A funeral plan can provide peace of mind for you and your family and could save you money. You choose the funeral you want and pay for our services included in the plan at today’s prices, relieving your family of worries and uncertainty at a distressing time.
The price of funerals, like everything else, has been rising year on year. That’s why it is more important than ever to be planning ahead and preparing for our future.
Taking out a funeral plan is a sensible and thoughtful way to help protect yourself against these increases. More than a million people in the UK have taken out a funeral plan. We recommend funeral plans from Golden Charter, one of the UK’s largest providers of plans to independent funeral directors like us.
With a range of plans and flexible ways to pay, a Golden Charter Funeral Plan offers you exceptional value and choice. Plus, you can tailor your plan to meet your personal wishes, from the service and type of coffin, to the music, flowers and readings. This way, your family will find great comfort knowing that your funeral will be carried out according to your wishes.
With a Golden Charter Funeral Plan you’ll benefit from:
- Protection against rising costs
- Reassurance for your family – less uncertainty and fewer difficult decisions
- Flexible ways to pay
- The assurance that your local and independent funeral director will look after you when the time comes
Here are some of the questions you might want to ask, but please call us if there
is anything else you would like to know about the plan.
Does the plan include disbursements?
Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctors’ fees for a cremation certificate and minister’s or church fees – these fees are known as “disbursements”. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed. The amount included for disbursements will be stated on your funeral plan certificate and will be increased annually in line withthe Retail Prices Index. You can include a larger, or smaller, contribution towards disbursements if you wish – please ask if you need advice on this point.
What if funeral costs increase?
Funerals, like everything else, are affected by inflation and the cost of a funeral will almost certainly increase before you need one. However, once you have purchased a prepayment plan, the funeral specified will be provided for you when it is needed without any further charge to you or your family (but please refer to the note on “disbursements”). This is one of the most important benefits and why it has become so popular with our clients in recent years.
Do you pay interest?
No. A guaranteed funeral plan is not a savings account, it is simply a way of paying in advance for the funeral service. As the value of the Funeral Planning Trust fund increases over the years, so the money available to pay the funeral director will increase to compensate for rising costs.
What if I change my mind later?
If you change your mind within the first month of receiving your plan documents you can return them for a full refund, with no questions asked. If you cancel your plan at a later date, your refund will be subject to an administration charge (please refer to the terms of sale).
How do I know the money will be safe?
All payments are made directly into Funeral Planning Trust, a national fund established in 1995 for the secure deposit of funeral prepayments. The accounts of Funeral Planning Trust are monitored annually by independent actuaries and checked by independent auditors. The payment for the funeral can only be withdrawn from Funeral Planning Trust when the service has been provided or if the plan is cancelled.
What if I die away from home?
We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively we can quote for the extra cost involved.
What if I move home?
If you move, Funeral Planning Services can transfer your plan to a Funeral Director in that area. Funeral costs do vary from one area to another and you will be advised of any difference in cost at that stage. Here are some of the questions you might want to ask, but please call us if there is anything else you would like to know about the plan.
Can I buy a plan for someone else?
Yes, please mention this on your application – we will need the name, address and date of birth of the person to be covered but we will send all correspondence to you.
Can I pay by instalments?
Yes, there is a range of options – please ask for details. Payment by instalments usually costs more than a single payment because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part-paid.
Is there an age limit or health restrictions?
No – you can purchase a plan at any age and in any state of health, but please see the note on instalments below.