Your later life planning questions answered

Everyone has questions. In this section we try to answer questions about our products, services and the way you can buy and pay. If you have any other questions, don’t hesitate to get in touch.

Funeral Plans FAQs

What are the impacts of coronavirus and COVID-19?

At Golden Charter, we remain open at this unprecedented time of lockdown. We are still here to provide help, support and guidance while things are different and so have compiled a list of Frequently Asked Questions about funerals and funeral plans during coronavirus and COVID-19 which you can view here.

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 low cost instalments then you must be 78 or under when you apply. If you choose fixed monthly payments 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 single payment or by 12 monthly payments. 

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 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.

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 preferred funeral director to your plan, we’ll let you know so we can work with you to choose an alternative. 

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 fixed monthly payments). 

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 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 body from the relevant UK airport or port to the funeral director’s premises.

Can I transfer my plan to someone else?

Yes, your plan can be transferred and used for the funeral of a spouse or other family member if they die before you. This option is not available if you pay by fixed monthly payments. There would be extra costs if the funeral arrangements differ from what’s specified in the plan, for example, burial instead of cremation, an additional limousine or a different location.

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 for more information. 

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 fixed monthly payments, please note the plan holder will be contacted directly by the life assurance company that provides 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.

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.

Find out more about registering a death here.