Can a memorial plan company provide complete memorial service including interment service

TO       :   SAA

                CMO

                CSS 2

Subject:    Is a memorial plan company telling the truth, or stretching the truth to its limit regarding complete services

Yesterday, in the sales conference held in Mindoro a top seller, avid fan of a memorial company  rose her hand in response to a plot and  prepaid interment service 12.3 which we have been pushing and promoting since July. The promo ends in September.

We are saying here that the plot sales does not include the interment service (ie burial services:   excavation providing the vault, the interment ceremonies, etc.  It is not included in the price of the plot.  So a buyer need to worry pa more that when she/he needs the plot, she still has to buy services at need

We are offering in the October sales campaign a plot say P30,000 + interment service 12.3 only at P746.00/month for sixty months

SHE SAID THAT ACCORDING TO THEIR COMPANY, THE COMPANY which purportedly under the scope of its business offer only funeral service, does provide the interment service.  We said this to be incorrect.   The interment service is a distinct and separate service that a funeral homes WILL BE UNABLE AND CAN NOT PROVIDE.  Only we Holy Gardens Memorial Park, can provide the service and furthermore in the future:

         PLOTS

         INTERMENT SERVICE

         FUNERAL SERVICE (as in Pangasinan and Calamba) where  we have funeral service, or areas where we have chapel memorial service

        and later on Cremation service and Ash crypts

LET US EXPLAIN THIS TO OUR BUYERS AND VALUED CUSTOMERS.  Some merchants of good news carry false news. Let us be merchants of truth

            

--

SETTING THE STANDARDS IN INTERMENT SERVICE

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  Jorge U. Saguinsin

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   Patsikot/SUV Promo

   Bonus pa more sa pagtulong sa bentang todo2

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Slideshare on memorial plan

For a better understanding of memorial plans/packages:

Sales training slideshare:

Basic Sales training of Philplans for Memorial Plans

St Peter Life Plan by Melganda

VM Strategic Objectives of Memorial Plan and Chapel and Memorial Services

The following are the proposed Vision and Mission statements for both the Holy Gardens Plan and Chapel and Memorial Services:

1.  Vision:     To provide affordable memorial plans to one out of every 5 homes in the country.

                    "Every Juan (one) must have a memorial plan

2.  Mission:

    1. To provide unique and unforgettable memorialization services

    2.  To provide affordable memorial services to every one (with the P20 and P35 packages)

    3.  To assist the indigent in their memorial needs through free infant caskets, 10 to 12t services and help desk contributions from the Memorial Park, Chapel and Memorial services.

   The HGMP Interment service, Chapel Memorial Service and Memorial Plans are tasked with making regular quarterly contribution of 3% of their gross profit

3.  Strategic Objectives:

   1.  To reach P500.00 million plans in force in 3 years time, P1.00 billion in 5 years time

   2.  To be in 10 major cities/areas and highly populated areas in the next 5 years:

        1.  San Fernando La Union (and Bauang, Agoo area)

        2.  San Carlos City (Calasiao, Dagupan, Malasiqui, Sta Barbara)

        3.  Calamba, Sta Rosa, Los Banos, Sto Tomas Batangas

        4.  Calapan City

        5.   Oton (Iloilo City) Arevalo, Villa, Molo

        6.  Imus, Silang Dasmarinas Area

        7.  San Pablo, Sta Cruz, Pagsanjan

        8,  Cainta, Angono, Binangonan Taytay Area

        9.  Tarlac

       10.  Pampanga

        11.   Bicutan, Taguig, Pasig, Pateros Area

   3. To be no #2 Memorial Plan in the country

Strategies:  ( for Memorial Plan)

1.  Utilize the current resources of HGMP; to piggy back for admin, finance, hr requirements

2.  Sell to current HGMP customers utilizing  CSS and Sales executives, 

offer regular commission to SE and 15% of collection on the first year to all Holy Gardens Staff

3. Organize MP sales force;   CC could be the Regional Sales Director for the Calamba, Cavite area;  VS could be the RSD for Region 1. Award . 005 orc for RSD

4.  Enter into non Holy Gardens Memorial Park through mortuary servicing agreement with generous and prompt  payment option.  A royalty of 1 to 5 years could be offered between 1-3% of net price to whoever can close (Plan will pay) for the next 3 years.

5.  Enter into jv and franchising  3rd until 5th year

6.  Build own chapel from 6th year onwards  preferably with columbarium and crematorium

Jorge  S

The Holy Gardens Group - "THE MEMORIAL EXPERTS"

Please reply.    CCD 2.27

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.

RRURAC:    Read, Respond, Understand, Reflect, Apply and Check

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We should be proud of our achievement

It is sad to note that some promising companies are not going to see more years of existence under present owners because they are up for sale; or are closing down.  Why did this happen?

1. Quality of management

2. Determination and drive of owners;

3.  Business strategy employed?

Some companies may be glitzy or located in high profile areas but not so solid nor are the leaders so matured.

This office advised the  company chairman on some finer points or real estate:

Preparation of corporate plan for 2015

Beginning November 16, 2014, we will be requiring SBUs and other units to start working on corporate plan for   2015

Objectives:

Holy Gardens  Memorial Park   2015

                                          Sales        Net Income               Cash Receipts

Plot sales                    116,000,000

Chapel Use                     2,000,000

Crematorium                    2,000,000

Total                             120,000,000

vs Last year

Plot sales

Chapel Use

Crematorium

Total                        

Please note that we will be having 75% of 2015 business on new products

Memorial Plan

               1200 x 50t = 60,000,000;   100 units/month   20/sbu  (50% with agents and staff)

Products:

PLOTS

Interment service

Plot  + Interment Service

Plot + Interment Service + CU

BODY CRYPTS

Bc

BC + CU

ASH CRYPTS

Cremation

Ash Crypts +  Cremation

Ash Crypts + Cremation + CU

Strategy:

1.  Cap ex:

     Build crematorium        -  14,000,000.00 x 50%

    Body crypts                        7,000.000.00

     Calamba   -   500,000

    Pangasinan   500,000     

    La Union        500,000       1,500,000.00

    Karuwahe  

    180,000 x 3 for Calamba     540,000.00

    Panga,  and La   Union   

Irrigation at La Union               500,000.00

Solar at Panga and La Unin 1,000,000.00       

Road works             

     Oton             500,000

     Calapan       500,000       1,000,000.00

Backfilling:

     Panga                              2,000,000.00

     Calapan                           2,000,000.00

     Oton                                2,000,000.00

Chapel                

     Calapan                          2,000,000.00

     Oton                               2,000,000.00-

    

                            Total       21,540.000.00

HGGMP ravine development:    

                                             2,000.000.00

Total                                  23,540,000

Sources:  

Internally generated:

Cash from sales  -  P15,000,000.00

Advances from sbu

Loans from Majorem

2.  Park beautification

    1.  More tree and shrub planting

    2.  Vertical gardens

   3.  Buildling of ponds, gazeebo, waterfalls.

   4.  Signages

3. System improvements:

   1.  Accounting  FS generation,  remove 2 years FS backlog

   2.  Documents

   3.  Sales admin (payment of commissions, accreditation

   4. Filing

  

Jorge  S

Holy Gardens Group - "THE MEMORIALIZATION SPECIALISTS"

Please reply.    CCD 2.27

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.

RRURAC:    Read, Respond, Understand, Reflect, Apply and Check

BIDDA:    BELIEVE INSPIRE DREAM DO ACHIEVE

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Please summarize sa grid/excel

Jorge US

Holy Gardens Group

Please reply.    CCD 2.27

Good morning..

Sir please see the attached file.. for the summarize of  product plan for a proposed memorial plan company..

Product Plan for a Proposed Memorial Plan Company
PRODUCT	SRP	ANNUAL	SEMI-ANNUAL	QUARTERLY	MONTHLY
7.1.1 Interment service	P 23,800.00	4.760.00	2,618.00	1,332.80	456.16
Vault
Tent chairs, carpets
Ceremonies
Tributes and memorialization at the chapel and/or residence
residence of the deceased
Free on line obits
Convoy ribbons
Modest merienda for the family of deceased.
Epitaph,
Grass and tablet marker (for lawn lots only)
7.1.2   Funeral service
Features:
Product Name  -
Wooden casket, with full body viewing, elegant interior, 2 nights 3 days viewing  +  embalming and cosmetics
Wood casket	29,965.00	29,965.00	3,299.00	1,678.10	574.32
Chapel use 2 nights (non aircon)
Metal casket	77,777.00	15.540.00	8,555.50	4,335.51	1.490.72
Metal -   local, full glass, elegant interior, with lighting, imported interior. double cover.
Cost
Metal Casket  plus embalming      -
Chapel use   3 nights
Hearse
Imported Metal casket	100,500.00	20,100.00	11,055.00	5,628.00	1.926.25
Full body view, double cover elegant interior
Casket cost
Embalming
Hearse
Chapel use
7.1.3  Cremation  (Direct Cremation) (FOR EVERY JUAN)	25,200.00	5,040.00	2,772.00	1,411.20	483.00
Cremation
Urn
7.1.4     Body crypts	22,800	4,560.00	2,508.00	2,508.00
Body crypt (apartment  5 year lease)
A and D only
Service  - tent + 24 chairs + tent  + marker
2. Combo packages
Core  -  Plots
	74,400.00	14,800.00	8,184.00	4,166.40	1,426.00
2.1 Plot plus interment service
Plot         -  Universal
Interment Service
2.2.   Plot plus chapel use +  interment service	89,500.00 (only)	17,900.00	9,845.00	5.012.00	1,715.41
Plot
Chapel use
Interment service
2.3  Plot plus chapel +  interment  + funeral service  (wood)	111,000.00	22,200.00	12,210.00	6,216.00	2,127.50
Plot         (with PC)
Chapel  use
Interment service
Wood casket
2.4  Plot + chapel use + IS  + metal casket	147,000.00	29,400.00	16,170.00	8,232.00	2,817.50
Plot     (with PC)
Interment service
Chapel use
Metal casket (local)
2.5  Plot + Chapel use +  IS + Imported Metal Casket	183,000.00	36,600.00	20,130.00	10,248.00	3,507.50
Plot
Interment service
Chapel    use
Imported metal casket
Core    -  Ash crypts
2.2  Ash crypts  + cremation  + urn	78,400.00	15,680.00	8,624.00	4,390.40	1,502.66
Ash crypt   (upper 2 and lower 2 only)
Cremation
Urn (basic)
2.3  Ash Crypt  + cremation + Urn + Chapel use	93,100.00	18,620.00	10,241.00	5,213.60	1,708,40
Ash crypt (upper 2 and lower 2 only )
Cremation
Urn                                (basic)
Chapel use
Core:     BC    (FOR EVERY JUAN)
1.  Body crypts   + IS   +   Chapel  use	35,400.00	7,080.00	3,894,00	1,982.40	678,50
Body crypt  (5 year lease)  C and D layer only
Service
Chapel use
2.  Body crypt +  IS +  CU + Wood Casket	59,400.00	11,880.00	6,534.00	3,326.40	1,1385,00
Body crypt  (universal C and D layer only)
Service
Chapel use
Wood casket
3.   Body crypt +  CU + Metal Casket   +  Chapel Use	83,400.00	16,680.00	9,174.00	4,670.40	1.598.50
BC   (Universal  - A and D layers only)
Interment Service
Metal casket   (local)
Chapel Use

thanks!

mercy..

"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  retransmittal , reuse,reprinting or taking action other than the intended party is strictly prohibited. Holy Gardens assume no responsibility liability arising from such unauthorized use.

This computer, email account and its contents are the property of Bereavement Providers Inc. the use of this computer and email account are exclusively for business and private  use is strictly prohibited.   The Company reserves the right to access this email and to check the information of this files of this Account. 

On Fri, Oct 31, 2014 at 11:42 AM, Holy GardensGroup <holygardens.group@gmail.com> wrote:

Attention:  Mercy

October 31 2014

Product Plan for a Proposed Memorial Plan Company

A happy and special place

We are soliciting your comments and inputs for this planned memorial plan products and packages.

We are in the process of acquiring a financial plan company (a memorial plan).  We are sure of this complementing our product and service lines, and can facilitate consolidation of several product for one stop shop, total memorial planning.   Everything can be there:

Advantages of acquiring a memorial plan:

1. Under a package, everything is there:  plot, memorial service, chapel use;  no need to mind other details.  Just one company will take care of everything

2.   For certain products, your price is protected

3.  Everything is cheaper under a package because repetitive costs are eliminated;

4.  For a small amount, you can acquire great memorial package.

5.  Since Holy Gardens know the memorialization business, and has been selling plots and interment service, you are assured that you are dealing withmemorialization experts

Memorial plan value packages.

1.  Body crypts (apartment type)   and chapel use, casket (funeral service)

2.  Cremation with urn, plus ash crypts

3.  Lawn lots plus chapel use, funeral service, interment service.

Since the interest rate for the plans are very small and negligible, you can see that the proposed prices are very competitive and attractive.




Suggested names:

Ash crypts   -  Gems

Body crypts -   Flowers

Funeral service  -  Saints

Combo package - Fragrances

1.  Product categories

    1.1.  Basic Stand alone

           IS 

           Cremation

           BC

    1.2   Combos Packages

    1.3  Low end products  (pang masa)  (anything below 50t

    1.4  Classy  (anything above 100t)

3.  Universal products (uniform for all branches and all plans)

    Plans will cover only regular plots, services and upper and lower tier of BC crypts;  special location will require premium upgrades.

   Plans are not covered by Sundays and holidays restrictions, but not subject to to OSCA discounts

4.  Insurance and installment protection  (built in)  one year contestability period

    1.   Installment deemed paid upon natural death;   however, failure in age restriction (18 to 60)  and adverse health conditions denies them the coverage

    2.  ADD - balance deemed paid  upon accidental death

    3.  Total disability -  loss of eye and limb exempts the buyer from further installments

    4. The insurance is built in the payments;  no further payments required

    5. Ceases upon transfer or missed payments

5. Return of payments

    In case the customer is still alive, and is still between the age of 18 to 20, there will be return of payments on the end of 21st until 25th year, 20% of the principal until fully paid.

   Such benefits end in case of transfer or death...

6.  Manner of payments and interest straight line, discount

    Cash, Annual (without interest)  Semi annual  (10% interest)    Quarterly (12%) and monthly  (15%)

    8% spot cash discount

    5% 30 days payment

    2% for 60 days payment

7.  Products:    CGS and  MA

   7.1  Basic:

         7.1.1 Interment service

             Vault

             Tent chairs, carpets

            Ceremonies

           Tributes and memorialization at the chapel and/or residence of the deceased

           Free on line obits

          Convoy ribbons

          Modest merienda for the family of deceased.

          Epitaph,

          Grass and tablet marker (for lawn lots only)

                     SRP                  -   P 23,800.00

Annual                                         4.760.00

Semi annual                                2,618.00

Quarterly                                     1,332.80

Monthly                                          456.16

        7.1.2   Funeral service

             Features: 

             Product Name  -    

             Wooden casket, with full body viewing, elegant interior, 2 nights 3 days viewing  +  embalming and cosmetics

Wood casket          

  Chapel use 2 nights (non aircon)              

  

                         SRP                   29,965.00

Annual                                       5,993.20

Semi annual                              3,299.00

Quarterly                                   1,678.10

Monthly                                        574.32

Metal casket

Metal -   local, full glass, elegant interior, with lighting, imported interior. double cover.

Cost      

Metal Casket  plus embalming      - 

Chapel use   3 nights                

 Hearse                                             

                                                       

                                      SRP        -77,777.00

Annual                                         15.540.00

Semi Annual                                  8,555.50

Quarterly                                        4,335.51

Monthly                                          1.490.72

Imported Metal casket

Full body view, double cover elegant interior

Casket cost                          

Embalming                          

Hearse                                       

Chapel use                            
      

                               SRP          -  100,500.00

Annual                                        20,100.00

Semi annual                               11,055.00

Quarterly                                      5,628.00

Monthly                                        1.926.25                           

7.1.3  Cremation  (Direct Cremation) (    FOR EVERY JUAN)

Cremation                       

Urn                                   

                                                                                                
                              SRP                 25,200.00

Annual                                          5,040.00

Semi annual                                 2,772.00

Quarterly                                      1,411.20

Monthly                                           483.00  -->  AFFORDABLE

7.1.4     Body crypts

            Body crypt (apartment  5 year lease)                

            A and D only

            Service  - tent + 24 chairs + tent  + marker       

                                                

                                                  SRP                             22,800

Annual      -   4,560.00

SA             -    2,508.00

Quarterly -    1,276,80

2. Combo packages

     Core  -  Plots

2.1 Plot plus interment service

Plot         -  Universal

Interment Service

                               SRP             74,400.00

Annual                                      14,800.00

Semi annual                               8,184.00

Quarterly                                    4,166.40

Monthly                                       1,426.00      

2.2.   Plot plus chapel use +  interment service

  Plot                               

 Chapel use                   

Interment service            

                                       ________

SRP    -                           89,500.00    only)

Annual     -                    17,900.00

Semi annual                  9,845.00

Quarterly                       5.012.00

Monthly                         1,715,41

2.3  Plot plus chapel +  interment  + funeral service  (wood)

Plot         (with PC)                       

Chapel  use                  

Interment service           

Wood casket               

                                    _________

                          

                           SRP  111,000.00

Annual                        22,200.00

Semi Annual               12,210.00

Quarterly                      6,216.00

Monthly                        2,127.50

2.4  Plot + chapel use + IS  + metal casket

Plot     (with PC)                           

Interment service        

Chapel use                    

Metal casket (local)                

                      

                        SRP      147,000.00

Annual                29,400.00

Semi annual       16,170.00

Quarterly              8,232.00

Monthly                2817.50        

2.5  Plot + Chapel use +  IS + Imported Metal Casket

Plot                                 

Interment service           

Chapel    use                  

Imported metal casket   

                      

                         SRP       183,000.00

Annual             -            36,600.00

Semi Annual   -            20,130.00

Quarterly        -             10,248.00

Monthly          -               3,507.50   

Core    -  Ash crypts

2.2  Ash crypts  + cremation  + urn

Ash crypt   (upper 2 and lower 2 only)                 

Cremation                                                              

Urn (basic)                                                                         

                                       SRP   78,400.00

Annual                   -               15,680.00

Semi Annual          -                 8,624.00

Quarterly               -                 4,390.40

Monthly                 -                 1,502.66             

2.3  Ash Crypt  + cremation + Urn + Chapel use

Ash crypt (upper 2 and lower 2 only )               

Cremation                                                         

Urn                                (basic)                          

Chapel use                                                         

                                                            

                                  SRP         93,100.00

Annual                                      18,620.00

Semi annual                             10,241.00

Quarterly                                    5,213.60

Monthly                                      1,708,40

Core:     BC    (FOR EVERY JUAN)

1.  Body crypts   + IS   +   Chapel  use                    

    Body crypt  (5 year lease)  C and D layer only                           

   Service                                                            

    Chapel use                                                    

                                

                    SRP                                35,400.00

Annual                                                7,080.00

Semi Annual                                       3,894,00

Quarterly                                             1,982.40

Monthly                                                  678,50

2.  Body crypt +  IS +  CU + Wood Casket

     Body crypt  (universal C and D layer only                                                1

     Service                                                         

    Chapel use                                                   

     Wood casket                                              

                    

                

                SRP                                    59,400.00

Annual                                              11,880.00

Semi annual                                       6,534.00

Quarterly                                             3,326.40

Monthly                                               1,1385,00

3.   Body crypt +  CU + Metal Casket   +  Chapel Use

       BC   (Universal  - A and D layers only)                                                        

       Interment Service                                                            

      Metal casket   (local)                                        

      Chapel Use                                               

                 

                             SRP                                   83,400.00

Annual                                                         16,680.00

Semi Annual                                                 9,174.00

Quarterly                                                       4,670.40

Monthly                                                         1.598.50          

Some restrictions:

1.  Chapel use is subject to availability

2. Refund for unrendered service in case of chapel unavailability

3.  Radius of service is 25 km.  Those beyond the 25 km;  those beyond shall be charged extra for every km in excess

4.  The plans shall emphasize plan value rather than the service;  prices for assets can be fixed but not for services.  The plan value is emphasized rather than the content of the services whose costs may run away

5. Some costs are for the customer:   extra transport, permits, markers, clothes of the deceased, and other services not specified.

Refer to Terms and Conditions of SPLP Terms of Life Plan Contract.

This is not a prospectus nor an offer to sell but a research to solicit elicit responses from the market

Posted by HolyGardens at 10:27 AM  

Labels: memorial plan, memorialization experts, packages, pricing, product plan

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Jorge US

Holy Gardens Group

Please reply.    CCD 2.27

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