![]() ![]() "If a home does a 'pre-arrangement' or 'pre-planning' contract, any insurance arrangement to pay for the funeral must be done in compliance with the Insurance Adjusters, Agents and Brokers Act." "A funeral home is not permitted to act as a seller or otherwise sell, offer to sell or arrange the sale of a prepaid funeral contract or prepaid funeral service unless they hold a license under the Prepaid Funeral Services Act," reads the department's response. ![]() When asked if the companies with suspended licences are allowed to use insurance agents, Service NL pointed to the legislation. Those two businesses say they're not breaking any rules. "Oftentimes, we are listed as the funeral home service provider or beneficiary on these policies." "If a family decides that they would like to prepay their funeral, then they are to see an insurance representative that offers this type of service as we no longer offer this service," Burry writes. ![]() Oram's Funeral Home's business manager, Pam Burry, further clarified the process via email. "They put your money in, and that way … your money's guaranteed for the rate of inflation and everything," said a worker for Serenity Funeral Home.įormer provincial cabinet minister Paul Oram is the owner of Oram's Funeral Home in Glovertown. Using insurance agentsĭuring CBC's undercover investigation, employees for the other businesses said customers can make "pre-arrangements" or "pre-plan" their funeral services, and pay for it now through policies purchased from an insurance agent. Service NL told CBC News it monitors how funeral homes conduct their business, and said it will investigate any potential violations of the Prepaid Funeral Services Act or regulations. "Currently, there are two funeral home owners that are actively working toward having their licences reinstated," the email reads, but doesn't name the businesses. The department also said it continues to work with funeral homes to help them become compliant with the legislation, so that their suspensions can be lifted. Sherry Gambin-Walsh is the minister of Service NL, which oversees the funeral home industry. "I should basically concentrate on what we do best - that's serve families," he told CBC News. When later contacted by CBC News, Terry Green - who owns both funeral homes - declined to comment about prepaid funeral services. Money is usually put in trust or into an insurance, whichever way the family would prefer, until the time of passing." Whatever you pay today is what your funeral will cost then. "Say if you pass away 10 years down the road, and the price of funerals goes up, but you've already paid it now, then it doesn't make a difference. "Usually how a pre-arrangement works is somebody pays their funeral - say if somebody pays for their funeral today, then your price is guaranteed," the employee said. (Facebook)Ī Gordon Woolfrey Funeral Home employee described the process there. Employees for Botwood, Sunset Memorial and Gordon Woolfrey funeral homes, which are all owned by Terry Green, said they either accept money through an insurance agent, in trust, or a combination of the two, respectively. ![]()
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