Funeral Plans

A funeral plan is a secure and cost-effective way of ensuring that your funeral is arranged and paid for in advance at today’s prices. It’s a thoughtful way to make things easier for your family at what will be a distressing time. You’ll have arranged everything in advance: chosen your funeral director, specified your wishes and taken care of the funeral costs.

Why choose Golden Charter for your funeral plans?
With more than 20 years’ experience, Golden Charter is the UK’s largest provider of funeral plans – which means we are perfectly placed to offer expert advice on a pre-paid plan to suit you. 

Golden Charter work with over 2,900 independent funeral directors from across the country. Moreover, Golden Charter is 100% owned by SAIF Charter, which represents around 800 of these independent funeral directors. We help to support independent funeral directors throughout the UK by securing their share of future funerals and enabling them to challenge the large corporate providers. All of our plans offer complete peace of mind that the costs within the direct control of your funeral director is covered, which avoids burdening family members with much of the financial worries a death can so often bring.

I Have Savings and Life Insurance – Why Should I Take Out A Funeral Plan ?
While relying on savings or taking out life insurance may seem like a good idea, your savings or any payout on an insurance policy may not be enough to cover your funeral. Funeral costs continue to increase at a higher rate than inflation, and more than the value of any interest you might get on savings. However, if you take out a funeral plan, you can freeze funeral costs at today’s prices, no matter how much they may rise in the future. Plus, your funeral director will have a note of your wishes, which can be a great source of comfort for family members, knowing that they are carrying out the funeral you want, when the time comes.

What Happens If I Die Before Paying All My Monthly Instalments ?
You are not fully covered until all your monthly instalments are paid. If you pass away before paying all your instalments, the outstanding balance will be requested from your family or estate. Once received, the plan benefits will be paid to your selected funeral director. Alternatively, the plan can be cancelled and we would refund any moneys paid less the cancellation charge of £199.