In Scotland and Northern Ireland different laws apply; we can refer you to an approved panel for most services. Terms and Conditions apply and are available on request. Calling us on an 03 number will cost no more than a call to an 01 or 02 number, irrespective of whether you call from a landline or mobile. If you have inclusive minutes with your package these calls are included, however you may wish to check with your service provider. Calls may be recorded. April 2015 CLP /15_WEB