The Funeral Costs You Need to Think About

As well as the funeral director’s services, which are guaranteed to be covered as set out in your plan, there are other costs associated with a funeral you need to consider.


Funeral Director Services

These are the funeral director’s own services for either a cremation or burial. The services you select are guaranteed to be covered by your Independent Way funeral plan. They typically include:


  • Professional services and making arrangements for cremation or burial
  • Transportation of the deceased from the place of death to the funeral director’s premises, the chapel of rest, 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 counseling
  • Coffin or casket requested

Third-Party Costs

These are the costs for essential, non-funeral director services required to carry out a cremation or burial which need to be paid at the time of the funeral. These costs are outside the control of your funeral director but you can include a contribution towards them in your plan. They may include:


  • Crematorium fee
  • Minister 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
  • Hire of the church or another venue
  • Fees of organist or soloist
  • Memorial, such as a headstone, entry in a book of remembrance, or the planting of a tree
  • Catering, floral tributes, and newspaper announcements

Tailor The Plan To Your Budget

Your funeral director will discuss your funeral requirements with you and give you a price for your plan based on your wishes.

You just need to think about the services that are important to you; from the type of coffin to whether you need a limousine for family and friends, and whether you would like to include a contribution towards third-party costs.

Administration Fee

As well as covering the delivery of your funeral as per the terms and conditions of your plan, your plan price includes a one-off £249 administration fee which Golden Charter receives to cover the cost of setting up, managing, and administering your funeral plan.

For more detailed information on the payment options, please refer to the enclosed Payment Information and Key Features documents.

Choose How You Would Like To Pay For Your Plan

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

Single payment option

You can make a one-off single payment for immediate cover.

12 monthly payment option

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

Low-cost installment option

If you would like to spread the cost over a longer period for a lower monthly payment, our low-cost installment option offers terms of between two and 30 years payable by Direct Debit.

Fixed monthly payment option

We also offer a fixed monthly payment option where you pay a fixed monthly amount by Direct Debit, based on your age at the time of application and choice of funeral plan, which is payable for life or until the age of 90.

Your Payments Are Safe And Secure In The Golden Charter Trust

With a Golden Charter funeral plan your payments are protected. Your money is paid into the Golden Charter Trust (1.) which is run by a Board of Trustees, completely independent of Golden Charter.

The Trustees are chosen for their skills and experience to safeguard the payments made by our customers.

They make sure all future funerals can be paid for, which means we can guarantee the funeral director’s services included in your plan will be delivered at the time they are required.

To find out more about the Trust and how it protects customers’ funds, visit


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

What You’ll Receive

Once your plan is fully paid, we’ll send you a Certificate of Entitlement to funeral services and a membership card, which should be kept in a safe place; a copy of the Certificate of Entitlement to give to a friend or relative for information.