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PREPAID FUNERAL PLANS

A pre-arranged funeral plan is a simple and straightforward way of reducing worry and can provide financial and practical help for your loved ones.
 
The advantage of a pre-payment plan over a savings account or life insurance policy is that you fix our direct costs and make a contribution towards third party costs in advance. Please refer to our Terms and Conditions for more information.

“Most of us, as we get older, expect to provide the money to meet our funeral

expenses. We’re not morbid. It’s to do with independence and responsibility.

Leaving everything in order for our relatives and friends. The fact is that funerals

cost money, and we want to help take care of the cost“.

THE ADVANTAGES OF A J.A. GORMLEY PRE-PAYMENT PLAN
 
Our funeral plans have the following practical benefits:
  • You can choose your own funeral arrangements, for your own peace of mind.
  • You will save your family from having to make many difficult decisions, trying to guess what you would have wanted, at what can be a distressing time.
  • Help to protect loved ones against rising funeral costs with a guarantee of the agreed Funeral Director’s charges.
  • Make a contribution towards third party costs which are outside of our control.
  • You can choose a set plan or we can tailor every detail exactly as you want it.
  • The Plan can be paid by lump sum or in manageable monthly instalments – whichever suits you best.
  • You will help to reduce the financial burden for your loved ones
  • The service will be provided by us, an independent funeral director with an established reputation.
  • Anyone aged 18 or over can take out a plan. There’s no upper age limit and no medical or health questions to answer.
QUESTIONS CUSTOMERS OFTEN ASK ABOUT OUR FUNERAL PLAN
 
WHAT IF THE COST OF FUNERALS INCREASES?
Funeral costs have risen over the years, so it makes sense to make financial provision in advance. The funeral plans we offer guarantee to cover the funeral director’s costs, listed in the plan details as long as your requirements don’t change and we carry out your funeral. The plan can also include an allowance towards third party costs such as fees for cremation or burial, medical fees and payment to a minister or officiant which are outside of our control.
This is the most important benefit of the J.A. Gormley Funeral Plan, and why it has become so popular with our clients in recent years.
DOES THE PLAN INCLUDE DISBURSEMENTS?
Each plan usually includes a contribution towards other expenses, such as cemetery or crematorium fees, newspaper notices and minister’s or church fees etc. These fees are known as “disbursements” and are outside of our control so cannot be guaranteed. If these costs are not covered by the plan value at the time of need, there may be a balance to pay.
You can include a larger (or smaller) contribution towards disbursements if you wish – please ask if you need advice on this point.
CAN I BUY A PLAN FOR SOMEONE ELSE?
Yes, we find that many of our customers choose to do this.
CAN I PAY BY INSTALMENTS?
You may pay for your funeral plan by instalments over 1, 2, 3, 4, or 5 years. There is an additional cost for paying by instalments over 2, 3, 4, or 5 years. This is held in the plan and used for your funeral when the time comes. Additional Terms and Conditions apply – please ask us for details.
WHAT IF I DIE FROM HOME?
Each plan includes removal, either within Northern Ireland or a specified radius to our premises. We strongly recommend that you take out travel medical insurance when you go on holiday, which should include the cost of bringing you back home if necessary.
WHAT IF I MOVE HOME?
If you move away from the area, you should be able to transfer your plan to another funeral director. Funeral costs do vary from one area to another, and you will be advised of any change in cost at that stage.
WHAT IF I CHANGE MY MIND LATER?
If you change your mind you can cancel your plan at any time. Please be aware however that you can only receive a full refund if you decide to cancel your plan within the first 30 days of purchase. If you decide to cancel your plan after the first 30 days, you will receive a refund of the original cost of the plan excluding the initial management fee.