Golden Charter - Smart Planning for Later Life

Why should I purchase a funeral plan? 


What is a funeral plan and how do funeral plans work?

A funeral plan allows you to pay the cost of the funeral director’s services 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 your funeral director will activate your plan. Everything will then be carried out according to your wishes.

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Golden Charter

What's included in every plan?

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

Essential third party costs 

As well as the funeral director's own services, the cost of a funeral also includes certain essential third party costs. These include fees for cremation or burial, and fees for the clergy or officiant.  These costs are beyond the control of your funeral director but will be paid by them at the time.


The Standard, Select and Premier Plans include a £940 allowance towards essential third party costs. Only if these costs were to increase more than the growth of the plan might there be more to pay at the time of the funeral.


We have also launched a new funeral plan option – the Value Plan starting from £2,895, giving you an even wider choice of plans to suit your needs. 

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Included in all funeral plans:

  • The funeral director’s services (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 coffin type is dependent upon the plan you purchase)

  • Transportation of the deceased to a suitable resting place within a 15 mile radius

  • Care of the deceased prior to burial or cremation (excluding embalming)

  • 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.

  • Use of chapel of rest or service rooms

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. 


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

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Golden Charter - Smart Planning for Later Life
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 Phoenix Life Limited to confirm Direct Debit details.
Golden Charter
Golden Charter

We're here to help

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.