Funeral Plans from Golden Leaves with
Brooks Independent Funeral Directors, Malmesbury
A Funeral Plan is an opportunity not only to make financial provision for a funeral but also to record special wishes such as requests for music, dress code or donations. Brooks Independent Funeral Directors are appointed representitives of Golden Leaves and can create a bespoke Funeral Plan tailored to your exact requirements. Please read on for more information or
get in touch for an informal discussion.
.jpg)
A Funeral Plan That's Right For You
Peace of mind is a valuable thing. By planning and paying for your funeral in advance, it’s possible to protect your family from the stress and expense of arranging the funeral at a very difficult and emotional time. The two main advantages of a Funeral Plan are; firstly, lifting the financial weight from your family’s shoulders, offering them the space they need to process their loss, and, secondly, recording your wishes so that those left behind aren't faced with the question of "what would they have wanted". By taking care of your arrangements in advance, you’ll be assured that your wishes are understood and respected, no matter what they are.
Everyone’s different, and no two people will have identical wishes for their funeral service. Brooks Independent Funeral Directors believe that you should be offered complete flexibility when it comes to your Funeral Plan and we can create a completely bespoke Golden Leaves Funeral Plan tailored to your exact requirements which can be paid in full or by manageable monthly instalments, offering you the opportunity to create your own unique plan at a fixed price that's right for you.
We are also able to offer our Funeral Plans to those who wish to purchase on behelf of someone else.
Brooks Independent Funeral Directors with Golden Leaves
Brooks Independent Funeral Directors are proud to be an appointed representative for Golden Leaves Funeral Plans
Golden Leaves have been at the forefront of the development of funeral planning since its foundation in 1984 and was a founding member of the NAPFP (The National Association for Pre-paid Funeral Plans) and played a major role in the development of FPA (The Funeral Planning Authority). The FPA provided an extensive level of financial monitoring for all registered funeral plan providers, to ensure there were sufficient funds in the trust to cover the services of every funeral plan they hold with their customers.
As of 29th July 2022 all funeral plan providers must be regulated by the Financial Conduct Authority to sell or administer a funeral plan. Golden Leaves and Brooks Independent Funeral Directors are pleased to be authorised by the FCA.
FAQs
How can I pay for my funeral plan Whatever your financial circumstances, we offer affordable funeral plans and flexible payment options to suit you. Lump Sum Payment: The whole sum is paid immediately, and full cover commences immediately after the welcome call. No health checks. No age restrictions. 12 months instalments: A deposit is paid and the remaining balance is spread over 12 months instalment. Accidental death cover commences immediately after the welcome call. Full cover commences after 12 months. No age restrictions. Fixed Monthly Payments: Fixed monthly payments until you are 90 years old. Monthly premiums never increase. Fully covered after just 12 months. Immediate cover for accidental death. Available only to people aged between 50 and 75. Credit Finance Option*: A credit finance plan is arranged with Funeral Safe Limited (subject to status and affordability). Payment duration is between 2-8 years. Full cover commences immediately after the welcome call. Should you die during your regulated credit agreement your lender will not pursue your estate or whoever took out your finance arrangement for you, for the outstanding balance. *Golden Leaves Limited is a credit broker and not a lender. They are authorised and regulated by the Financial Conduct Authority Firm Reference Number is 960923. You can check this on the FCA Register. They introduce you to and promote credit available only from Funeral Safe Limited for the purpose of financing a funeral plan. You do not have to pay us for this introduction, and they do not receive any commission, incentive, or other form of payment if you choose to apply for credit with Funeral Safe to finance your Funeral Plan
Once I have fully purchased my funeral plan, are there extra costs Our services as funeral directors are guaranteed to be covered. Funeral Plans have an allowance towards third-party costs and will guarantee any increase to these costs in line with the Consumer Price Index (CPI). If those costs increase faster than the uplift linked to the CPI, this may mean that there is a difference to pay which will have to be met by your estate or next of kin at the time of need.
How do I know the money will be there when it is needed If paying by lump sum or 12 monthly instalments, the money you have paid for your funeral (less Golden Leaves’ £249 fee for plan administration) is held in an independently managed Golden Leaves Trust. Independent fund managers are tasked to manage the long-term growth of the fund, specifically to meet the increasing funeral costs. If you have opted to pay by fixed monthly payments, a whole life insurance policy has been taken out with Phoenix Life Ltd, and the payout from the insurance policy will cover the cost of the funeral plan.
What happens to the money I pay for my funeral plan Golden Leaves retains an amount from the price paid by you for your plan, this covers expenses for the administrative costs of running the business for the life of each plan and to provide an element of profit. If you pay in a lump sum or in 12-month instalments, the balance is placed in the Trust to pay our trade funeral suppliers
Can I cancel a prepaid funeral plan Yes, of course. But your rights depend on how you pay for your plan. You have a right to cancel any plan (however you pay for it) within 30 days. If you do this, you will get all your money back. If you pay for your plan in a single lump sum or you finance this via Funeral Safe, you can still cancel after this time and get your money back, less £249 charge for administration. If you pay for your plan in instalments over 12 months or by taking out an insurance policy and making fixed monthly payments, you can cancel any time within 12 months of taking out your plan and get all your money back. If you cancel after the first 12 months, you can still cancel. If you paid in 12 instalments, these will be returned, less £249 charge for administration. However, if you pay using fixed monthly payments to Phoenix Life, please be aware that you will NOT get your insurance premiums back, and there will be a £25 charge for cancelling.
Am I guaranteed to be accepted for a funeral plan So long as you are 18 or over, there are no age limits to your funeral plan’s acceptance. If you pay for your plan with a finance agreement with Funeral Safe Limited, this is subject to status and affordability checks, so it is not guaranteed that they will accept your finance application. You must repay your finance before your 85th birthday, so this may limit the term over which Funeral Safe Limited will allow you to make repayments. Also, if you have been told by a doctor of a condition or illness that will cause death within 12 months, this payment option will not be available to you. If the plan is purchased by low-fixed monthly payments, the plan holder must be aged between 50 and 75 at the outset. If you have been told by a doctor of a condition or illness that will cause death within 12 months of applying for a plan, then you can still take out a funeral plan but you will only be able to pay with a single, lump-sum payment; other payment options will not be available to you. You can also pay in 12 interest-free instalments but again, if you have been told by a doctor of a condition or illness that will cause death within 12 months, this payment option will not be available to you. You will only be able to pay for your plan in one lump sum amount.
Am I guaranteed to be accepted for a funeral plan So long as you are 18 or over, there are no age limits to your funeral plan’s acceptance. If you pay for your plan with a finance agreement with Funeral Safe Limited, this is subject to status and affordability checks, so it is not guaranteed that they will accept your finance application. You must repay your finance before your 85th birthday, so this may limit the term over which Funeral Safe Limited will allow you to make repayments. Also, if you have been told by a doctor of a condition or illness that will cause death within 12 months, this payment option will not be available to you. If the plan is purchased by low-fixed monthly payments, the plan holder must be aged between 50 and 75 at the outset. If you have been told by a doctor of a condition or illness that will cause death within 12 months of applying for a plan, then you can still take out a funeral plan but you will only be able to pay with a single, lump-sum payment; other payment options will not be available to you. You can also pay in 12 interest-free instalments but again, if you have been told by a doctor of a condition or illness that will cause death within 12 months, this payment option will not be available to you. You will only be able to pay for your plan in one lump sum amount.
Brooks Independent Funeral Directors is an Appointed Representative of Golden Leaves Limited, authorised and regulated by the Financial Conduct Authority. Firm Reference Number 960923. You can check this on the Financial Services Register at register.fca.org.uk