What is a funeral plan?
Planning for the future can bring peace of mind, especially when it comes to funeral arrangements. A funeral plan is a prepaid service that allows you to cover the essential costs and make key decisions about your funeral in advance.
Designed to reduce the financial and emotional burden on loved ones, funeral plans provide a clear and practical way to ensure your wishes are respected.
What does a funeral plan cover? Our funeral plans are designed around you
Lock in today’s prices for peace of mind
With a Golden Charter funeral plan, you can secure the cost of the funeral director’s services at today’s prices. This means your loved ones won’t have to cover those costs themselves when the time comes. Even if prices rise in the future, once your plan is fully paid*, there will be nothing more to pay for these funeral director services – guaranteed.
Plan ahead to ease the burden on your loved ones
Talking about funerals can feel uncomfortable, but planning ahead can make a difficult time much easier for your family. A Golden Charter funeral plan ensures that your arrangements are in place, helping to reduce stress and worry for your loved ones when they need support the most. In one call to your funeral director, your plan can be activated.
What’s included in a Golden Charter funeral plan?
Golden Charter funeral plans are designed to cover your chosen funeral director’s services – locked in at today’s prices. Our plans include a built-in allowance towards third party costs, with the exception of our Direct Cremation Plan, which guarantees that the cremation fee will be fully covered.
The allowance towards third party costs can be for essential services such as cremation or burial, plus a minister or officiant’s fee to perform the service, which aren’t directly provided by the funeral director. The value of the allowance included in your plan may grow over time. There will only be more to pay at the time of the funeral if the third-party costs exceed the allowance when you buy your plan, or if the costs increase by more than the growth of your plan.
How do funeral plans work?
A funeral plan allows you to prepay for funeral director services either in a lump sum or through monthly instalments. Here’s how they typically work:
Choose a plan: Explore funeral plan options and decide on the type of funeral you want, including cremation or burial preferences.
Agree on costs: Lock in today’s prices for the funeral director’s services covered by your plan, protecting against inflation.
Make arrangements: Work with us to specify your wishes, such as the type of service, music, or other personal touches.
Provide peace of mind: The plan ensures that when the time comes, your loved ones won’t have to make difficult decisions during an emotional time.
What are the benefits of a funeral plan?
Take care of your family
Enjoy the peace of mind of knowing you have helped save your family from the worry of funeral costs and arrangements.
Your funeral director
Arrange the send off you really want with a trusted, local funeral director.
Saving you money
By paying for your funeral director’s services at today’s prices, you can avoid any potential future increases in the cost of these services.
How much does a funeral plan cost?
Our Direct Cremation Plan is £1,885. You can pay in one single payment or opt for monthly payments over 12 months up to 10 years (dependent on age and the plan type you choose).
You can compare all Golden Charter funeral plans, or generate a free, no obligation quote, bespoke to your requirements.
What happens to my money when I take out a funeral plan?
At Golden Charter, we understand that protecting your money is a top priority. That’s why your payments are safeguarded through the Golden Charter Trust, ensuring your funds are secure and only used for your funeral arrangements.
Your money will be transferred and held in the Trust after we deduct our arrangement fee. With almost £1.2 billion under management, the Trust is operated by a Board of Trustees, completely independent of Golden Charter*. The Trustees are chosen for their skills and experience, and safeguard the payments made by our customers.
The Trust exists for the protection of both the plan holders who have purchased funeral plans from Golden Charter Limited, and for the funeral directors who have undertaken to carry out the funeral services in accordance with the terms and conditions of the funeral plans. Find out more about the Trust and how it protects customers’ funds.
Got questions? Talk to us!
We're rated as excellent on Trustpilot
