Pre-Paid Funeral Plans

Golden Charter Funeral Plans

For many people, planning their funeral has become an established way of looking at the future, just like making a Will.

More than a million people in Great Britain have taken out a funeral plan. Usually, they have known the grief of bereavement and don’t want their families to go through the stress of making arrangements.

Many have established a relationship of trust with their local family funeral director. Who better to advise them on such a sensitive topic and assist them with all the details?

We believe that the Independent Way funeral plan, which is available only through independent funeral directors such as ourselves, offers you significant advantages over other plans. 

Planning your funeral the Independent Way

With the Independent Way plan, we will make sure that your loved ones will be spared much of the stress and uncertainty of organising a funeral. You’ll have specified every detail in advance and taken care of all the costs that are within our control.

A guarantee that covers all our services

No matter how much our services may rise in cost in years to come, once your plan is fully in place, neither you nor your loved ones will be asked for a penny more for them. It’s a guarantee that gives you peace of mind. You can be assured that your family will be spared what could be a financial worry.

There are some costs that we are obliged to pay on your behalf. These third party costs include the charges of cemeteries and crematoria, as well as doctors’ fees for cremation certificates, the fees of clergy or officiants and the costs of newspaper notices and memorials. The amount of this expenditure is not within our control and may require a further payment at the time need.

A sound financial decision

When you take out an Independent Way plan, you have the reassurance that your money is protected. You select how you wish to pay for your plan and, depending on your choice, your money is paid into the Golden Charter Trust or to one of the UK’s leading life assurance companies.

Your money grows and, when the time comes, we receive the payment, including any growth, and use this money to provide the agreed services to your family. No matter how much costs have risen in the intervening period, your loved ones will not be asked for a penny more for the guaranteed services included within your plan.

The Golden Charter Trust

The Board of Trustees has appointed a wide panel of Fund Managers who invest the funds in a cautious and balanced manner. Barnett Waddingham of Glasgow, the consulting actuaries, appraise the Fund performance regularly.

Protection against rising funeral costs

Back in 2004, an average funeral cost around £1,920. However, recent research shows the average cost of a funeral in the UK is now £3,284 – an increase of 71% in eight years, well above the general level of inflation. If this trend continues, the average cost of a funeral in 2020 will be almost £5,600.

Paying in advance for your funeral is a sensible decision that will save money, benefiting your family or estate. We guarantee that, as long as your plan is paid for, there’ll be no more to pay for the services within our control.

A real alternative to saving

We believe a funeral plan offers a better option than saving for your funeral.

In 2000, if you had put £1,215* (then the average cost of a funeral) into a building society, you would have seen it grow to only £1,438.57** over the next 12 years.

However, with the average cost of a funeral now £3,284, your family would have to find an additional £1,845.43, at a very difficult time. This dramatic shortfall demonstrates why planning your funeral the Independent Way is the wiser way.

Your wishes fulfilled by a proven partnership

Most people don’t want to think about arranging their own funeral. That’s natural. But there is some quiet satisfaction to be gained from putting your affairs in order and reflecting on the most appropriate arrangements.

Many personal decisions have to be made. Your wishes are special – and you can be sure we will carry them out to the letter in association with Golden Charter, a British-owned and run company. We guarantee that your family or estate will not be asked for a penny more for the services you have selected that are within our financial control.

Funeral directors’ services typically include:

• Professional charges. These represent a high proportion of a funeral director’s costs and include making all arrangements for cremation or burial
• Conveyance of the deceased from the place of death to the funeral director’s premises, a chapel of rest or other suitable location
• Caring for the deceased and attending to the hygienic preparation necessary to allow viewing, if requested by family or friends
• Advice on the certification and registration of death and related documentation
• Provision of a hearse and other funeral vehicles
• Advice on bereavement counselling

A balanced approach to third party costs

As stated on page two, third party costs are not within our financial control. These expenses include the fees for the cemetery, crematorium, doctors (for cremation certificates) and clergy or officiant, which will be costed at today’s prices in your plan.

Your payment is held with a view to maintaining a level of growth at least equivalent to the increases in inflation.

However, if at the time of the funeral, the increase in the third party costs is greater than the growth, we would have the option to approach the family for an additional amount.

Third party costs may include:

• Crematorium fee
• Doctors’ fees (applicable only to cremation)
• Clergy/officiant’s fee
• Purchase of grave or lair
• Cemetery fee: the opening of an existing or new grave for burial or interment of cremated remains
• Hire of church or other venue
• Fees of organist or soloist
• Memorial, such as a headstone, entry in a book of remembrance or planting of a tree
• Catering, floral tributes and newspaper announcements

Why there is a 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 of 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.

Endorsed by leading bodies of the funeral profession

The Independent Way is recommended by the National Society of Allied and Independent Funeral Directors.

Golden Charter is the only funeral plan provider recommended
by the National Society of Allied and Independent Funeral
Directors (SAIF), which was established in 1989 to serve the
interests and needs of independent funeral directors nationwide. More than 60% of funerals in the UK are carried out by independent funeral directors.

Golden Charter has been accepted as a ‘Registered Provider’ by the Funeral Planning Authority.

The Funeral Planning Authority was created in response to Government legislation introduced to ensure protection of money paid by consumers for funeral plans.

Customers purchasing a plan from a Registered Provider have the reassurance that they are dealing with one of the most reputable companies in the industry, one which maintains high standards and protects its plan holders’ funds.

A beautiful way to be remembered

When you purchase a plan, Golden Charter will make a donation of £2.00 to help the Woodland Trust – the UK’s leading woodland conservation charity – create woodland across the UK. You will receive a certificate to record the donation.

Since 1995, Golden Charter has helped the Woodland Trust plant over 200,000 trees through this unique partnership. Your decision to choose Golden Charter will benefit you and future generations.

If you would like details of the Woodland Trust sites in the UK and information on legacies, please visit

Your questions answered

Here are some answers to the most frequently asked questions about the Independent Way plan.

What if I move to a different area?

You may select a different funeral director. Golden Charter should be advised of any permanent change of address as this may affect the plan entitlements (see terms and conditions).

What if I want to take out a plan for someone else?

Complete the plan holder’s representative box on the application form, and we’ll arrange for all correspondence to be sent to you. Complete confidentiality is assured.

What if I’m not in good health?

We promise to accept your application, regardless of your state of health.

What if a death occurs while I’m on holiday?

As an additional benefit, Golden Charter will pay the transportation charges if death occurs away from your permanent address, but still within mainland UK. If you intend to travel overseas, perhaps remaining there for sometime, we recommend that your travel or medical insurance policy includes full cover for repatriation costs to your funeral director’s premises.

What if I live to be 100?

No matter how old you are, no matter how much funeral costs may rise, you and your loved ones will never be asked for a penny more for the services and costs guaranteed within your funeral plan (see terms and conditions).


Daniel Devall
Director and Pre-Payment Consultant

Would you like to know more?

In addition to the financial benefits of a funeral plan there are great advantages to discussing funeral requirements in advance.

Daniel will be only to pleased to gently guide you through every detail appertaining to your funeral requirements which can be as simple or as elaborate as you wish.

Each funeral plan is specifically tailored to your individual requirements to ensure that you only pay for what you need.

An appointment to talk you through your options and to give you a quotation can be made at either our offices or in the comfort of your own home.