Yes. In their basic format, Twilight Funeral Plans cover cremation only. However, with the exception of the Direct Cremation and ‘Your Simplest’ plan options, ALL can be tailored for burial, although the customer will need to purchase a burial plot themselves directly from whomever owns the cemetery at which they wish to be buried.
Yes. A Twilight Funeral Plan can be transferred into the name of an alternative person. To do so, the plan purchaser needs to contact Twilight Funeral Plans directly, who will then make the necessary alteration.
No. Unlike with many insurance products, customers purchasing a Twilight Funeral Plan are not required to pass any medical tests.
Provided the new location you move to is within the UK, then your funeral plan will not be affected.
Twilight Funeral Plans cannot be assigned to any funeral director outside of the UK. So unless the funeral is to be held in the UK, any Planholder who moves abroad will either need to cancel their plan (in which case they will receive a refund of the monies paid minus our standard £249 cancellation charge), or alternatively, they could transfer the benefit of the funeral plan to an alternative family member/friend.
Regardless of wherever in the UK the Planholder is when they die, Twilight Funeral Plans will arrange for the deceased to be collected and taken to a chapel of rest that is local to wherever the funeral is to take place. However, any transport costs over 20 miles will be charged at whatever the funeral director’s standard charge for mileage happens to be at that time (this additional charge would be payable by the Planholder’s representatives, directly to the funeral director).
As standard, Twilight Funeral Plans make no provision for repatriation (the process of bringing a deceased person back to the UK). If a Planholder dies while outside of the UK, then their travel insurance should cover the cost of repatriation. Then, once back in the UK, Twilight Funeral Plans would arrange for the deceased to be collected from the airport and taken to a chapel of rest local to wherever the funeral is to take place. Note: If the distance travelled, by the funeral director, in order to collect the deceased from the airport and return them to the location where the funeral is to take place, is further than 20 miles - then fuel will be charged for, by the funeral director direct to the deceased’s representatives, at whatever the funeral director’s rate prevailing, for fuel, happens to be at that time.
• Monies are held securely by Pitmans Trustees Ltd (PTL). They are specialist fund trustees with £billions in trust.
• Fund is managed by UBS. They are a multinational investment management firm, voted ‘Best Global Investment Bank’ at the Global Finance World’s ‘Best Investment Banks Awards 2016’. UBS analyse the financial markets and advise PTL on how best to invest the trust monies in order to maximise the growth of the fund. To date, the fund has been invested in a range of asset classes including equities, index-linked and fixed interests bonds and cash.
• Fund is audited by Mazars LLP. They are a top ten UK audit and accounting firm and one of Europe’s largest audit and accounting firms.
• Fund was set up in conjunction with Wrigley’s LLP – a law firm specialising in trust funds.
Yes. As one of the UK’s premier plan providers, it is of paramount importance to Twilight Funeral Plans that their Planholder’s investments are safe and secure. Set up in conjunction with Wrigley’s LLP (a law firm specialising in trust funds), great care has been taken to ensure the fund complies with all current legislation as set out in the Regulated Activities Order (Financial Services & Marketing Act 2000).
Yes. The assets and liabilities of the trust must, at least once every 3 years, be determined, calculated, and verified by an actuary who is a Fellow of the Institute of Actuaries or the Faculty of Actuaries. The first of these triennial reports was prepared by Mazars LLP, a top ten UK audit and accounting firm and one of Europe’s largest, and is dated 21st October 2016. The report complies with the Technical Actuarial Standards on Funeral Plans, Modelling Data and Reporting, as issued by the Financial Reporting Council, and the Actuarial Profession Standards issued by the Institute and Faculty of Actuaries.
The valuation of the trust, assuming all Planholders died on 31st August 2016 showed value, after deferred tax liability, of £12.7m (the value of the Trust as of January 2017 is over £15m). The valuation results of a central scenario based on a set of likely future events valued the surplus at up to £3m.
Can Twilight Funeral Plans customers nominate any firm of funeral directors to undertake their funeral?
In the case of Topaz, Pearl, Sapphire, and Ruby plans, customers can nominate any firm of funeral directors*, anywhere in the UK, as the one that they would prefer to undertake their funeral. However, as a plan holder’s lifespan is indeterminate, and given the scope for circumstantial change over the course of a plan holder’s life - it is technically impossible for any funeral plan provider to guarantee that funeral director nominated by a customer at the point a plan is purchased, will be available to undertake the funeral when the plan holder passes away.
If you nominate a preferred firm, then when you pass away, Twilight Funeral Plans will offer the benefit of your funeral to that firm. However, if that firm is unavailable, for any reason, to undertake the service, then it will, instead, be assigned to an alternative local firm (usually one that is a member of the National Federation of Funeral Directors), at Twilight Funeral Plans’ discretion.
In the case of the Direct Cremation, and the ‘Your Simplest’ plans, the funeral director is chosen at the sole discretion of Twilight Funeral Plans.
*Twilight Funeral Plans cannot be assigned to firms of funeral directors that are owned, or managed by, Dignity Plc.
At the current time, customers are not permitted to nominate any firm of funeral directors that is owned by Dignity Plc.
In respect of Topaz, Pearl, Sapphire, or Ruby plans – the funeral director will always be one that is local to the Plan Holder’s location of residence – and, unless the plan holder/customer, when buying their plan, states otherwise, friends/family will be entitled to pay their final respects at the funeral director’s funeral home/chapel of rest.
In respect of the Direct Cremation plan, because the plan does not make any provision for a service at the crematorium, and does not include for viewing of the deceased - the funeral director, and crematorium at which the cremation of the Plan Holder takes place, will not, necessarily, be local to the Plan Holder’s location of residence.
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