The Asda Over 50s Life Cover Funeral Benefit Option
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1 The Asda Over 50s Life Cover Funeral Benefit Option 300 EXTRA towards funeral expenses In partnership with
2 The Asda Over 50s Life Cover Funeral Benefit Option Many of our customers choose to use their Over 50s Life Cover plan to help pay towards the cost of their funeral. If that s what you re thinking of doing then the Funeral Benefit Option is a great way to: Guarantee an additional 300 contribution (funeral must be conducted by a Dignity Funeral Director). Ease the financial cost for your family. Make things easier for your loved ones. Costs no extra and quick and easy to set up. The Funeral Benefit Option has been designed specifically to help pay towards funeral costs. There s no need to worry if your funeral costs less than your cash lump sum as the difference will be paid to your estate. Please be aware that if you have already taken out the Funeral Benefit Option on a previous plan, you may not be able to take out this option on further plans. The rising cost of funerals Many people underestimate how expensive funerals can be. Our research has shown that the average cost of even a basic funeral in the UK in May 2016 was 4,229.** However, there are many extras to think about, such as a church service, flowers and funeral cars for family members. In 2016, this could have pushed the cost of a funeral up to as much as 5,144.** Even more worryingly, as the chart below shows, we estimate that this figure will increase to 7,533 by 2025.*** Funeral costs are on the increase 2,019** 2,779** 3,928** 5,468*** 7,533*** ** Source: LV= cost of a funeral research Breaking Blue Research, May 2016 (based upon a sample of 100 UK Funeral Directors). ***This is a projection based on the rise of funeral costs between 2005 & 2016, using a yearly rate of 6.63%. Please be aware that this is only a projection based on the LV= cost of a funeral research, May 2016 (this figure could increase or decrease based on market conditions).
3 Why choose the Funeral Benefit Option? Guarantee an additional 300 contribution towards your funeral (funeral must be conducted by a Dignity Funeral Director) Eases the financial worry for your family Makes things easier for your loved ones Won t cost you a penny extra Why we chose Dignity... in partnership with Dignity is one of the UK s leading providers of funeral related services. With more than 770 branches across the UK, they are at the heart of many local communities. Last year alone they conducted over 73,500 funerals, taking pride in the fact that each service was uniquely tailored to the individual and their loved ones....and what happens when you select the Funeral Benefit Option You choose to charge your plan to Dignity Within 28 days, Dignity sends you a Welcome Pack containing all the information you and your family will need. Your family then only need to make one call, enabling a Dignity Funeral Director to make all the arrangements Your cash lump sum is paid directly to the Dignity Funeral Director and Dignity add an additional 300 contribution towards the cost of your funeral If your cash lump sum is more than the cost of the funeral, Dignity s additional 300 contribution will be deducted from the actual cost of the funeral
4 The Funeral Benefit Option - FAQs Can my loved ones use any funeral director and still receive the Funeral Benefit Option? No, to receive the Funeral Benefit Option from Dignity on your cash lump sum you have to use a Dignity Funeral Director. But there are over 770 Funeral Directors throughout the UK, many of whom have served their local communities for generations. Should I tell my loved ones I have taken out this Funeral Benefit? Yes, it s important to let people know your intentions. If your funeral is organised with an alternative provider, your loved ones will not receive the additional 300 contribution from Dignity. The money that would have gone to Dignity will go to your estate instead. What if I decide the Funeral Benefit Option isn t right for me? You can change your mind at any time by simply contacting Dignity. The charge on your plan will be released and your Asda Over 50s Life Cover plan would continue as normal (without the Funeral Benefit Option from Dignity). Can I charge more than one plan to Dignity? If your Funeral Benefit Option is an additional 300 contribution, you can charge multiple Asda Over 50s Life Cover plans to Dignity but you will only receive one 300 contribution on the first plan that you charge to Dignity. If your Funeral Benefit Option is a fixed contribution of up to 10%, you cannot charge any further Asda Over 50s Life Cover plans to Dignity as this Funeral Benefit Option is no longer available. However, if you would like to take out another Asda Over 50s Life Cover plan, the cash sum paid when you die can still be used to help towards the cost of your funeral. Your family could use this to pay any outstanding balance directly to the Dignity Funeral Director.
5 # Funeral Benefit Option Declaration and Consent Please read the following I agree that LV= may pass on my personal information to Dignity for the 7 and sign below purpose of processing and administrating the Funeral Benefit option. I have I hereby charge the Asda Over 50s Life Cover plan which I have applied for read the enclosed materials and I am aware that this agreement is made subject today to Dignity Funerals Ltd ( Dignity ) and understand that the proceeds of to the laws of England and Wales. this plan will be paid to Dignity. Please confirm your choice by ticking one of In consideration of this charge Dignity agrees to provide funeral services up the boxes below and signing your name. to the value, which I have selected for my plan, plus an additional uplift of up to 10% of the value of my plan proceeds used towards funeral costs ( Funeral I wish to charge my Asda Over 50s Life Cover plan to Dignity. Benefit ) (up to a maximum of 1,000 uplift). I am aware and accept that Dignity will only be obliged to provide the Funeral I do not wish to charge my Asda Over 50s Life Cover plan to Benefit where (and to the extent) it is able to rely on its charge over my plan. Dignity at this time. I understand that I am only able to charge my plan to Dignity where there are no other charges, assignments or trust arrangements affecting it. I can confirm that there are none and that I will not enter into any. I am also aware that I (or my personal representatives following my death) may cancel this arrangement at any time before Dignity has been instructed to provide funeral services whereon Dignity will release this charge and notify LV= of the release. If you don t complete the date above we ll assume the date will be the date your application is received. Before sending back in the envelope provided please check you have fully completed all the questions Please read the following: For example: if your plan starts on 26th April, and you want to make payments on the 20th day each month: Two payments may be taken in the first month We d take the first payment on or around the 10th May Under the Direct Debit Guarantee we aren t allowed to take a payment in the first 10 days after we set up your We d take the next payment on 20th May Direct Debit. However premiums for your plan are due as And then we d take all future payments on 20th day soon as it starts. This means: each month. We ll collect the first payment 10 to 14 working days after So as you can see in this example two payments are your plan starts taken in the first month. We ll take the next payment and all future payments on your preferred date So you may find that we take two payments in the first month after your plan starts. Direct Debit Instruction Fill in the name and address of your 1 6 Instruction to your Bank or Building Society to pay by Direct Debits bank/building society branch Please fill in the white areas and send this together with the application form in the FREEPOST envelope provided Fill in the Account name(s) as printed 1. Name and full postal address of your Bank or Building Society 4. Bank or Building Society account No. on your cheques 5. For completion by LV= 3 You will find your branch sort code Please pay Liverpool Victoria Friendly Society Limited Direct Debits from the account detailed in this instruction subject to the safeguards assured by The in the top right hand corner of your Direct Debit Guarantee. I understand that this instruction may remain with Liverpool Victoria Friendly Society Limited and if so details will be passed cheques 2. Name(s) of account holder(s) electronically to my Bank/Building Society. 4 Fill in your Account Number this is 3. Branch 6 digit sort code (from the top right hand corner of your cheque) 7 7 Bank account holder(s) signature Date usually printed on the bottom of your Banks and Building Societies may not accept Direct Debit Instructions for some types of accounts. cheques the number on the far right 5 Sign and date the Direct Debit Instruction Is he or she a resident in the UK? Is he or she aged 50-80? There s a separate application form enclosed for your partner don t forget, they ll also receive a 30 Asda gift card after their plan starts. Please note, if you have an Over 50s plan with more than one company within the LV= Group brands, you will only be able to charge one of your plans to Dignity. These brands include; Asda, Readers Digest, RAC, Standard Life and Great Deal. If you re not sure if a plan is eligible for Funeral Benefit please call us on and we ll be happy to help. What happens if I die within the first 12 months? Whilst you can charge your Asda Over 50s Life Cover plan today, you won t be entitled to your Funeral Benefit until you ve held your plan for 12 months. If you were to die within 12 months of your Asda Over 50s Life Cover plan starting, we may only pay out what you ve paid in, without interest. In this instance Dignity would release the charge, and the proceeds of your plan would be paid to your estate and not to Dignity. However, if your loved ones arrange your funeral with a Dignity Funeral Director, Dignity would still be happy to offer the additional 300 contribution, but your Next of Kin would need to pay for your funeral at the time. The Funeral Benefit is provided by Dignity Funerals Limited, a company registered in England and Wales. No VAT registered No Registered Office: 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No Fax No Part of Dignity plc. A British Company. The funeral service is provided by Dignity who is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority, but is a member of the National Association of Funeral Directors. To choose this option, tick the Funeral Benefit Option box on the application form neral plan. e are firm Direct Debit Information p up eral Does your partner also qualify? 4 f o 5 I agree that LV= may pass on my personal inform purpose of processing and administrating the Fun read the enclosed materials and I am aware that this to the laws of England and Wales. Please confirm your choice by ticking one the boxes below and signing your name. 4 I wish to charge my Asda Over 50s Life Cover plan to 7 7 Signature Date I do not wish to charge my Asda Over 50s Life Cover Dignity at this time. 7 7 Signature If you don t complete the date above we ll assum plication is received. 30 have fu D
6 Why Asda Over 50s Life Cover makes sense... All this is Guaranteed: Guaranteed acceptance for UK residents aged between 50 and 80 No medical and no intrusive questions You re covered in full after just 12 months 3 Choosing the Funeral Benefit Option means an additional 300 contribution - at no extra cost to you 3 Family access to our Care Line before and after your death Things to consider You need to bear in mind that the cover is fixed, so inflation means it will buy less in the future Your plan will only pay out the premiums you ve already paid in if a claim is made within the first 12 months This isn t a savings plan, so there is no cash-in value If you cancel your policy at any time, you won t get any money back and there will be no claim when you pass away With our uncapped option it is possible to pay in more than is paid out To ensure that you never pay more than is paid out, you can choose our guaranteed (capped) plan. Prices start from 15 depending on age, and premiums stay fixed for the duration of your plan Asda Money is a trading name of Asda Financial Services Limited. Asda Financial Services Limited uses a selection of companies to provide its products and services. Please refer to for details of our product partners and the relevant terms and conditions for each of our products and services. Liverpool Victoria Friendly Society Limited: County Gates Bournemouth BH1 2NF. Asda Money is a trading name of ASDA Financial Services Limited. ASDA Financial Services Limited and ASDA Stores Limited act as introducer appointed representatives to Liverpool Victoria Friendly Society Limited (LVFS) for Asda Over 50s Life Cover. Asda is a trademark of Asda Stores Limited. LV= is a registered trademark of LVFS and is a trading style of the Liverpool Victoria group of companies. LVFS is authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number Registered address: County Gates, Bournemouth BH1 2NF. Tel: /16 Just fill in the application form Call or Visit Asda.com/over50s For textphone, dial first. You can get this and other documents from us in Braille and large print by contacting us. Lines open 9am to 5pm Monday to Friday. Calls may be recorded and/or monitored for training and audit purposes.
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