Pre-paid funeral plans
Payment If I die prior to completing the instalment plan, is the fixed price still guaranteed? In the event of payments lapsing due to the death of the plan holder, the prices for the products and services included on the plan will be honoured or a refund of the amounts paid can be returned to the nominated representative or executor. If payments are 24 months or less into the payment schedule then full payment of the outstanding amount must be paid to proceed with the funeral plan. For instalment plans 25 months or over into the payment schedule we will provide the funeral with no further payments being required. This is providing that payments have been kept up to date, any overdue payments at time of death would need to be paid prior to the funeral taking place. Will there be anything else to pay for at the time of the funeral? Subject to the funeral plan being paid in full or the above conditions being met then there will be no further payments due for the products and services recorded on the funeral plan at the time of the funeral. Excludes our online Simple plan where only a contribution is made towards the cost of disbursements, any shortfall will be required to be paid at time of need. Your nominated representative making the arrangements may wish to include additional items in your funeral that are not part of your original funeral plan. We can help to arrange these and they will need to be paid for in full. Can I buy memorial masonry? Yes. Masonry products such as new headstones or additional inscriptions on existing headstones can be added to your plan.
After I’ve bought my plan What happens after I’ve bought my plan? Once your payment plan has been paid in full or after 24 months*, if paying by instalments, you will be sent a funeral plan certificate. This should be retained in a safe place and your nominated representative, executor or solicitor should be made aware of its existence. *Providing instalment payments have been kept up to date. What if I want to make changes to my funeral plan? There is no administration charge for making changes. We outline all of the potential change scenarios and how this may affect your plan in our terms and conditions. Please contact us if you wish to make any changes and we can talk this through with you. You can alter your funeral plan arrangements at a later date, although we would charge for any additional or upgraded products/services at the price prevailing at the time of change. What if I want to cancel my plan? You can cancel your plan within 30 days of taking out the plan and receive a full refund. After 30 days, a cancellation fee may apply. Subject to terms and conditions.
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