Consideration for others is the most common reason for buying and taking out a funeral plan and peace of mind is the most common benefit. With Golden Charter you choose the funeral you want and pay for it at today’s prices. You will have made the arrangements in and selected the funeral director and taken care of the costs.
The price of funerals, like everything else, keeps going up. But no matter how much the future services of your funeral director may raise in cost, neither you nor your loved ones will be asked for a penny more for them.
There are some costs that are paid on your behalf by the funeral director. They are known as disbursements, and include the fees of cemeteries, crematoria, doctors, clergy, newspaper notices and memorials. These costs are not within your funeral director's control. Only if the increase in these costs were to exceed the increase provided for in the plan might there be any balance to pay at the time of need.
Your money will always be secure. Your payment goes directly to the Golden Charter Trust, which holds the money for your funeral on behalf of participating funeral directors. This is why the funeral director is able to provide a legally binding contract, which guarantees that your funeral arrangements will be carried out as you wish.
The Trust Fund is separate legal entity from Golden Charter and the fund will continue until every plan has been carried out and payment made to the funeral director.
Golden Charter are the only funeral plans recommended by the National Society of Allied and Independent Funeral Directors (SAIF), which serves independent funeral directors nationwide.
Created in response to Government legislation the authority was introduced to ensure protection of money paid by consumers for pre-paid funeral plans.
You may select a different funeral director or amend the existing arrangements. Golden Charter should be advised of any permanent change of address as this may affect the plan entitlements.
What if I'm not in good health?
We promise to accept your application, regardless of your age or state of health.
What if I change my mind about the arrangements?
No problem. Your wishes are what count most.
What if something happens to Golden Charter? What happens to my money?
The Golden Charter Trust provides financial security. As a separate legal entity, it would still continue even if something were to happen to Golden Charter, the company, and it would pay for your funeral as and when it takes place.
What if death occurs away from home, but still within the UK?
Golden Charter will pay the removal charges if death occurs away from your permanent address, but still within the UK. If you intend to travel overseas, perhaps remaining there for some time, we recommend that your travel or medical insurance policy includes full cover for repatriation costs back to your funeral director's premises.
What if I die before my instalment payments are completed?
Your funeral will be carried out provided arrangements are in place for the balance to be paid by the family or estate.
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 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 costs within your funeral directors control.