PRE-PAID FUNERAL PLANS
Contents The Independent Family Funeral Directors 3 What Is A Pre-Paid Funeral Plan? 5 Our Funeral Plans 7 Choosing The Right Plan For You 8 Compare Our Set Plans 9 Plan Upgrades 10 How To Buy? 12 FAQ s 14 2
The Independent Family Funeral Directors About Fosters Funeral Directors Fosters Funeral Directors opened in 2005 from a small parlour located in Rutherglen in Glasgow. Since then we have grown to be one of Scotland s largest, award winning independent family funeral directors. Fosters goal is to provide the quality of personal and professional service that you deserve, and to offer your loved ones support as you make your final farewell. We know thinking about your own funeral can be daunting, that s why we will be there to guide and support you every step of the way. We make it even easier for those of you who like to know that every last detail has been taken care of by providing pre-paid plans that have been carefully designed by our professional team, ensuring that you can live the remainder of your life worry-free. 3
Why choose Fosters? Planning a funeral has become an established way of looking at the future, similar to making a Will. In Great Britain, more than a million people have taken out a funeral plan. Like many of us, they have already experienced the grief of bereavement, and wanted to make sure that their families didn t have to go through the same stress of having to make arrangements whilst mourning the loss of a loved one. Who better to advise you on such a sensitive topic and assist you with all the details than your local family funeral director. We will help eliminate the stress and financial uncertainty of organising a funeral by fulfilling your final wishes as you ll have specified every detail in advance and taken care of all the costs, providing peace of mind to your loved ones in their time of need. Lowest cost fully guaranteed plans in Scotland Once your plan is in place we guarantee that your price for the services included in your plan will stay the same and, no matter how much funeral prices may rise in the years to come, neither you nor your loved ones will have to pay a penny more. With a Fosters pre-paid funeral plan you can save as much as 25% on the cost compared to the equivalent Co-op plan. Plan Name Simple Bronze Silver Gold Co-op Price 2945 3325 3660 3899 Fosters Price 2355 2595 2780 2920 Cash Saving 590 730 880 979 % Saving 20% 22% 24% 25% We choose to charge less so that you can do more for your family. *Prices and comparible services were taken from the Co-op funeral website and were correct at time of print 4
What is a Pre-Paid Funeral Plan? A pre-paid funeral plan is a simple way of choosing the funeral plan you want and then pre-paying for the cost of our services at today s prices. Financial safety You choose how you wish to pay, and whatever the method of payment is, your money is looked after by one of the leading and oldest life assurance companies in Scotland. So you can rest assured that your plan is safe. Protect against rising costs When the time comes, we promise to fulfil all the services specified in your plan. No matter how much the costs have risen over the period since your plan was agreed, the cost of the funeral will stay the same as the day it was purchased. We guarantee that your family or estate will not be asked for a penny more for the services included in the plan you have selected. Peace of Mind Most people don t want to think about arranging their own funeral. That s natural, but there is some quiet satisfaction to be gained from putting your affairs in order which will ease the burden on your loved ones at their time of need. Your wishes fulfilled by a proven partnership Choose the package that is right for you and let our team know of any special requests, so that your funeral will be the way you always wanted. 2028: 8,118 National average funeral costs in the UK ( ): Source: Figures to 2019 are based on published Mintel forecast data. Data beyond 2019 was prepared by Mintel consultancy services, based on year-on-year growth and estimates provided by Government associations including the Office of National Statistics. 2007: 2,269 2014: 3,609 2021: 5,420 5
You were so understanding and it took so much of the burden off our family at a difficult time. Once again thank you so much. 6
Our Funeral Plans We offer four set funeral plans which, we feel will cater for most needs, compiled of different options so you can choose the one most suited to you. Each plan includes all the essential services required for a burial or cremation. This guide will explain all the options available to you and give you all the information you require to help you make your decision. All our plans are fully guaranteed. Remember that all Fosters set funeral plans are fully guaranteed so this means the price you have agreed to pay for the services included in your plan, is the price that you will pay no matter how much these costs might rise over the years. Having that peace of mind Save money by beating forever rising funeral costs Choose the package that is right for you Eliminate the burden on your loved ones by pre-planning your funeral Financial safety If you require any further information, please give one of our advisors a call on 0800 121 8095. 7
Choosing The Right Plan For You Would you like to choose a funeral plan professionally designed by one of our funeral experts? Please contact us on 0800 121 8095 to discuss your bespoke plan. Yes No Set funeral plan A complete plan, at a fixed price that includes all the essential services needed for a burial or cremation. Bespoke funeral plan Create your own unique plan by choosing each service individually to create the funeral that s right for you. The price depends on the additional services you want to include, so we ll provide a detailed breakdown of costs. How important is flexibility to you? Would you like a choice of day and time of when the funeral is held, or would you like to choose a specific route for the funeral cortege? No Yes Will you need a limousine for your family and friends? Will you need a limousine for your family and friends? Yes Yes No How many limousines do you think you ll need? No 1 2 Simple Plan Silver Plan Gold Plan Bronze Plan 8
Compare Our Set Plans What s included in our set funeral plans for both burial and cremation? Simple Plan 2355 Bronze Plan 2595 Silver Plan 2780 Gold Plan 2920 Hearse and Funeral Personnel Provision of Limousine One Two Flexible funeral cortege (the traditional funeral procession) Directly to crematorium or burial place from funeral home only Client flexible to choose the route Client flexible to choose the route Client flexible to choose the route Mutual agreement of date/ time of the funeral Restricted dates and times of day A fully lined and fitted coffin* Simple Coffin The Lewis (Matt Dark Wood Effect) The Arran (Light Oak Wood Effect) Solway (High Quality Wood Veneer) Care and preparation of the deceased (embalming not included) Visit to the chapel of rest at any time (subject to pre arranged appointment) During normal working hours only During normal working hours only Cremation, Burial or interment fees locally** Minister or officiants fees locally Ticks indicate what s included in your plan * We reserve the right to offer a suitable comparable alternative coffin **Purchase of burial plot or cost of a memorial, e.g. headstone, not incuded. 9
Plan Upgrades Simple Bronze Silver Gold Alternative options available for your plan at an additional cost Coffin Upgrades* Simple Included - - - Lewis (Dark Wood Matt Finish) 95 Included - - Arran (Light Wood Finish) 125 30 Included - Solway (High Quality Wood Veneer) 250 155 120 Included Balmoral (Solid Wood) 650 555 525 400 Provision of Hearse Mercedes V Class Hearse Included - - - Mercedes E Class Hearse 200 Included Included Included Provision of Limousine Additional Mercedes V Class Limo Per Car 150 - - - Additional Mercedes E Class Limo Per Car 200 200 200 (1 x included) 200 (2 x Included) Above are the available upgrade options for each set plan. The prices shown are the additional cost should you wish to add to your chosen plan. The options listed above are also fully guaranteed. *We reserve the right to offer a suitable comparable alternative coffin as the exact coffin may change, but will be of similar quality. 10
TESTIMONIAL I would definitely recommend Fosters to everyone. The service provided, from the first enquiry email, right through to collecting our loved ones ashes, was professional and sympathetic. They did everything the way we asked for, there was nothing that seemed a hassle for them. Every member of staff we spoke to could not have helped anymore. They made a very difficult time pass with the greatest of ease and professionalism. Now that we have been with Fosters, our whole family and all our friends that attended would not go with anyone else. Thank you so very much for all your help and kindness, I wouldn t have coped without you at all. Your premises, services and the personal experience you gave are second to none. A really big thank you to all at Fosters Funerals. The way you dealt with our wishes and any questions we had, it really meant a lot. 11
How To Buy Ways to pay There are three affordable ways to pay: 1. Pay in full 2. Spread the cost over 12 months 3. Fixed Monthly Payments (if you are aged between 50 & 75) 1. Pay in full Pay one single payment by cash, cheque or credit/debit card. - Cash payment only accepted if payment is made at one of our funeral homes Payment Method Simple Bronze Silver Gold One Single Payment 2,355.00 2,595.00 2,780.00 2,920.00 2. Spread the cost over 12 months Spread the cost over 12 months at no additional cost - No deposit required, but you can choose to pay some of the cost upfront if you wish to lower the monthly payment. Payment Method Simple Bronze Silver Gold 12 monthly payments Per Month 196.25 216.25 231.66 243.33 Total Payable 2,355.00 2,595.00 2,780.00 2,920.00 12
3. Fixed Monthly Payments If you are aged between 50 & 75 you can pay with fixed monthly payments - This is a monthly payment plan option that needs to be paid for life or until your 90th birthday - No medical history required but you need to be paying for a minimum of 2 years to qualify. Age at outset Simple Bronze Silver Gold 50 13.37 14.63 15.60 16.33 51 13.91 15.22 16.23 17.00 52 14.49 15.86 16.92 17.73 53 15.12 16.56 17.67 18.51 54 15.81 17.32 18.48 19.36 55 16.56 18.15 19.37 20.29 56 17.38 19.05 20.34 21.31 57 18.28 20.04 21.40 22.43 58 19.27 21.13 22.57 23.65 59 20.36 22.34 23.86 25.01 60 21.57 23.67 25.29 26.51 61 22.92 25.16 26.88 28.18 62 24.43 26.82 28.66 30.05 63 25.38 27.86 29.77 31.22 64 26.43 29.13 31.14 32.65 65 27.76 30.49 32.59 34.18 66 29.26 32.15 34.37 36.05 67 31.11 34.18 36.54 38.33 68 32.90 36.15 38.65 40.55 69 35.66 39.20 41.92 43.98 70 38.85 42.71 45.68 47.93 71 40.82 44.88 45.00 50.37 72 41.70 45.85 49.05 51.47 73 42.52 46.75 50.02 52.48 74 43.26 47.57 50.89 53.40 Purchasing a plan is really easy. You can buy our plans in 2 convenient ways: Telephone our customer service team on: 0800 121 8095 Or by completing and returning the application form to the address below: 240 Glasgow Road, Rutherglen, Glasgow, G73 1UZ For more information please visit: www.scottishfunerals.com/funeral-plan 13
w FAQ s What if I m not in good health? We promise to accept your application, regardless of your state of health. If you have chosen to spread the cost and were to pass away before all payments have been paid, your family will either need to pay the remaining balance of the Funeral Plan to receive the funeral services or cancel the plan. If this instance, we would refund all payments made, less the Cancellation Charge of 499. If you have chosen our Fixed Monthly Payment plan your funeral costs are only covered after you have been paying into the Plan for at least two years. In the sad event that you pass away within two years of taking out your plan, your family will be reimbursed the full amount you have paid. What if I want to take out a plan for someone else? Complete the Plan Holder s representative box on the application form, and we ll arrange for all correspondence to be sent to you. Complete confidentiality is assured. Who can buy a plan and what are your payment options? All Fosters plans are available to any UK resident over the age of 18. You can pay the plan in full by cash, cheque, debit or credit card. You can also choose to spread the cost over 12 months at no additional cost by debit or credit card. If you are between the ages of 50 & 75 you can take out a plan using our Fixed Monthly Payments option by direct debit. What if I move house? We will cover the funeral anywhere in Scotland. What does fully guaranteed mean? Once your plan is in place we guarantee that your price for the services included in your plan will stay the same no matter how much funeral prices may rise in the years to come. Through our Funeral Requests service, we can record additional personal wishes, however, where this includes chargeable services such as flowers, these will need to be paid for at the time of need (or the balance of if a contribution has already been made and it does not cover the cost) as they are not included with the plan. 14
What if I live to be 100 years old? No matter how old you are, no matter how much funeral costs may rise, you and your loved ones will never be asked for a penny more for the services and costs guaranteed within your funeral plan (see the terms and conditions). Are there cancellation charges? If you cancel your plan within the first 28 days there are no cancellation charges and we ll refund any payments you ve made. After 28 days, if you have chosen to pay the plan in full or by spreading the cost over 12 months then we ll refund any payments you ve made less the one-off plan Cancellation Charge of 499. This covers all of Fosters costs in setting up the plan. If you have chosen to pay by Fixed Monthly Payments there is no cancellation charge, however, there is no cash-in value so no money will be refunded. Once your plan is cancelled we will have no further obligation to fulfil your plan. How do I cancel my plan? To cancel your plan contact us in writing at: Fosters Funeral Directors, 240 Glasgow Road, Rutherglen, Glasgow, G73 1UZ or via email at: enquiries@scottishfunerals.com or by phone on 0800 121 8095. You have the right to cancel your plan and to receive a full refund with no obligation within 28 days of the plan start date. If you have chosen to pay the plan in full or by spreading the cost, and you decide to cancel your plan after 28 days from the Plan start date, any monies paid less than the Cancellation Fee of 499 will be refunded. If you have chosen the Fixed Monthly Payments option and you decide to cancel then there is no cash-in value and no money will be refunded. Once your plan is cancelled we will have no further obligation to fulfil your plan. What if death occurs while I m on holiday? As an additional benefit, Fosters will pay the transportation charges if death occurs away from your permanent address, but still within Scotland. If death occurs elsewhere in mainland UK, there will be a one-way charge of 1 per mile. If you intend to travel overseas, we recommend that your travel or medical insurance policy includes full cover for repatriation costs to your funeral director s premises. 15
Call us today on 0800 121 8095 Thank you once again for ensuring my mother had such a beautiful day You all helped to make a difficult day more bearable. Many thanks. A big thank you to everyone at Fosters PERSONAL PROFESSIONAL PASSIONATE enquiries@scottishfunerals.com 240 Glasgow Road, Rutherglen, Glasgow, G73 1UZ 0800 121 8095 www.scottishfunerals.com Version 1.6.0