Tayside and Fife Prepayment Funeral Plans through the Funeral Trustee Limited provide Funeral Prepayment plans for the clients of James Ashton & Son Ltd, Edward McHugh, James Ashton & Edward McHugh in Dundee and Macgregors Funeral Directors in St Andrews, who are all independently owned.

What is a Funeral Prepayment Plan?
A Funeral Plan provides for all the known Funeral Directors charges and most of the disbursements payable by the Funeral Director on your behalf subject to certain conditions, whether the funeral is burial or cremation.

Why does it make sense to purchase a Funeral Prepayment Plan?
Purchasing a Funeral Plan will ensure that you have the peace of mind that comes with the knowledge that your wishes will be recorded and respected and that your family will be spared some of the inevitable burden of bereavement and financial anxiety.

You can decide on the type of funeral you want. We will provide professional advice to assist you in making the various choices that are part of the funeral arrangement.

When you have decided the details of your chosen funeral, we will then calculate the cost at today's price which will then be the price you pay for the plan.

Unlike insurance policies, there are no age limits and no health checks.

Plans guarantee to fully cover our professional services, however they do not guarantee to cover essential third party costs ie. cremation fee, doctors fees, interment fee or fee to clergy or indeed any other third party costs. An allowance will be made for third party costs at current prices at the time the plan is taken out. This amount over the lifetime of the plan will be increased by the Retail Price Index. Should the planholder pass away the costs at the time will be taken into account and should the costs then be greater than the sum originally paid after being increased by the RPI, then a supplementary account will be raised for which the next of kin or person arranging the funeral will be responsible for. Arrangements can be changed at any time in the future and should extra items be added the flexibility of the plans allow these items to be costed at the time of the alterations.

For those wishing to spread the cost of paying for a plan, a period of two years is allowed with no interest charge payable provided the plan is paid in full within the two year period.

Should a client's death occur before the plan is paid in full, the funeral will take place exactly as planned, and any outstanding amount would be payable by the next of kin or from the deceased's estate.

Funeral Costs Comprise of two separate elements:-

Funeral Director's charges consist of:

• Making all necessary arrangements for you and your families behalf including the initial interview, arranging intimations, handling and care of floral tributes and donations, making and receiving all necessary telephone calls and for arranging the attendance of the minister or the priest at the funeral service.
  
• Completion and organising of all statutory forms.
  
• Removal from place of death to our rest rooms at any hour of the day and provision of robe.
  
• Use of the Rest Rooms prior to the funeral, viewing facilities and care of the deceased, use of Service Rooms and our attendance fees.
  
• Provision of hearse and/or limousine(s) for the chosen funeral.
  
• Supply of fully furnished coffin of your choice.
  
• Preparation and printing of order of service sheets where required.
  
• Organising and paying all the disbursements on your behalf.
  

Disbursements payable on your behalf consist of:

• Crematorium fees including use of organ or interment fee in the case of a burial.
  
• Should you not already own burial ground, this should be purchased in advance and kept separate from the plan.
  
• Doctors fees for cremation certificate.
  
• Donation to church or clergy.
  
• Death intimations and acknowledgments.
  
• Floral tributes.
  
• Organist and church officer fees.
  
• Sculptor accounts.
  
• Hotel accounts.