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Home > News & Advice > FCA regulation - some reassurance

You may have seen recent media coverage around Financial Conduct Authority (FCA) regulation of the funeral plan market, reporting the risk that FCA regulation will see some companies leaving the market.

We’d like to reassure you that our plan holders' funds are held securely in The Golden Charter Trust*, and ring-fenced for future funerals to provide additional protection. The Golden Charter Trust is one of the largest and most transparent trusts in the sector. The most recent full valuation of the Trust confirms that the assets were over 100% of the funds required to meet the projected future funeral costs covered by the plans in the Trust. Full details of funds held and how they are managed are available here.

We hope this provides reassurance your funeral plan and the money you have paid towards it are safe with us. Over the past 30 years, we’ve already delivered over 300,000 funerals for our customers.

We welcome the heightened supervision that the FCA will bring. At Golden Charter, we were one of the first organisations to apply to the FCA. At the time of writing, the FCA is yet to publish the outcome of any application, but we are confident that, as one of the big three established funeral plan providers, we’ll be approved within the FCA timescales. In fact, recent media coverage has specifically mentioned Golden Charter as one of the funeral plan companies that customers can have confidence in, with advice being given to stick to larger, established providers like us. You can view the status of all funeral plan company FCA applications at

If you have any other questions or concerns you’d like to discuss, you can call us on 0800 833 800.

*This excludes the fixed monthly payment options where money is paid to a UK life assurance company and managed by them.

Golden Charter

Smart Planning for Later Life

Golden Charter has one of the largest networks of independent funeral directors in the UK. Many are long-standing, family-run businesses and all provide a compassionate and professional service.

Find out more about how you can plan for your funeral with one of the funeral directors in our network.