The Age Co Traditional Funeral Plan provides the funeral services set out in the “Basic Plan”, “Ivy Plan”, “Holly Plan” and “Rowan Plan” as long as you make all of the payments in accordance with the details set out in the Plan (as defined below).
Definitions In these terms and conditions:
“Additional Special Requests Form” means the form, which we will send to you after we have received your Application for the Plan, which allows you to notify us of any alternative or additional Special Requests;
“Agreement” means the written agreement between us made up of the Application, the Funeral Plan Schedule, Funeral Plan Services Document, Key Features Summary and these Terms and Conditions;
“Application” means the application form relating to the Plan that you have completed and either returned by post, submitted online via a website or portal or completed over the telephone;
“Covered Areas” means mainland Great Britain, Northern Ireland, Jersey, the Isle of Wight and the Isle of Man, except in the case of a Basic Plan in which case it shall mean Great Britain, Northern Ireland, Jersey and the Isle of Wight (and not the Isle of Man);
“Instalment Promise” means that you (or the Personal Representative(s) as applicable in the circumstances) will not be asked to pay any balance outstanding under the Plan, subject to the exclusions and limitations set out in the “Instalment Payments” section of these terms and conditions;
“Funeral Plan Schedule” means the schedule setting out all the details of your Plan, which we will send to you once we have received and approved your Application for the Plan;
“Funeral Plan Services Document” means the document setting out the details of the services which are provided by the Plan, which we will send to you once we have received your Application for the Plan;
“Inflation” means a sustained increase in the general level of prices for goods and services measured as an annual percentage increase in line with the Retail Prices Index;
“Instalment Age Restriction” means the maximum instalment term you can pay your Plan over to ensure all payments have been completed by the time the eldest person named on the Plan reaches their 85th Birthday. The Instalment Age Restriction applies to any instalment term paid over more than 12 months;
“Instalment Charge” means the additional payment included in the price of any Plan where instalments are being paid over a term beyond 12 months;
“Key Features Summary” means the document summarising the key features and benefits and exclusions and limitations of the Plan;
“Nominated Funeral Director” means the funeral director, the details of which are set out in the Funeral Plan Schedule, or such other funeral director as we may appoint to carry out the Planholder’s funeral;
“Personal Representative” means the Planholder’s personal representative(s) after the Planholder’s death, as defined by the Administration of Estates Act 1925;
“Plan” means the Age Co Traditional Funeral Plan you have chosen, to which the Application relates, and which provides the funeral services set out in the “Basic Plan”, “Ivy Plan”, “Holly Plan”, “Rowan Plan” as governed by the Agreement (and the arrangements covered by each plan shall be as detailed in the latest available version of the relevant plan description document in circulation as at the date of the Agreement);
“Planholder” means the person named in the Funeral Plan Schedule whose funeral is covered by the Plan;
“Price Guarantee” has the meaning given to it in the “What the Plan Covers” section of these terms and conditions;
“Special Requests” means any personal wishes as to how you would like the Planholder’s funeral performed, which have been notified to us in your Application, Additional Special Requests Form, by email, in writing or over the telephone;
“Trust” means the Trust for Age UK Funeral Plans; and
“we” or “us” or “our” refer to Advance Planning Limited and our details are set out in the “How to Contact Us” section of these terms and conditions; and “you” or “your” or “applicant” means the person applying for the Plan.
Do You Qualify For The Plan?
Unless you are otherwise advised in writing by Advanced Planning Limited, the Plan is available to Planholders who are aged 50 or over at the date of making the Application.
The Instalment Age Restriction means, at the point of applying for the Plan, the age of the eldest person named on the Plan could reduce the range of instalment options available.
The funeral provided by the Plan must be conducted in the Covered Areas. The Plan does not cover the costs of repatriation.
What The Plan Covers
Subject to these terms and conditions, details of the services provided under the Plan are set out in the Funeral Plan Services Document.
Once you have fully paid the amounts set out in the Plan, we will cover the Nominated Funeral Director charges and the funeral cremation costs as set out in this “What The Plan Covers” section, at no further charge to the Personal Representative(s). This is known as the “Price Guarantee”, which only applies to the services set out in this “What the Plan Covers” section.
Nominated Funeral Director
After receipt and approval by us of the Application, and upon the death of the Planholder, we will appoint a Nominated Funeral Director to provide the services described in the Agreement.
Please note that we reserve the right to appoint a different or new Nominated Funeral Director to carry out the Planholder’s funeral for any reason. We will inform you if we do so.
If any of the services, which are to be directly provided by the Nominated Funeral Director, are not available at the time of the funeral, we will provide an alternative of at least equal quality at no further charge.
If the Personal Representative(s) do not agree to the alternative arrangements, we may cancel the Plan and refund to the Planholder’s estate any monies paid to date, less a £249 cancellation fee.
If you choose or have chosen a cremation funeral, the price you pay for the Plan will cover:
- the cremation fee charged by the crematorium, subject to the following:
(a) we reserve the right to select the crematorium used, which will usually be a crematorium close to and normally used by the Nominated Funeral Director; and
(b) the cremation fee does not include any additional charges made by the crematorium, for example, any cost payable to the crematorium for use of an organist; and,
- the Minister of Religion or an Officiant fee, equal to the amount paid for a standard funeral service at the crematorium or cemetery as listed in the Church of England Table of Parochial Fees. In the unusual event that the Minister or Officiant charges more than this amount, you or the Personal Representative(s) will be responsible for paying that additional amount to the Nominated Funeral Director.
If you choose or have chosen a burial funeral, the Nominated Funeral Director will arrange certain services which are provided by third parties; for example, the provision of a burial plot, digging a new plot or opening an existing grave, cemetery fees, fees for a Minister of Religion or Officiant.
The cost of these services varies widely throughout the Covered Areas and therefore the Plan does not guarantee to cover these costs.
The Plan contains a contribution towards these third party burial costs. The current rate is £1,220, which will rise in line with Inflation. We will advise the Personal Representative(s) of the value of the burial contribution at the time of arranging the funeral.
If the contribution towards third party burial costs does not cover the costs in full, the Personal Representative(s) will be required to pay the additional sum at the time of the funeral. Where the actual third party burial costs are less than the value of the contribution, we will either repay the difference to the Personal Representative(s), or put it towards other funeral costs incurred at the time.
What The Plan Does Not Cover
The Plan includes the services described in the Funeral Plan Services Document, which forms part of the Agreement.
The cost for other goods or services not set out in the Funeral Plan Services Document, for example a memorial, headstone, flowers, and catering are not included in the Plan.
If you have purchased an Ivy, Holly or Rowan Plan (but not for Basic Plans) and you would like to make a provision for services not already included in your Plan, you may do so by making a contribution towards these costs. We will then make sure the value of that contribution increases in line with Inflation.
However, if that contribution does not cover the then current rate for those goods or services, you or the Personal Representative(s) must pay the difference between the value of your contribution (adjusted for Inflation) and the actual cost at the time of the funeral. Where the actual cost is less than the value of your contribution, we will repay that difference to you or the Personal Representative(s).
Any fees payable to doctors or a coroner for the issue of death or cremation medical certificates, or coroner’s certificates will not be included in your Plan and if they are charged for, they will need to be paid for separately at the time of the funeral.
We may charge reasonable extra amounts for the following requirements:
- any doctors’ or coroners’ fees that the Nominated Funeral Director is asked to pay on your behalf;
- the removal of mechanisms such as pacemakers (which must be removed before a cremation);
- providing a funeral which is not a normal funeral service;
- conducting the funeral on a weekend, at an unusual hour or public holiday;
- a religious or other service where the venue charges for use of that venue, heating, an organist choir etc.;
- if the crematorium charges extra for music, choir or an organist or any other services (including levies); or
- any adjustments to prices that reflect the additional cost to us of any change in regulations, tax, laws or generally accepted practice, and affect the conduct of the funeral.
Repatriation and Transport
The Plan does not cover the costs of repatriation from outside the Covered Areas to the Nominated Funeral Director.
If we need to transport the Planholder to or from a distance of more than 50 miles of the proposed funeral site, crematorium or burial place or if we need to incur ferry or air fares, we may charge you reasonable additional costs, less any contribution towards the cost of travel specified in the Plan.
You may ask for Special Requests for the Planholder’s funeral, but if these incur additional costs they will fall outside the Plan and will not be covered by the Price Guarantee.
Once you have notified us of any Special Requests, we will send you a certificate confirming these. The Special Requests will be used as a guide for the Personal Representative(s) and the Nominated Funeral Director.
If you have an Ivy, Holly or Rowan Plan, you are entitled to make a contribution payment towards the cost of any Special Requests and any contribution you do pay will be increased each year in line with Inflation. We do not guarantee that your contributions will cover the cost of all of the Special Requests.
The Personal Representative(s) will be advised of the value of this contribution at the time of arranging the funeral.
If you have a Basic Plan, you may register the Planholder’s Special Requests with us. However, you may not make contribution payments towards the costs of these.
As the purchaser of the Plan, the rights and benefits set out in this Agreement accrue to you and you are responsible for making payments to us in accordance with this Agreement.
If you have named a different person as the Planholder on the Application, the rights and benefits set out in the Agreement will nevertheless accrue to you and not to the Planholder.
Care of Your Money
All payments you make are passed to the Trust to be held in accordance with the applicable trust deed.
Payments are made out of the Trust to us for funerals when they are performed, and for the cost of offering, selling and administering Plans, and for refunds to purchasers of such plans.
By purchasing the Plan and agreeing to pay by instalments, the following rules will apply:
An Instalment Charge is payable by you, if you pay over a term beyond 12 months because the Trust does not have all the money to invest at the Plan inception.
Instalment Age Restriction
If you pay over a term beyond 12 months, the Instalment Age Restriction means that all payments must have been completed by the time the eldest person named on the Plan reaches their 85th Birthday.
If you fail to pay all of your instalment payments
If you miss one or two instalment payments, the Plan will fall into arrears. We will contact you and request that you bring your Plan payments up to date. If we do not receive the missed payment within 14 days of our request, we will add the outstanding amount onto your final instalment payment. If you have missed three instalments or more, the Plan will lapse and cannot be reinstated. If your Plan has lapsed, the Price Guarantee and Instalment Promise will fall away. We have the option (at our discretion) of cancelling the Plan, so that it is no longer valid or effective.
A Plan cannot be reinstated once it has lapsed, however, you can take out a new plan at the then current price of the former Plan. Any payments already received relating to the former Plan will be transferred to the new plan as a deposit.
If the Plan is paid by instalments which are spread over 12 months or less and the Planholder dies before the Plan is fully paid up
The Instalment Promise does not apply to instalment terms of 12 months or less. The Personal Representative(s) will be responsible for paying any outstanding instalments due. The outstanding instalments must be paid for in full before the funeral takes place.
If three payments or more have been missed and the Plan has lapsed, the Personal Representative(s) may request, and we may agree (at our sole discretion), to arrange for the funeral to be carried out by the Nominated Funeral Director. The cost of the funeral will be charged at the Nominated Funeral Director’s then current market rate.
If the Plan is paid by instalments which are spread over more than 12 months and the Planholder dies within 12 months of the Plan start date
If the Planholder dies within 12 months of the Plan start date and the death is not an Accidental Death, you will not be covered by the Instalment Promise. In these circumstances, the Personal Representative(s) will be responsible for paying the outstanding instalments due in order for us to provide the funeral in accordance with this Agreement. The outstanding instalments must be paid for in full before the funeral takes place.
If the Planholder dies within 12 months of the Plan start date, your instalment payments are fully up to date and the death is an Accidental Death, you will be covered by the Instalment Promise.
For the purposes of this section, “Accidental Death” means a death of the Planholder caused when a bodily injury is sustained, caused by accidental, violent, external and visible means, which solely and independently of any other cause results in death.
Accidental death does not include:
- death caused by ingesting drugs, unless they were prescribed to the Planholder by a registered doctor in the United Kingdom; or
- a coroner’s verdict of accidental death in circumstances other than where the death is caused by accidental, violent, external and visible means, which solely and independently of any other cause results in death.
If the Planholder dies more than 12 months after the Plan start date and the instalment payments are fully up to date
If the Planholder dies more than 12 months after the Plan start date, your instalment payments are fully up to date and the Plan has been in force for more than 12 months, you will be covered by the Instalment Promise.
If the Planholder dies more than 12 months after the Plan start date but up to two instalment payments have been missed
If the Planholder dies more than 12 months after the Plan start date and you have missed up to two instalment payments, the Instalment Promise in the Plan will lapse and will not be valid or effective. The Personal Representative(s) can reinstate the Instalment Promise by making payment of all previous outstanding instalment payments. We will then provide the funeral in accordance with this Agreement, provided that the outstanding instalments are paid for in full before the funeral takes place.
If the Planholder dies more than 12 months after the Plan start date and three or more instalments have been missed
If the Planholder dies more than 12 months after the Plan start date and you have missed three instalments or more, you will not be covered by the Instalment Promise or the Price Guarantee and neither will be valid or effective. Provided that the Plan has not been cancelled, the Personal Representative(s) may request, and we may agree (at our sole discretion), to arrange for the funeral to be carried out by the Nominated Funeral Director. The cost of the funeral will be charged at the Nominated Funeral Director’s then current market rate.
You have 30 days from the date you receive the Agreement to decide that the arrangements you have made meet your requirements and that you do not wish to cancel the Plan.
If you do decide to cancel the Plan, you must either:
- notify us by completing and returning the cancellation form entitled “Notice of the Right to Cancel”, which will be included with the documents that make up the Agreement; or
- otherwise notify us in writing, by telephone or by email to:
- Post: Age Co Funeral Plans, Advance Planning Limited, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP
- Telephone: 0800 028 3135
- Email: email@example.com
Any notification of cancellation should specify all of the following details: (i) the Plan number; (ii) the full name and address of the Planholder (iii) the Planholder’s date of birth; and (iv) a telephone number and/or email address for contact purposes, should there be any issue with the cancellation. There will be additional security questions where the Plan is cancelled by telephone or by e-mail.
Provided we receive such notification within 30 days of receipt of the Agreement, we will refund all the money you have paid within 14 days of us receiving notification of cancellation.
If you wish to cancel the Plan at any time after the stated 30 days, we will refund any money you have paid, less a cancellation fee of £249, within 14 days of us receiving notification of cancellation.
In the event that the Plan is not used and cancellation is requested after the death of the Planholder, we may require additional information from the person cancelling the Plan before we can complete the cancellation.
Any refund will be made to the person who originally paid for the Plan or to the Planholder’s estate.
We may cancel the Plan by giving notice to you if:
- an instalment remains unpaid more than 60 days after it is due;
- a funeral director is appointed independently by you who is not a Nominated Funeral Director;
- the funeral is to be conducted outside the Covered Areas; or
- the funeral cannot be performed because of circumstances outside our control or outside the control of the Nominated Funeral Director (for example war, terrorism, riot or the occurrence of a pandemic or epidemic).
If we cancel the Plan, we will refund any money you have paid, less the £249 cancellation fee, and we will have no further obligations to provide the services set out in the Plan.
We may make any changes we deem reasonably necessary to the services that are provided under the Plan (including reducing or removing any part of the services or making any other alteration in the type of services provided), as a result of circumstances arising which are outside our control or outside the control of the Nominated Funeral Director (for example war, terrorism, riot or the occurrence of a pandemic or epidemic).
To the extent that we make any such changes so that the services provided under the Plan are of reduced quality or capacity to the original services that would have been provided, we may (at our discretion) adjust the price of the Plan by an equitable amount, and in such case we will refund any such amount that you have already paid.
If the Personal Representative(s) do not agree to the alternative arrangements, we may cancel the Plan and refund to the Planholder’s estate any monies paid to date (taking into account any refund due), less a £249 cancellation fee.
Dignity may in its sole discretion agree to waive the cancellation fee in certain circumstances, for example where the alternative arrangements are materially different to the services that would otherwise have been provided under the Plan.
The Plan is designed to cover funeral costs and is not an investment product, and we will not pay interest on money refunded.
Value Added Tax (“VAT”)
VAT is not currently charged on a funeral service. However, if VAT or any other form of tax becomes chargeable on a funeral service or part of it in the future, you or the Personal Representative(s) must pay the VAT or additional tax at the time of the funeral.
If you are paying for any Special Request as part of the Plan, any third party suppliers who provide those goods or services may charge VAT, which we will pay and recover from you, or the Personal Representative(s).
How To Contact Us
If you have any questions regarding the Plan, our contact details are:
- Post: Age Co Funeral Plans, Advance Planning Limited, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands B73 6AP
- Telephone: 0800 028 3135
- Email: firstname.lastname@example.org
Change of Address
You must notify us of any permanent change of address. If appropriate, we will appoint an alternative Nominated Funeral Director for you.
The Agreement Once we have confirmed and approved your Application for the Plan, the following documents all make up the Agreement:
- your Application;
- the Funeral Plan Schedule;
- the Funeral Plan Services Document;
- the Key Features Summary; and
- these Terms and Conditions.
Please keep these documents in a safe place for the attention of your Personal Representative. You are advised to discuss your funeral arrangements with the person who will be the Personal Representative(s).
These documents together make up the Agreement concerning the Planholder’s funeral arrangements.
Anything which is not documented in writing in the Agreement will not be effective. If there is any ambiguity between the documents referenced above, the terms set out in these Terms and Conditions take precedence over the others.
English Law shall apply to this Agreement. If anything in this Agreement is invalid or unenforceable, this Agreement will be interpreted as if that part were modified or deleted to make it valid and enforceable, and the rest shall remain in force.
If we fail to exercise or delay in enforcing our rights (such as our right to cancel the Plan in the event of unpaid instalments), such failure or delay will not restrict our rights to do so, and a waiver of any such rights or of any breach of any term will not be deemed to be a waiver of any other right or any later breach.
You may propose a change to the Plan, but no change will take effect unless it is agreed in writing by us. If you wish to change the type of plan, this will take effect through a new Agreement for a new plan. Please use the contact details set out in the “How to Contact Us” section in these circumstances.
The Agreement is personal to you and may not be assigned (transferred) or made the subject of any trust, mortgage or charge given as security for any obligation to any third party. Only you or the Personal Representative(s) are entitled to claim the rights or benefits set out in this Agreement.
The Nominated Funeral Director may also claim the rights or benefits set out in this Agreement. Otherwise, no other person (including the Planholder) has any right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement.
This does not affect any other rights these people may have. These Terms and Conditions apply to all Plans entered into from 10/03/2021.
How To Make A Complaint
We make every effort to excel in the service we provide. However, if you feel we have not met your expectations, please contact our Client Relations Department who will acknowledge your complaint within two working days and will do their utmost to ensure any complaint is dealt with as quickly and efficiently as possible. Our Client Relations Department can be contacted as follows:
- Post: Client Relations Department, Age Co Funeral Plans, 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP
- Telephone: 0800 731 0655
- Email: email@example.com
If you are dissatisfied with the response from us, you can take the matter further. Advance Planning Limited is registered with the Funeral Planning Authority (FPA), an independent organisation, whose Code of Practice we follow.
The FPA can be contacted as follows:
- Telephone: 0345 601 9619
- Email: firstname.lastname@example.org
- Website: www.funeralplanningauthority.com
The Funeral Planning Authority when handling complaints uses one of the approved Alternative Dispute Resolution providers and you can gain direct access to them by using the FPA contact details provided above. You also have legal rights to dispute resolution via any other Alternative Dispute Resolution providers that might be specified under consumer protection laws from time to time.