We understand that it’s hard to think about your funeral.
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.
Why should I purchase a funeral plan?
Avoid rising funeral costs
Nobody wants their family to face money worries in the future. But funeral costs have risen by 122% over the last 14 years, and while the average cost of a funeral in 2004 was £1,920, by 2018 it was £4,271*. At this rate, in another 10 years, the average cost of a funeral could be more than £7,500. *The average cost of a funeral in the UK. Source: SunLife Cost of Dying Report 2018
Peace of mind for you and your family
At a stressful time, it could help your family avoid difficult decisions – and prevent any financial worries over how to pay for the funeral costs.
Save money by acting today
That’s why it pays to act now. With a plan from Golden Charter, no matter how much the price of your funeral director’s services increase in the future, once your plan is paid in full, your family will have nothing more to pay for those services included in your plan – guaranteed**. And the sooner you take out a plan, the greater the saving could be. **Or after two years consecutive payments if paying by Fixed Monthly Payments.
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 Phoenix Life Limited.
What is a funeral plan and how dofuneral planswork?
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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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
These are the costs or essential services: burial fees or cremation fees, plus the minister or officiant’s fee. They are outside the control of the funeral director but will be paid by them, to the third parties 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. Only if third party costs were to increase by more than the growth of your plan might there be more to pay at the time of the funeral.
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.
***Costs may apply if out-of-hours viewing is required.
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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
Access to Golden Charter Rewards – customer benefit providing access to fantastic savings
Your moneyis 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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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.
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.