Pre-Arranged Funeral Plans

DISTINGUISHED SERVICE IN A BEAUTIFUL SETTING

PRE-ARRANGED FUNERAL PLANS LOW COST FUNERAL LIMITED

Welcome to Low Cost Funeral Limited “Low Cost Funeral Limited has a mission to provide exceptional standards of service and facility to the bereaved families that use its services. This is because it is not only commercially sensible to do so, but also because it is an essential act of human decency towards people who have just lost a much loved member of their family or friend.

Bereavement is the price we must all pay for the joy of loving and being loved. The loss of a loved one is the most stressful, unhappy and traumatic experience that we will face in life.

We realise that we are unable to eradicate such pain but we also know it is our responsibility and duty to be as efficient, kind, respectful and polite as humanly possible to our clients at their time of grief.”

Howard Hodgson Chief Executive Officer

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Pre-Arranged Funeral Plans We are able to offer secure and fixed price pre-arrangement plans to provide a low cost cremation.

WHY SHOULD YOU CHOOSE PRE-ARRANGEMENT? The cost of funeral services continue to increase each year. However, you can now arrange your funeral service in advance at one of our Memorial Parks and, if contracted now, secure the cost at the price quoted on the page opposite. This will not only ease the burden of decision upon your family at the time of your death and ensure you get the service of your choice; but will also lessen the financial concerns placed upon them too.

Therefore, by planning your service in advance you can design and specify the exact type of service you’d like, so that your family and friends can celebrate your life as you would wish them to. Moreover, by letting your family know how you’d like your funeral or memorial service to be, they’ll have less decisions to make during a difficult and emotional time. In addition, you can, if you so wish, take away the financial need for them to pay for the same.

WHAT SERVICES ARE PROVIDED AND HOW MUCH DO THEY COST? Increasingly, some families wish to avoid many of the costs associated with a traditional funeral. This may be driven by: • A financial need.

• A desire not to have a funeral service but a memorial service instead.

• A lack of religious commitment.

• A desire to spend the associated costs elsewhere.

• A private preference – such as made by the late David Bowie.

In order to provide a service that meets such demands we have developed 3 low cost funeral options. These can reduce the cost of a funeral by up to 50 – 80% dependent on the Option selected.

In the event that you feel that a traditional funeral service might involve you in the provision of a number of services that are not applicable to your requirements and so involve you in unnecessary costs as a result, we are able to offer you these low cost cremation services.

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Options Standard cremation OPTION 1 coffin used for all options A cremation without a service time or attendance, which includes the collection* of the deceased in a suitable vehicle from the place of death, the provision of a standard coffin with four handles, all 3rd party costs and the cremated remains supplied in suitable packaging to be collected from the facility.

£1,495.00 (final and inclusive price) OPTION 2 A cremation on a specified day (to be confirmed by your family) with attendance at a 9:00am or 10:00am service which includes the collection* of the deceased in a suitable vehicle from the place of death, the provision of a standard coffin with four handles to be placed on the catafalque in advance of the service, all 3rd party costs and the cremated remains supplied in suitable packaging to be collected from the facility. The service time slot is 1 hour** and can be reserved on a day of your family’s choice. Attendance is unlimited and additional services can be provided upon request at an extra cost if desired at the time of need.

£1,995.00 (final and inclusive price) OPTION 3 As Option 2 but with the service bookable from 11:00am to 4:00pm.

£2,395.00 (final and inclusive price) The prices quoted above are the totals needed to satisfy the selected option. Normally there would be nothing extra to pay. *There may be additional 3rd party costs to pay at the time of need (please see terms and conditions). Other circumstances where

additional costs would be incurred is if a removal is needed from either a private residence or a nursing home or the deceased requires a coffin larger than 6’ 3” x 24” (1.91m x 61cm). In both cases an additional charge would be made at the time of need. We only engage quality local funeral directors to work with us. **In the case of a Memoria Ltd crematorium only.

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IS YOUR MONEY SAFE & WILL IT PAY FOR THE OPTION SELECTED WHEN THE NEED ARISES ?

All 3 options of quality service low cost cremation are nearly £400.00 more, if bought as a pre-arrangement plan, rather than bought now to pay for a current cremation. This is because we have to ensure that your money is safe and guaranteed to do the job you paid us for it to do. So it is held in an independent whole of life insurance policy and ring fenced to pay for your chosen option in the future – however many years ahead that may be. Therefore, in order to ensure your money is both safe and can pay for the chosen option selected we have engaged a life assurance company that is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA). The result is that your family will never be asked to pay us more for the selected option at the time of need apart from extra costs due to 3rd parties or as previously described. At that time the money is made immediately available to us and these funds cannot be used for anything other than the cremation option you have selected. Please refer to the terms and conditions as printed herein for further details.

CAN YOU ADD ADDITIONAL SERVICES? Please note that additional services, such as the provision of a religious minister or celebrant to conduct the service, music to be played at the service or the delivery of cremated remains to specified addresses are not included but can be arranged at an additional cost to the above low cost cremation Options 2 & 3 or all 3 options in the case of cremated remains delivery.

Further services, such as the provision of a hearse, limousines, a chapel of rest, a selected type of coffin, embalming and pall bearers etc. are not provided. The need to provide one or more of these services constitutes a traditional funeral service and therefore this scheme is not applicable and a funeral director of your choice should be contacted directly in order that he/she can supply the same.

CAN YOU PURCHASE A PRE-ARRANGED CREMATION OPTION ON A MONTHLY PAYMENT BASIS? You are able to purchase a high quality, low cost pre-arrangement cremation plan on the monthly payment terms. The reasons for purchase are the same as the single payment, but you may believe that the monthly payment plan is a more applicable form of purchase for you. If so, please consult the monthly contribution table on our website, www.low-cost-funeral.co.uk. The final total cost is also included in the interests of helping you decide, by allowing you the complete transparency of the total cost of each scheme. The simple interest charge is 5% per annum in all cases. Other than the management fee, which covers all set up costs (and is paid with the initial first monthly instalment), 100% of all other payments, (including the interest charged) is paid into your Plan. Please also refer to the terms and conditions applicable to the monthly payment scheme on our website.

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Direct Choice In order to achieve peace of mind about your desired choice of cremation without having to make a current financial commitment to pay for the same now you only need to do the following: • Select one of the options on page 05.

• Contact us.

• Inform your family, solicitor or both of your action and give them a copy (or copies) of the letter that we will send you.

• Keep the card (that we will also send you) in your wallet or purse.

Whether you have selected a Low Cost Direct Cremation or a Desired Choice Option, it is advised that you carry your Memoria Cremation Arrangement Card with you at all times. For further information or advice please contact us.

What Do You Have To Do? In order to pre-arrange a cremation please do the following: • Select one of the options on page 05 and then complete the Arrangement Form on page 10.

• Contact us to arrange payment for the chosen option by debit or credit card for purchasing a single payment option.

• For a monthly payment plan please complete the details as requested on the application form.

• Confirmation of the arrangements made will be sent to you by email (or by post if applicable).

• Our staff will be happy to be contacted for advice and help in completing any of the above or to discuss the choices available.

• The receipted arrangements will be posted to you and should be kept in a safe place.

• Please refer to our terms and conditions on our website www.low-cost-funeral.co.uk

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ARRANGEMENT FORM - PRE-ARRANGED FUNERAL 1 PERSON TO BE COVERED BY THE PLAN (please complete in CAPITALS) Title

Surname

First Name(s) Address Email Postcode

Date of Birth

Telephone No. 2 YOUR NAME AND ADDRESS (only if you’re buying the plan for someone else) Title

Initials

Surname

Address Email Postcode

Telephone No.

3 SELECT YOUR FUNERAL PLAN (full details on page 05). Please tick to select your option.

OPTION 1

£1,495.00

OPTION 2

£1,995.00

OPTION 3

£2,395.00

4 PAYMENT AND SIGNATURE I enclose the total plan cost as detailed above.

I enclose a deposit of the first monthly payment of £ _____ being the management fee and the first chosen instalment (please refer to the payment table). I wish to pay the balance by monthly standing order over ___ months (see table on www.low-cost-funeral.co.uk).

Name of Bank

Bank Address

Account No:

Sort Code:

I wish to purchase a funeral plan as above. I have read the terms and conditions supplied.

Signed 10 www.low-cost-funeral.co.uk

Date

Amber Valley Memorial Park & Crematorium

North Hertfordshire Memorial Park & Crematorium Opening 2017

Cardiff & Glamorgan Memorial Park & Crematorium

South Leicestershire Memorial Park & Crematorium

Denbighshire Memorial Park & Crematorium

South Oxfordshire Crematorium & Memorial Park

Kirkleatham Memorial Park & Crematorium

Waveney Memorial Park & Crematorium

Low Cost Funeral Limited The Pool House, Bicester Road Stratton Audley, Oxfordshire OX27 9BS T. 01869 695150 E. info@low-cost-funeral.co.uk

www.low-cost-funeral.co.uk

MEMORIAL PARKS & CREMATORIA Amber Valley Memorial Park & Crematorium Derby Road, Swanwick, Derbyshire DE55 1BH T. 01773 522840 E. info@ambervalleymemorial.co.uk www.ambervalleymemorial.co.uk

South Oxfordshire Crematorium & Memorial Park Limited Garford, Abingdon OX13 5PA T. 01235 867821 E. info@southoxfordmemorial.co.uk www.southoxfordmemorial.co.uk

Cardiff & Glamorgan Memorial Park & Crematorium Port Road East, Barry, Vale of Glamorgan CF62 9PX T. 01446 724040 E. info@cardiffandglamorganmemorial.co.uk www.cardiffandglamorganmemorial.co.uk

South Leicestershire Memorial Limited Foston Road, Countesthorpe, Leicestershire LE8 5QP T. 0116 2581870 E. info@southleicestermemorial.co.uk www.southleicestermemorial.co.uk

Denbighshire Memorial Park & Crematorium Glascoed Road, St Asaph, Denbighshire LL17 0LG T. 01745 530810 E. info@denbighshirememorial.co.uk www.denbighshirememorial.co.uk Kirkleatham Memorial Park & Crematorium Fishpond Road, Yearby, North Yorkshire TS11 8HH T. 01642 771 041 E. info@kirkleathammemorial.co.uk www.kirkleathammemorial.co.uk

© Memoria Ltd 2016. All rights reserved.

Waveney Memorial Park & Crematorium Warren’s Lane, Benacre Road, Ellough, Suffolk NR34 7XE T. 01502 477200 E. info@waveneymemorial.co.uk www.waveneymemorial.co.uk North Hertfordshire Memorial Park & Crematorium Bedford Road, Holwell, Hitchin SG5 3RT Opening 2017