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Paying for your funeral plan

Golden Charter is required to invest all funeral plan payments into a trust fund regulated by the Funeral Planning Authority (FPA) or a life assurance policy regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). This means your money is managed independently from Golden Charter itself. In addition, the FPA of which Golden Charter is a member, exists to help protect plan holders’ interests

The plan prices indicated are standard prices available in most areas of the UK. In some areas, prices may vary. We will advise you of any variance before processing your application.

Payment in full

  • Pay a single payment by debit card, credit card or cheque
  • Payments in full will be paid into the Golden Charter Trust
  • If you cancel within 30 days, we’ll refund the payment you’ve made
  • If you cancel after 30 days, we’ll refund the payment you’ve made, less the cancellation fee (see Terms and Conditions)
  • There are no medical questions and the plan is available to anyone.

50+ Base Plan50+ Standard Plan50+ Select Plan50+ Premier Plan
One Single Payment £2,295.00 £3,285.00 £3,665.00 £3,999.00
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To buy online please click here, or alternatively click here to request a brochure.

Payment by 12 instalments

  • Pay for your plan by Direct Debit over 12 months at no extra cost
  • Payments by 12 instalments will be paid into the Golden Charter Trust
  • If you cancel within 30 days, we’ll refund the payment you’ve made
  • If you cancel after 30 days, we’ll refund the instalments you’ve made, less the cancellation fee (see Terms and Conditions)
  • If you die before all instalments have been paid, the outstanding balance will be requested from your family or estate. Alternatively, the plan may be cancelled and we would refund any instalments made less the cancellation fee (see Terms and Conditions)
  • There are no medical questions and the plan is available to anyone
  • The following table indicates your 12 monthly instalments, depending on the plan you choose.

50+ Base Plan50+ Standard Plan50+ Select Plan50+ Premier Plan
Total Amount Payable £2,295.00 £3,285.00 £3,665.00 £3,990.00
Minimum Deposit £95.00 £95.00 £95.00 £95.00
11 Payments of £183.34 £265.84 £297.50 £325.34
1 Payment of £183.26 £265.76 £297.50 £325.26
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We also offer the option of paying by instalments over any period up to 10 years. Please call 0800 171 2077 for further details.

To buy online please click here, or alternatively click here to request a brochure.

Pay by fixed monthly payments

If you pay by fixed monthly payments, at the end of the first two years, and as long as you keep paying your payments when due, your funeral director’s services will be guaranteed. Your funeral arrangements are made with Golden Charter, who will use your payments to take out a Whole of Life Policy with AXA Wealth Ltd. This will fund your funeral when you die. For further information see the Terms and Conditions.

  • You can pay by fixed monthly payments if you are a UK resident aged between 50 and 80. There are no medical questions
  • Your fixed monthly payments depend on your age and which funeral plan you choose
  • Payments need to be made every month until you are aged 90, or until you die – whichever is sooner
  • Your monthly payments must be made by Direct Debit
  • The services included within your funeral plan will only be covered after you've been paying into the plan for two years.
  • If you were to die within the first two years the services included within your funeral plan would not be covered. However, your selected funeral director could still carry out the funeral. The funeral director would receive all of the money you have paid in plus an additional 20% to help towards the cost of your funeral (see Terms and Conditions)
  • Depending on how long you live, the total cost of the funeral when you die may be less than the total payments made
  • If you cancel within 30 days, your payment will be refunded to you
  • If you cancel after 30 days, or stop paying your payments, your funeral plan will be cancelled and you won’t receive anything back.

The table below shows the fixed monthly payments for each plan

  1. Refer to the column for your chosen plan (the plan names are at the top of the table).
  2. Go to the row that indicates your current age.

If you need any assistance choosing a payment option, or selecting your fixed monthly payment, please call us on 0800 171 2077.

Fixed monthly payment table

Your Age50+ Base Plan
Monthly Payment
50+ Standard Plan
Monthly Payment
50+ Select Plan
Monthly Payment
50+ Premier Plan
Monthly Payment
50 £14.69 £22.36 £25.30 £27.89
51 £14.97 £22.78 £24.16 £28.42
52 £15.30 £23.29 £26.36 £29.05
53 £15.68 £23.87 £27.01 £29.77
54 £16.09 £24.49 £27.71 £30.54
55 £16.52 £25.14 £28.45 £31.36
56 £16.97 £25.83 £29.23 £32.21
57 £17.43 £26.53 £30.03 £33.10
58 £17.91 £27.26 £30.85 £34.01
59 £18.42 £28.03 £31.72 £34.97
60 £18.95 £28.84 £32.64 £35.97
61 £19.51 £29.70 £33.61 £37.04
62 £20.11 £30.61 £34.65 £38.19
63 £20.76 £31.60 £35.76 £39.42
64 £21.46 £32.67 £36.97 £40.76
65 £22.22 £33.83 £38.28 £42.20
66 £23.05 £35.08 £39.70 £43.76
67 £23.92 £36.42 £41.21 £45.43
68 £24.86 £37.84 £42.82 £47.20
69 £25.84 £39.33 £44.51 £49.07
70 £26.86 £40.88 £46.26 £50.99
71 £27.89 £42.46 £48.05 £52.96
72 £28.94 £44.05 £49.85 £54.95
73 £29.98 £45.64 £51.64 £56.93
74 £31.02 £47.21 £53.43 £58.89
75 £32.08 £48.82 £55.25 £60.90
76 £33.21 £50.55 £57.21 £63.06
77 £34.52 £52.55 £59.47 £65.55
78 £36.20 £55.11 £62.36 £68.74
79 £38.58 £58.72 £66.45 £73.25
80 £42.28 £64.36 £72.84 £80.29
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Prices correct at April 2014 and subject to change without notice.

To buy online please click here, or alternatively click here to request a brochure.