Ms. Marina de la Cruz has told me story of the very agressive and progressive business practices of Gaite group of companies (Head is Tess Gaite) They own several memorial parks in Mindanao:
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1. Panabo
2. Digos
3. Toril
4. Kidapawan
They are and/or were engaged in subdivision development, memorial parks, funeral homes and financial services to support their memorial
park business.
This could be an alternative (we had done this before) in case we do not acquire the Memorial Plan company:
Strategies
1. The tie up with their own memorial parks and other servicing mortuary
2. The 4 in 1packages (where there are generous discounts offered)
1. 20% discount for at need prices
2. 20% senior citizen discount
3. interment discount (say 10%)
3. Lifetime Membership Program (LMP- formerly Primulco - Primordial Multipurpose Coop) that involves payment of: LMP
of say
Regular:
Amount of Premium - P10,900.00
Membership fee 200.00
DP 1,300.00
Partial service fee 400.00
Full service fee 9,600.00
Annual Dues 700.00
Monthly SF for 24 mos 400.00
Guarantee Mortuary benefit 109,000.00?
I doubt even if the payment is for 20 years:
Total payments:
Service fee - 10,300.00
Annual dues
700 x 20 14,000.00
Membership fee 200.00
Total 24.500.00
Say invested at 5% for 20 years.
FV = 2.78 x 24.500 = 68, 256.00!!!!
This is actuarially unsound?!
Membership
Other premium rates and GMB:
Regular 2 13,000.00 130,000
Associate 1 3,500.00 16,000
Associate 2 4,500.00 4,900
CONFIDENTIALITY NOTICE/disclaimer: The information contained herein is strictly confidential in nature and is the property of Holy Gardens Group and intended only for the intended recipient and its reuse,reprinting or taking action other than the intended party is strictly prohibited. Holy Gardens assume no responsibility liability arising from such unauthorized use.
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