a brief insight into the pre-paid funeral plans available

1. provided by Golden Leaves
Funeral Planning …. made simple

2. A thoughtful decision for yourfamily
provided by Golden Leaves
Pre-paid funeral plans are becoming an integral part of later life
financial solutions for people in the 50 + age group.
You can specify your wishes in advance.
It will help remove some of the stress and worry
from your family at what will inevitably be a
distressing time.
You can pay for your funeral at today’s prices –
no more to pay for your funeral director’s
services and an allowance built in to help
towards the third party costs.
You are guaranteed acceptance, there are
no medical requirements.
Flexible, affordable payment options.
Funeral planning... made simple.

3. The average funeral in 1991 cost £820*
The average cost of a funeral in 2000 was
£1215**
This had risen to £4078 in 2017***
The cost is expected to rise to £6220 by
2022 and to over £11000 by 2031*
Funeral costs have soared by 103% over
the last 12 years*
Funeral planning... made simple.
Source: *Mintel 2013 **The University of Bath Institute Cost of Dying Survey 2013
*** Sun Life Cost of dying Report 2017provided by Golden Leaves
The rising cost offunerals

4. The rising cost of funerals
provided by Golden Leaves
Funeral planning... made simple.
Funeral Debt is on the increase
Foroneinninefamilies,findingthe
moneytopayfortheirlovedones’
funeralcaused them financial
problems,*
27% had to borrow money from a
friend or relative, 23% had to put
the costs onto a credit card and
13% had to get a loan. A further
12% worked out an instalment plan
with the funeral director while 12%
actually had to
sell belongings to cover the cost.
The rest took money from their
own savings.*
Averagecostoffuneral
£12,000
£11,000
£10,000
£9,000
£8,000
£7,000
£6,000
£5,000
£4,000
£3,000
£2,000
£1,000
£-
£11,196
£6.220
£4,078
£1,920
£1,215
£820
1991 2000 2004
* Sun Life Cost of dying Report 2017
2017 2022 2031

5. Why choose Golden Leaves?
provided by Golden Leaves
Funeral planning... made simple.
Providing funeral plans for over 30 years
Market leading and innovative funeral plan Provider
Strong Trust Fund performance with guaranteed
growth rates for disbursements
Registered with the Funeral Planning Authority –
Founder Member
Registered with the National Association of Funeral
Plan Providers – Founder Member
Plans are placed with Funeral Directors and
contractually guaranteed at point of
administration therefore providing a contractual
guarantee for the client
Have access to over 4,000 funeral directors

6. A FuneralPlan
provided by Golden Leaves
Funeral planning... made simple.

7. What’s in a funeral plan?
provided by Golden Leaves
Funeral planning... made simple.
Funeral Director Services
The collection of the deceased
Preparation and care of the deceased
Attendance of the family to talk through
requirements
Funeral arrangements implemented
Provision of coffin
Provision of hearse
Provision of cars (if applicable)
Bereavement counselling
3rd Party Disbursements *
Officiants’ Fees
Cremation and burial costs (Does
not include the cost of a burial plot
or headstone)
Current allowance of £940 is
included with Zinc, Silver, Gold and
Platinum plans. (Copper £840)
The allowance will increase in line
with RPI each year (3.00% for FMP
product)
*These costs may still require an additional payment
from the Estate/ Executors at the time of the funeral

8. Plan Summary
From 50
CopperPlan
From 50
Zinc Plan
From 50
SilverPlan
From 50
Gold Plan
From 50
PlatinumPlan
£1,844 £2,859 £3,204 £3,559 £3,809
Direct to
Crematorium
Funeral Director’s
services for basic
funeral with no choice
of date, time or funeral
director + contribution
to 3rd PartyCosts
Funeral Director’s
services +
contribution to 3rd
Party Costs
Funeral Director’s
services +
contribution to 3rd
Party Costs
Funeral Director’s
services +
contribution to 3rd
Party Costs
Private
Ambulance
Yes Yes Yes Yes
No No No One Two
Basic Basic Basic Standard High Quality
£840 £940 £940 £940 £940
Price
What’s included
Hearse
Included
Limousine
included
Coffin Type
Contribution
towards 3rd
party Costs
Bronze Plan - £2,394 – As Silver plan, but without Contribution to 3rd Party Costs
Funeral planning... made simple.

9. Flexible Payment Options
Instalments
with a deposit
Fixed Monthly
Payment
Age 50 - 75
£99 Initial Payment
required
provided by Golden Leaves
Funeral planning... made simple.
SinglePayment Full cost of funeral plan paid
Immediate Cover
Up to 12 months with no additional cost
24 to 60 months instalment payments available
Minimum deposit of £250 required
Not fully covered until final payment made
50 + Whole of life contract payable to age 90 –
Free thereafter
Fully covered after 12 payments
Overpayment Rebate Benefit
Accidental death cover included
120% return of premiums if death occurs in first 12 months
Not available on the Copper plan

10. Environmentally Friendly Funerals
Full details
available
Green Plans
Available in 3 set Plans
Glade
Meadow
Woodland
provided by Golden Leaves
Funeral planning... made simple.

11. What you will receive from Golden Leaves
provided by Golden Leaves
Funeral planning... made simple.

12. Any questions?
provided by Golden Leaves
Funeral planning... made simple.
info@WrayAssociatesLtd.co.uk
01257 754550