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Funeral Plan

Plan Ahead for your Loved Ones. 

Why it is importantWhat does it provide?PremiumsHow to apply?How to claim?FAQs

Why it is important to plan ahead

Funerals can be expensive. Combined with the stress of losing you, your loved ones can find themselves facing bills for thousands of dollars for funeral arrangements.

With our Funeral Plan you can ease the financial burden for your loved ones.

What does the Funeral Plan Provide?

Flexible Cover

Under our Funeral Plan, Manchester Unity will pay the “Cover Amount”, which is your choice of $2,500, $5,000, $7,500 or the maximum Cover Amount of $10,000, if you die due to any cause more than 2 years after your Policy starts and before your Policy ends (provided you have paid all Premium Amounts).

If you die within the first 2 years of your Policy start date, Manchester Unity will not pay the Cover Amount, but your estate may receive a 100% refund of the Premium Amounts paid (provided that your Policy is still in force at the time of your death).

Guaranteed Acceptance

We guarantee to accept applications from Members and their Dependents between 16 and 85 years of age . We require no prior health or medical checks.

Premium-free period

You may be eligible for a “premium-free period”: if you paid Premium Amounts for at least 10 continuous years before your 90th birthday. Your policy will then continue free of charge until the Policy End Date.

Income tax-free lump sum

Your estate will receive the Cover Amount in a lump sum. Income tax is not payable on this lump sum.

The Funeral Plan is underwritten by Manchester Unity who will be responsible for all claims and other matters. The Funeral Plan is an insurance policy. It is not a savings plan and the Premium Amount paid may exceed the Cover Amount payable depending on how long you have the policy.

How much are you monthly premiums?

  Cover Amount
Age $2,500 $5,000 $7,500 $10,000
16-35 $14 $16 $18 $20
36-40 $15 $18 $21 $24
41-45 $16 $19 $23 $27
46-50 $17 $22 $27 $32
51-55 $18 $25 $31 $38
56-60 $20 $29 $38 $46
61-65 $24 $35 $47 $58
66-70 $29 $44 $60 $76
71 $32 $52 $71 $90
72 $34 $55 $75 $95
73 $36 $58 $80 $102
74 $38 $61 $85 $108
75 $40 $65 $91 $116
76 $43 $70 $97 $124
77 $45 $75 $104 $134
78 $49 $80 $112 $144
79 $52 $87 $121 $156
80 $56 $94 $132 $169
81 $60 $100 $140 $180
82 $64 $107 $150 $193
83 $68 $114 $160 $206
84 $73 $123 $172 $221
85 $79 $132 $185 $238

The Premium Amount can only change in accordance with the Policy. If we intend to increase the Premium Amount, we will give you 60 days’ written notice in advance of the increase.

How to apply?

Members of Manchester Unity and their Dependents (spouse or child) can apply as long as they are between 16 and 85 years of age at the time of their application. Download an Application Form and a Direct Debit Form. Complete and post to:

Manchester Unity Friendly Society, Freepost 2016, PO Box 5083, WELLINGTON 6140

Please note that we do not provide financial advice. You take responsibility for making sure that our Funeral Plan is right for you. If you require financial advice in relation to the Funeral Plan, we recommend you consult a financial adviser.

How to make a claim?

To make a claim, your estate must contact us. Manchester Unity will then tell your estate what information is required to support the claim.

Who can apply for the Funeral Plan?
Members of Manchester Unity and their Dependents can apply as long as they are between 16 and 85 years of age at the time of their application. A “Dependent” is the spouse or child of a member.
You can join as a member by completing the Membership application form. 

I already have a Funeral Assistance Benefit (“FAB”) which I have been contributing to for a long time. What happens to that?

There is no change to your existing Funeral Assistance Benefit. It continues as previously.

I already have a Funeral Assistance Benefit (FAB) with Manchester Unity . Can I apply for a Funeral Plan policy as well?
You can apply for a Funeral Plan policy in addition to any FAB you currently have with Manchester Unity.

If a Member belongs to multiple Lodges then can they apply for more than $10,000?

No. A Person Insured can only obtain a maximum Cover Amount level of $10,000.

I an not a member of Manchester Unity. Can I complete the Membership application form at the same time as my Funeral Plan application form?
You can join as a member by completing the Membership application form.

Why should I join Manchester Unity? What is in it for me?
As a member of Manchester Unity, you can access several member-only offerings. Stay at our family holiday homes at six fabulous locations around New Zealand. Save money using our member-only discounts and deals. Have the opportunity to apply for kids’ scholarships. Meet like-minded people and families at our friendly social events, and get involved in your local area projects to make a difference.  For more information phone us on 0800 101 842.

What is the Funeral Plan?
The Funeral Plan is an insurance policy designed to pay a “cover amount” if you die more than two years after your policy starts (and while your policy is still current). You can choose between four levels of cover amount ($2,500, $5,000, $7,500 and the maximum cover amount of $10,000).

Can I change the cover amount after my Funeral Plan policy starts?
 You can ask to increase your cover amount, but your premium amount will also increase.
You cannot decrease your cover amount after your Funeral Plan policy starts.

What happens if I die within the first two years of the policy starting?
Manchester Unity will not pay the cover amount if you die within the first two years of your policy start date.
While in this case your estate will not receive any cover amount, your estate may receive a 100% refund of the premium amounts paid (provided that your policy is still in force at the time of your death).

Does it matter that I have funeral cover with another organisation?
No. As long as you meet the eligibility criteria, you can have funeral cover with another organisation and still apply for the Funeral Plan.

How is my premium amount determined?
Your monthly premium amount is determined based on your age when you apply for your Funeral Plan policy.

Will my premium amount go up?
Your premium amount does not automatically change as you get older.
However, your premium amount can change in accordance with the policy terms and conditions, including when you increase your cover, and/or when Manchester Unity informs you that it intends to increase the premium amount.

How do I pay the premium amount?
You pay the premium amount by direct debit. To set up a direct debit from your bank, download a Direct Debit Form, complete and post it back to us at:
Manchester Unity Friendly Society, PO Box 5083, Lambton Quay, Wellington 6140 

Do my Premium Payments cease after paying in for X number of years?

No. You would only cease paying Premium Amounts on the Policy End Date.  Several events can cause your policy to end – your Premium Amount remains unpaid, you die, you cancel, Manchester Unity cancels, etc.  Clause 5 of the Policy Wording lists all the events that can trigger the Policy End Date.
There is a premium-free period after your 90th birthday.  Clause 8 of the Policy Wording describes the terms and conditions of this premium-free period.

Could Premium Amount payments exceed the Cover Amount?

Yes. The Funeral Plan is an insurance policy designed to pay a “cover amount” if you die more than two years after your Policy starts (and while your policy is still current).  It covers you for a risk – that funeral can be expensive.  It is not a savings plan.  Like other types of insurance (e.g., house, contents) this means depending on how long you have your Policy, the Premium Amount paid may exceed the Cover Amount.

Are there going to be bonuses?

No. Funeral Plan is an insurance policy, not a savings plan.

How does my estate make a claim?
To make a claim, your estate must contact us. Manchester Unity will then tell your estate what information is required to support the claim.

What happens if I cancel my policy?
You can cancel your policy at any time by giving us written notice.
If we receive your notice of cancellation within 30 days of your policy start date, then we will refund all premium amounts paid.
If we receive your notice of cancellation more than 30 days after your policy start date, then we will not refund any premium amounts paid.

Can I talk to someone about the Funeral Plan (other than online)?
Yes. We are always happy to discuss our Funeral Plan. Just call us on 0800 101 842.
Please note that we do not provide financial advice. You take responsibility for making sure that our Funeral Plan is right for you. If you require financial advice in relation to the Funeral Plan, we recommend you consult a financial adviser.

Additional information PDFs – Brochure, Policy Wording, Application Form, Direct Debit Form, FAQs

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