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prepaid funerals – planning ahead

The safe, simple way to secure peace of mind, for you and your family
As an independent funeral director, our plans provide an easy way for you to organise your funeral arrangements with us, specify your wishes and take care of the costs in advance.


What is a funeral plan?
A funeral plan is an easy way to plan ahead. You choose the funeral you want and fix the cost of the funeral director’s services included in your plan at today’s prices.

A plan can save your family worry and expense and help make things easier for your loved ones at a very difficult time. As the families we serve often tell us, that can be a big weight off your mind.

It’s an easy way to do something amazing for your family
Few people like to talk about their funeral. An Independent Way Plus Funeral Plan can make things easier for everyone – so that when the time comes, just one phone call is all that’s needed to activate your plan. Everything will then be taken care of and carried out according to your wishes, relieving your family of the stress and financial worry they may otherwise have to face.

A plan that suits you
Everyone has different needs when it comes to funeral planning, so we make sure all our plans are as flexible as possible. When you get in touch, we will be happy to discuss your funeral requirements and tailor a plan to suit you.

Our plans are available to everyone, regardless of age or state of health, so you will always be accepted for a plan.

Your money is safe and secure
With our funeral plans your payments are protected.

Your money is paid into the Golden Charter Trust* which is run by a Board of Trustees. The Trust is completely independent of Golden Charter.

The trustees are chosen for their skills and experience and safeguard the payments made by our plan holders. They make sure all future payments can be made, which means we can guarantee the funeral director services included in your plan will be delivered at the time they are required.

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

What funeral costs do I need to cover?
As well as the funeral director’s services, which are guaranteed to be covered as set out in your plan, there are other costs you need to consider, such as crermatorium or burial fees.

Funeral director services

These costs are guaranteed to be covered by your Independent Way Plus Funeral Plan.

  • Professional services and making arrangements for cremation or burial
  • Conveyance of the deceased from place of death to the funeral director’s premises or other suitable location
  • Care of the deceased and preparations for family viewing, if requested
  • Advice on the certification and registration of death and related documentation
  • Provision of funeral vehicles
  • Advice on bereavement counselling
  • Coffin or casket requested

Third party costs

These costs are outwith the control of the funeral director but will be paid by them, to the third parties, at the time of the funeral. They may include:

  • Crematorium fee
  • Clergy or officiant’s fee
  • Purchase of grave or lair
  • Cemetery fee: the opening of a new or existing grave for burial or interment of cremated remains
  • Church fees or other venue
  • Fees of organist or soloist
  • Floral tributes and newspaper announcements
  • Order of Service sheets

Plan administration fee
It is necessary for a one-off plan administration fee to be applied to the cost of every plan. This fee covers all Golden Charter’s costs in setting up the plan, the work involved in the preparation of the funeral arrangements and our appointment as your selected funeral director.

Choose how you would like to pay
Spread the cost or make a one-off payment. We offer several ways to pay for your funeral plan – simply choose the one that’s right for you.

Payment in full
You can make a one-off single payment for immediate cover. You can pay by debit card, credit card or cheque. If paying by cheque, please remember to return it, made payable to ‘Golden Charter Trust’, with your application form.

12 Monthly payments
If you would prefer to spread the cost, you can pay by 12 monthly payments by Direct Debit at no extra charge.

A small initial deposit is required. You will be fully covered once the plan is fully paid.

Low cost instalment option
If you would like lower monthly payments, we offer payment terms of between two and 30 years, making our plans even more affordable. Payable by Direct Debit, the monthly payment will depend on your choice of plan and the number of years over which you would like to pay. This option is available if you are aged 78 or under at the time of application. You will be fully covered at the end of the payment term.

Fixed monthly payments
We also offer fixed monthly payments where you pay a fixed monthly amount by Direct Debit, based on your age (at time of application) and choice of funeral plan, which is payable for life or until the age of 90. This option is available if you are aged 50 to 80. You will be fully covered after two years’ consecutive payments. The total payable could potentially be higher than the cost of your funeral plan.

Looking after you as a plan holder
As a plan holder you’ll receive a membership pack, which includes a summary of your plan and a personal membership card for you to carry in your purse or wallet.

Please contact us today for more information or to make a no obligation appointment to discuss your wishes with us.