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Last updated: 28 Jan 2021

Section 1 - What is Financial Conduct Authority (FCA) regulation?

An amendment to the Financial Services and Markets Act 2000, passed in January 2021, will bring all funeral plan providers under the supervision of the FCA. Companies that want to continue to sell or carry out funeral plans after this point will need to apply to the FCA.   

The FCA will assume responsibility for regulating the funeral plan market from 29 July 2022. You can find out more about what FCA regulation will mean for the market here.  

Section 2 - Ensuring our funeral plan customers are protected

With over 30 years' experience in the funeral industry, we’re one of the UK's leading funeral plan providers and customers are at the heart of all we do. We work with over 2,800 funeral director businesses* who all must be members of a recognised UK professional body to offer our funeral plans. 

Our plan holders can be reassured that their funds are safe. Depending on how you choose to pay for your plan, your funds are either held in the Golden Charter Trust or paid into a life assurance policy. 

Section 3 - Golden Charter welcomes Financial Conduct Authority regulation for funeral plan providers

We’re delighted to confirm Golden Charter has submitted our application to the FCA to become directly FCA authorised from July 2022. 

We were pleased to be one of the first funeral planning companies to submit our application to the FCA, meaning we’re prepared to continue supporting our valued customers plan their later life in a regulated market.

We are a long-standing supporter of compulsory regulation as the best outcome for customers, driving up standards through additional protections and ensuring fair and transparent practices throughout the sector.