Important information that you should know

Single payment (i.e. one lump sum) paying in Euros or Sterling – you can cancel within 30 days or within 7 days of us telling you who your funeral director is (if this is later). You’ll get all your money back. If you cancel after this, you’ll get your money back but we’ll keep a €343 / £299 charge for administration.

12 months’ instalments paying in Euros or Sterling – you can cancel at any time in the 12 months and get back everything you’ve paid. After that, you’ll get your money back but we’ll keep a €343 / £299 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan.

12 – 96 months’ instalments paying in Euros* – you can cancel at any time in the 12 months and get back everything you’ve paid.  After that, you’ll get your money back but we’ll keep a €343 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan.

Credit-financed payment paying in Sterling** – this is a loan and it’s subject to status and personal circumstances so you’re not guaranteed to be accepted. You must keep up payments on this: if you miss payments, your plan may be cancelled. If you select this option you will be provided with pre-contract credit information, adequate explanations and a credit agreement directly by Funeral Safe Limited. You will have a cooling off period which is the longer of 30 days from the date of the call or 7 days from when we tell you who the allocated funeral director is. During this period, you can cancel the purchase of your funeral and receive a full refund of any money you have paid to that date. If you cancel after this point, we’ll pay back the cost of your plan to Funeral Safe but we’ll keep a £299 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan. You must repay your finance to Funeral Safe Limited before your 85th birthday

Guaranteed International Plans. If you move back to the UK your plan will become a financial contribution towards the cost of a funeral in the UK. If you are re-locating back to the UK and you have a Golden Leaves International funeral plan, please call our UK office who will be pleased to help set up a Golden Leaves UK funeral plan.

What happens to the money I paid for my plan? – We help many thousands of customers to plan and fund their funerals. Because of economies of scale, we can sell our plans to our customers at a rate which is usually far more cost effective than it would be for them buying from a funeral director at the time of the funeral itself. As a commercial enterprise, we have costs of doing business and promotional marketing.  These costs are met by supply side economies of scale delivered by our ability to purchase funerals in bulk and are consequently absorbed into the price of our plans.

We retain an amount from the price paid by you for your plan (which is currently €343 / £299) to cover our administrative costs of running the business for the life of each plan, which is approximately 11 years.  We also retain an amount (which currently ranges between €404 / £350.70 and €834 / £724 dependent on which plan you purchase) to cover marketing, sales fulfilment expenses and to provide the business with an element of profit. The balance is placed in the Trust in order to pay the appointed funeral director and other costs of the agreed funeral (for further information, please see our Commission and Payment Disclosure and refer to our fees and payments breakdown summary table for further details).