Your frequently asked questions about later life planning answered.
Below is a list of questions we’re asked most and our answers. If you can’t find what you’re looking for, simply get in touch with us.
Can anyone apply for a Golden Charter funeral plan?
Our plans are available to all UK residents, regardless of age or state of health. If you choose to pay by low cost instalments then you must be 78 or under when you apply. If you choose the fixed monthly payment option then you must be aged between 50 and 80. There are no maximum or minimum age limits if choosing to pay by single payment or by 12 monthly payments.
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 application form. If you don’t have any preference, we’ll simply appoint a funeral director near to you from our network of local independent funeral directors. If it isn’t possible to appoint your plan to your preferred funeral director, we’ll let you know so we can work with you to choose an alternative.
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 Key Features and Terms & Conditions.
What happens once I've bought my plan?
We’ll send you a plan documents folder with all the information about your plan, as well as a membership card.
What happens if my funeral director goes out of business?
If that happens, we’ll contact you to discuss options to reallocate your plan to another funeral director near you.
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 involve extra costs, you may be able to add these on to the total cost of your plan (except where you choose to pay by the fixed monthly payment option).
What happens when I die?
Just one phone call and it’s all taken care of. Your plan documents folder contains the 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.
What if I die while in another country?
If you intend to travel overseas, we recommend that your travel or medical insurance policy includes cover for repatriation costs back to the UK. Your funeral plan covers the cost of transportation of the deceased from the relevant UK airport or port to the funeral director’s premises.
Can I transfer my plan to someone else?
For all payment options, except the fixed monthly payment option, you can transfer the benefit of the funeral services to a nominated family member or friend who dies before you. Where you pay by the low cost instalment option you can only transfer the benefit of the funeral services if the total cost has been paid.
Any change of arrangements following such a transfer (for example, a change of address for the nominated family member leading to increased transportation costs) may mean that we have to appoint a different funeral director. It may also mean that you need to pay additional sums.
What happens if I die before I've made all the payments?
This will depend on the type of payment method you have chosen. Please refer to the Terms and Conditions and Key Features for more information.
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.
Can I take out a plan for anyone else?
Yes, just complete the plan holder’s representative section on the application form, and we’ll arrange for all correspondence to be sent to you. If paying by the fixed monthly payment option, please note the plan holder will be contacted directly by the life assurance company that provides this payment option.
How to register a death
All deaths need to be registered with the registrar for births, deaths and marriages. This must be done within five days in England, Wales and Northern Ireland and eight days in Scotland.
If a death has been referred to the coroner, you’ll need to wait for them to give permission before you can register the death. There’s no cost for registering a death. But you will need to pay to get copies of the death certificate.