Golden Charter - Smart Planning for Later Life
Golden Charter - Smart Planning for Later Life

What is a prepaid funeral plan?

A prepaid funeral plan is a safe and simple way to pay for your funeral director’s services in advance. Not only will our funeral plans provide you with the peace of mind that everything will be carried out according to your wishes, you will also help relieve potential financial pressures from your loved ones at a difficult time.



What’s included in a funeral plan? 

Dependent on the funeral plan you choose, some elements of the plan may differ however as standard, all prepaid funeral plans from Golden Charter include the provision of our funeral directors services. As part of this, our funeral directors will arrange collection and transportation of the deceased to funeral director premises (within a 25 mile radius), take care of the deceased prior to the burial or cremation, be responsible for all funeral arrangements and will provide advice to loved ones around the certification and registration of the death.


In addition, our funeral plans also include the use of chapel of rest or service rooms, a hearse to the local crematorium or cemetery for the funeral service, the funeral service itself, a coffin (type is dependent on the chosen plan), and an allowance towards third party costs (ranging from £800 to £1,100 dependent on the chosen plan).


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Is a prepaid funeral plan a smart financial decision? 

The average cost of a basic funeral in the UK in 2018 was £4,271 – a rise of 5% from 2017 and more than double the cost of a funeral in 2004.1 With funeral costs having risen quicker than the rate of inflation in the past1, there is no guarantee that money set aside in savings or ISA’s will be enough to cover the cost of the funeral when the time comes.


With a Golden Charter funeral plan, you fix the cost of the funeral director’s services included in your plan at today’s prices meaning no matter how much the cost of these services increase in the future, there will be nothing more to pay for these services – guaranteed.2

Golden Charter
Golden Charter

Prepaid funeral plans with flexible payment options 

We understand that everyone has different needs and that’s why we offer a range of plans with flexible payment options. From paying in one single payment through to payments up to 30 years (dependent on age), our plans offer you exceptional value and choice.

If you are wondering which is the best prepaid funeral plan for you, find out more about each of our plans below.

*The pay monthly prices listed above are representative based on a 50 year old, paying by the low cost instalment option with a £49 deposit over a period of 30 years.

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Frequently asked questions

Can anyone apply for a Golden Charter funeral plan?

Yes. Our plans are available to everyone, regardless of age or state of health. If you choose to pay by our low cost instalment option, then you must be 78 or under when you apply. If you choose to pay by our fixed monthly payment option, then you must be aged between 50 and 80 and a UK resident. There are no maximum or minimum age limits if choosing to pay by our single payment or by 12 monthly payment options.


Can I choose my own funeral director?

Yes. If you have a preferred funeral director, please let us know when you call, or include in the ‘Additional Information’ section of your online application or application form. If you don’t have a preference we’ll simply appoint a funeral director near to you from our network of nearly 3,000 local independent funeral directors. If it isn’t possible to appoint your preferred funeral director to your plan, we’ll let you know so we can work with you to choose an alternative.


Read more of our frequently asked questions here

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Golden Charter - Smart Planning for Later Life


*The pay monthly prices are representative based on a 50 year old, paying by the low cost instalment option with a £49 deposit over a period of 30 years.

1 SunLife Cost of Dying Report 2018

2 Once your plan is paid in full