Everything you need to know about funeral plans

We understand that it’s hard to think about your funeral. But a Golden Charter funeral plan is a safe, simple way to plan ahead that can save your family worry and expense. It can also really help make things easier for your loved ones at a difficult time. And as our plan holders often tell us, that can be a big weight off your mind.

What is a funeral plan and how does it work?

A funeral plan allows you to pay the cost of the funeral director’s services included in the plan at today’s prices and gives you more control over your funeral arrangements.

We believe it’s important for you to get the funeral you want, and for your family to receive a genuinely personal service when it really counts. So when you purchase your plan we’ll appoint a local funeral director to take care of your requests. Or, if you have a preferred funeral director in mind, just let us know when you take out your plan.

When the time comes, just one phone call to the funeral director will activate your plan. Everything will then be carried out according to your wishes.


Why should I purchase a funeral plan?

Some reasons as to why it is important to have a funeral plan in place.

What's included in a funeral plan?

We offer a choice of four funeral plans to ensure all your needs are covered. Each plan includes:

  • The funeral director's services
    We work with over 3,300 independent funeral directors throughout the UK, giving you the widest choice. Your funeral director will provide expert advice and guidance on all aspects of the funeral arrangements.
  • Advice on the certification and registration of the death and related documentation
    The funeral director will support your loved ones and make it as straightforward as possible.
  • The coffin
    The type of coffin is dependent upon the type of plan you purchase.
  • Transportation of the deceased to a suitable resting place within a 15 mile radius
    As an additional benefit, should you die away from home but within mainland UK, we will arrange transportation back to the funeral home.
  • Care of the deceased prior to burial or cremation
    Please note this excludes embalming.
  • Use of a chapel of rest or service rooms
    A resting place for the deceased. Family viewing is included in the Select and Premier Plans.
  • A hearse to a local cemetery or crematorium
    Our Select and Premier plans also include the use of one or two limousines for the deceased’s loved ones.
  • Confidential assistance with bereavement counselling, if required
    The level of assistance provided is dependent upon the type of plan purchased.
  • A Will for you, a family member or a friend which will be reviewed by our legal team.
    A Will is included in every Golden Charter Funeral Plan.

Taking out a plan for a loved one

If you wish, you can take out a funeral plan for someone else in your family. All you need to do is complete the ‘plan holder’s representative’ section of the application process. If you prefer not to discuss this with your loved one, we guarantee complete confidentiality unless you choose to pay by fixed monthly payments in which case the plan holder will be contacted directly by AXA Wealth Ltd to confirm Direct Debit details.


Your money is protected

We are proud to be registered with the Funeral Planning Authority and follow their Code of Practice. Also, we’re the only funeral plan provider recommended by the National Society of Allied & Independent Funeral Directors (SAIF).

With a Golden Charter Funeral Plan, your payments are completely protected. Your money is paid into the Golden Charter Trust†, which is run by an independent Board of Trustees who manage the Trust’s funds on behalf of our plan holders and safeguard future payments to funeral directors. When the time comes, the funeral director’s services included in your plan are guaranteed to be covered.

† Or paid to a UK life assurance company for the fixed monthly payment option.


Still like to know more?

You can compare our plans by following the link below or find out more about Golden Charter and why we are the UK's leading funeral plan provider.