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:

What funeral costs do I need to cover?


Whilst the cost of the funeral director's services are included in your plan, there are other costs you need to consider. 


These are the costs for essential services - including burial or cremation fees, and the minister or officiant’s fee. The funeral director cannot control these costs, and these fees need to be paid at the time of the funeral.


The Value Plan includes an £800 allowance for third party costs. The Standard, Select and Premier Plans include a £1,100 allowance. The Value Plan allowance is lower because the choice of date and time of the funeral is restricted.


The value of the third party cost allowance included in your plan will grow over time. There will only be more to pay at the time of the funeral if the third party costs exceed the allocance when you buy your plan, or if the costs increase by more than the growth of your plan.


Third party costs guarantee


If you choose cremation and pay for your plan by the single payment or 12 monthly payment options, for an additonal £200 you can choose to guarantee that third party costs will be covered if you die within five years from when your plan is fully paid. If you die after the specified guaranteed period, your additional payment of £200 will be transferred into your third party costs allowance. 


This guarantee is not available for burials. Please refer to the Key Features document for more information. 


Please note: Our plans don’t include the purchase of a burial plot. Should you choose burial the plans include an allowance towards the opening of a new or existing grave. The purchase of a grave and any monumental work would need to be arranged separately.


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Included in all funeral plans:

  • Provision of professional services and making all arrangements for the funeral

  • Advice on the certification and registration of the death and related documentation

  • The coffin (all coffins supplied will be wood-effect quality or better. Your funeral director will provide further guidance on the types of coffin available within your plan)

  • Collection and transportation of the deceased to the funeral director’s premises within a 25 mile radius (collection time frame is dependent on the plan selected)

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

  • Use of chapel of rest or service rooms

  • Family viewing at any pre-arranged time*

  • The funeral service at a local cemetery or crematorium

  • Funeral held on a normal weekday, during working hours

  • Hearse to local crematorium or cemetery

  • Provision of sufficient staff to attend to the coffin as required

  • Allowance towards third party costs (amount dependent on the plan you choose)

  • 24 hour funeral director telephone support for the bereaved

  • Transportation to the funeral director's premises if death occurs whilst on holiday in mainland UK

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. 


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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 the fixed monthly payment option 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. 

Golden Charter - Smart Planning for Later Life

SunLife Cost of Dying Report, 2018.


Or after two years' conescutive payments if paying by the fixed monthly payment option.


*Costs may apply if out-of-hours viewing is required. 


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