Customers are often tempted to choose an insurance policy rather than a funeral plan, but there are a number of reasons why a funeral plan is a more sensible option.  An insurance policy may not provide you with an emergency 24-hour helpline service.  Most important of all, an insurance policy does nothing to protect your loved ones from the immense stress of having to organise a funeral in a foreign country, with language barrier and local regulations to contend with.  A Golden Leaves funeral plan does not require any medicals like an insurance policy generally does, although we will ask you about your health and this may limit how you can pay for your plan.

We’ll all need a funeral one day and with costs expected to rise every year, it makes sense to plan your funeral while you can and fix the cost by paying for it now.  This allows you to protect your family from a financial burden & worry.

If death occurs in the first 12 months (qualifying period) the plan will be cancelled and all payments refunded to the estate or to the individual who purchased the plan, but no funeral will be provided or alternatively your family can make a balance payment.  If death in the qualifying period was accidental then a funeral will be provided, with no balance to pay.  If you die after the qualifying period, the funeral will be provided with no further payments due.

So long as you are 18 or over there are no age limited to acceptance for your plan.  If you pay for your plan with a finance agreement with Funeral Safe Limited, this is subject to status and affordability check so it’s not guaranteed that they will accept your finance application.  You must repay your finance before the 85th birthday so this may limit the term over which Funeral Safe Ltd will allow you to make repayments.  If you’ve been told by a doctor  of a condition or illness which will cause death within 12 months of applying for a plan then you can still take out a plan but will only be able to pay with a single, lump sum, payment: other payments options will not be available to you.

Yes of course.  But your rights depend on how you pay for your plan.  You (however you pay for it) within 30 days, or within 7 days of being told who your allocated funeral director is, if this is later than 30 days.  If you do this, you’ll get all your money back.  If you paid for your plan in a single lump sum or you finance this via Funeral Safe Ltd, you can still cancel after this time and get your money back but we’ll a €343 / £299 charge for administration.  If you pay for your plan by instalments over 12-96 months’ you also have extended cancellation rights.  For this payment option you can cancel anytime 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 and get your money back, but we’ll keep €343 / £299  charge for administration.