A funeral plan is an easy way to pre-arrange the funeral you want and pay for the funeral director’s services covered by the plan in advance. A plan can help to save your family worry and expense, and help make things easier for your loved ones at what is often a difficult time. As our customers often tell us, that can be a big weight off your mind.
It’s a straightforward way to do something amazing for your family. Few people like to talk about their funeral, and an Independent Way Funeral Plan can make things easier for everyone – so that when the time comes, we will then carry out your plan according to your wishes, relieving your family of the stress and financial worry they may otherwise have to face.
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. Rest assured, our plans are available to everyone, regardless of age or state of health.
You might be surprised to hear that, while the average cost of a funeral in 2010 was £2,713, by 2020 it was £4,115. That’s an increase of 52% in 10 years – well above the general rate of inflation.
Sources: SunLife Cost of Dying Report 2021.
Planning ahead the with Independent Way Funeral Plan
While some people don’t want to think about arranging their own funeral, which is only natural. However, you can help to gain the peace of mind that you have put your affairs in order and organised the funeral you would like.
A plan that’s tailored to your needs
As an independent funeral director, we’ll take the time to understand your wishes and tailor a plan to suit you. We will gladly meet you at our premises or in your home at a time that suits you, when it is safe to do so. You can tell us about any preferences you have in mind – the type of funeral you would like to have, hymns, music or any other personal touches – and we’ll make sure your plan takes these into account.
We understand that it can be hard to think about your funeral and you may not be sure where to start. As your local expert, we’re here to help. When you get in touch, we’ll be happy to discuss your funeral requirements and find the plan that suits you best.
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:
Funeral director services:
These costs are guaranteed to be covered by your Independent Way Funeral Plan. They typically include:
Third party costs:
These costs are beyond the control of the funeral director and need to be paid to the relevant third parties, at the time of the funeral. A Golden Charter funeral plan will include a contribution towards these third party costs. They may include:
Spread the cost or make a one off payment. Golden Charter funeral plans 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 instalment option
If you would like to spread the cost over a longer period for a lower monthly payment, the low cost instalment option offers terms of between two and 30 years payable by Direct Debit.
Fixed monthly payment option
Golden Charter also offer a fixed monthly payment option 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.
*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.*
Your payments are safe and secure in the Golden Charter Trust
To find out more about the Trust and how it protects customers’ funds, visit goldenchartertrust.co.uk
* This excludes the fixed monthly payment option where money is paid to a UK life assurance company and managed by them.
As well as the comfort of having a plan in place, you’ll have the peace of mind that comes with being able to help save your family from worry and expense in the future. So why not take the next step?
Remember, Independent Way plans are available to everyone, not just those aged over 50, and there are no medical or health questions to answer when you apply.
As an Independent Way plan holder, you’ll receive personalised plan documents, which include a summary of your plan, your funeral director’s details, your plan holder certificate and a personal membership card for you to carry in your purse or wallet.
Your funeral director will hold full details of your funeral plan. When the time comes, one phone call is all it takes to activate your plan and get the arrangements underway.
It may be that you are eligible for a funeral payment from the Government’s Department of Social Security Funeral Fund. You can find all relevant form at: https://www.gov.uk/government/publications/funeral-payment-claim-form