Terms & Conditions
The Muslim Funeral Trust hereafter will be called the MFT. We are pleased to offer funeral plans to all the Muslims who reside within the United Kingdom. The Muslim Funeral Trust will provide you details of Funeral directors and other useful information, The trust will cover the costs related to the funeral details of which are mentioned below. Before you become a member please read and agree to all the terms and conditions set by MFT. The Muslim Funeral Trust is a service to the community by the Helpers Trust (Registered Charity)..
The term family member means a group of people consisting of two parents and their children living together as one unit. Please read the following terms carefully before signing the agreement on the last page.
a. You have to fully pay the membership fee to be covered for the funeral costs. If you decided to pay the membership fees with installments as agreed with the trust, if the Plan Holder dies, then you will only be covered for what has been contributed, if it is less than the membership fee.
b. You must be paying into the Plan for at least two year for the funeral costs to be covered, if the Plan Holder dies within at least a year of taking out the Plan, we’ll return 100% of the payments already made.
c. If in the unlikely event you are diagnosed critically ill or anyone on the membership, it is the responsibility of the primary family member to notify MFT of any changes.
d. Membership will become void if we are not notified of the changes in health and other conditions of a members medical status in concern to their health.
e. Children of the primary account holder who are single and or still living with their parents are covered by the funeral policy up to the age of 18 years.
f. Any additional costs for the funeral i.e. Flowers upgrade casket etc. shall not be paid for by MFT.
g. MFT will cover the cost for and also arrange food for the immediate family for the first three days as per the Islamic tradition and also cover the cost for the food for the first Khatam/Reception* if requested by the family of the deceased.
h. You will be making low fixed yearly subscription payments of £55 for life or until the age of your 90th birthday.
i. Monthly payments of any payment plan should be made at the beginning of each month promptly by cash or direct debit\ Standing order.
j. Continuously missing payments may void the membership.
k. The funds shall be placed in a trust of which the Organisation (i.e The Helpers Trust) who shall have sole responsibility in investing and distributing funds to the best of their knowledge.
l. The MFT reserves the right to amend or change any part of the agreement.
m. If the body of the deceased is to be transported outside the UK, the MFT will only cover the costs up until the body reaches its final destination for burial and a ticket for one person who shall be accompanying the body of the deceased.
n. If you die abroad, MFT does not cover the cost of funerals abroad. As a good will gesture, MFT may issue some payment if proof of death and costs involved in the funeral are provided or as arranged on discretion of the Helpers Trust.
o. The membership can be cancelled at any time by contacting MFT and sending a letter of cancellation of membership. Please note that no refunds shall be given should you decide to do so.
p. The death fund is in essence a form of insurance so you are not tied into an agreement to contribute to the Muslim Funeral Trust for life.
q. If you wish to cancel the membership within 30 days of purchasing the policy, we’ll refund any payments made.
r. If you cancel your membership after 30 days, it has no cash-in value, so you wont receive a refund.
s. If in the unlikely event that MFT ceases providing the death fund to its members. It shall pay 50% of the membership fee to its members but 90 days written notice shall be given by MFT to its members. If any members deaths occurs within this 90 days cancellation notice of MFT, the MFT shall pay to cover the costs of the funeral.
t. Each member needs to pay his/her premium to the age of 90, or until you expire if earlier. Should you stop paying, you funeral plan will be cancelled and you will not get any refund for your policy.
u. Depending on how long the member lives, the cost of the funeral when the time comes may be less than the total payments made.
v. We will not be able to provide the Plan Benefits until we have the Plan Summary and an original copy of the Death Certificate. Payments will be made within five working days of receiving the above mentioned documentation.
w. The proposed members will normally be admitted to membership of the scheme with effect from 28 days following execution of the agreement by or on behalf of the MFT.
* You must be paying into the Plan for at least two year for the Khatam to be provided or can be provided as an add on for an extra £500.
This is a standard Funeral package we offer. We do not offer tailored funeral plans simply to keep the cost and membership fees as low as possible. If you are unsure whether this plan meets your needs as there is no advice on here whether it is suitable for yourself or your family, thus you may feel and please do consult a financial adviser.
Please note: It is important to tell your family that you have a funeral plan so they know how to activate the plan when the time comes.