Your later life planning questions answered

Everyone has questions. Here we try to answer frequently asked questions about our products, services and the ways you can buy and pay. Any other questions, don't hesitate to get in touch

Funeral Plans FAQs

Can I take out a plan for someone else?

Yes, simply complete the ‘plan holder’s representative’ section of the application process. 

We will arrange for all correspondence to be sent to you, however if paying by fixed monthly payment, please note the plan holder will be contacted directly by Phoenix Life Limited who provide this payment option.

What if I move to a different area?

Please let us know you are moving so we can update our records.  You will have the option to move your plan to a different funeral director, if required.

What if I change my mind?

If you cancel within 30 days we will refund the payment you have made.  For details of cancellation terms after 30 days, please see the terms and conditions.

What if I die whilst on holiday?

As an additional benefit, should you die away from home but within mainland UK, we will arrange transportation back to the funeral home.  Overseas transportation is not included in your plan.  Please refer to the terms and conditions. for full details.

What happens if my funeral director goes out of business?

We will inform you if this happens and appoint a new funeral director in accordance with your wishes.

What if I have special requests for my funeral?

You can tell us about any special wishes for your funeral when you apply.  If these incur additional costs, not covered by your plan, these will need to be paid at the time of the funeral.

What happens when I die?

As a plan holder you will receive a membership pack containing contact details for your funeral director. When the time comes your family simply contacts the funeral director and quotes your plan number. The funeral director will then take care of all the arrangements.

Can I choose my own funeral director?

If you have a preferred funeral director, you can let us know when you apply.  If you don’t have any preference, we will simply appoint a funeral director near to you from our network of local independent funeral directors. Golden Charter will make every effort to allocate your plan to your selected funeral director, however this is not always possible. If this is the case, we will contact you to advise you of this and discuss an alternative choice of funeral director.”

What happens with my money?

Your payments are protected.  Depending on how you have chosen to pay, your money will be paid into the Golden Charter Trust or a life assurance policy with Phoenix Life Limited.  It will be held there until needed to pay for your funeral arrangements.

What happens once I've applied?

When your plan is accepted, you will receive a membership pack including a membership card and a summary of plan information and, once your plan is fully paid, a certificate containing your plan number (with a spare certificate to give to your next of kin). If you have chosen to pay by fixed monthly payments, your certificates will be sent after 2 years’ continuous payment.

We may also call you to make sure you are happy with the details of your plan and payment choice.

What is a Will?

Will is a document which expresses your wishes for what happens with your estate when you die. When you die a copy of the Will should be passed to your executors who will aim to fulfil your wishes in accordance with the instructions in your Will.

Where is my Will stored?

Golden Charter can either store your Will in a secure location (if you have chosen to include this in your plan) or send it back to you for safe keeping.

What if I already have a Will?

You can use your Golden Charter Will as an opportunity to update your existing Will with a new one. Alternatively, you might consider gifting it to a family member or friend.

What happens if I die before I have made all of my payments?

This will depend on the type of payment method you have chosen. If you are paying by 12 monthly instalments and you die before all payments have been made, the balance will be requested from your estate so your funeral can still be carried out. Or, the plan can be cancelled and the payments refunded (less £249 cancellation fee).

If you have chosen the low cost monthly instalment option and you die within 12 months, all the money you have paid will be returned to your estate. If you die after 12 months but before all of the instalments have been paid, the balance will be requested from your estate so that your funeral may still be carried out.

If you have chosen to pay by fixed monthly payments and you die within the first two years, the funeral director will receive the money you have paid plus an additional 20% provided your payments are up to date. Your family or estate will then have to pay the balance.

Why do I need probate if I have a Will?

The purpose of your Will is to document what you wish to happen to your estate after death. Probate is the process that allows the distribution of the estate to the beneficiaries of your Will.