How It Works



How do funeral plans work?

Funeral costs are going up every year. You might be surprised to hear that, while the average cost of a funeral in 2004 was £1,920, today it’s £4,078.* That’s an increase of 112% – more than double – and well above inflation. At this rate, in another ten years the average cost of a funeral could be more than £7,200.**

A funeral plan allows you to pay the cost of the funeral director’s services at today’s prices and gives you more control over your funeral arrangements. Golden Oaks Services believe it’s important for you to get the funeral you want, and for your family to receive a genuinely personal service when it really counts. So when you purchase a Golden Charter Funeral Plan through us, Golden Charter will appoint a local funeral director to take care of your requests. Or, if you have a preferred funeral director in mind, just let Golden Charter know when you take out your plan. When the time comes, just one phone call to your funeral director will activate your plan. Everything will then be carried out according to your wishes.

What’s included in a funeral plan?

We offer a choice of four funeral plans to ensure all your needs are covered. Each plan includes:

  • The funeral director’s services
  • Advice on the certification and registration of the death and related documentation
  • The coffin
  • Collection and transportation of the deceased to the funeral director’s premises (within a 25 mile radius)
  • Care of the deceased prior to burial or cremation
  • Use of a chapel of rest or service rooms
  • A hearse to a local cemetery or crematorium
  • Confidential assistance with bereavement counselling, if required
  • A Will for you, a family member or a friend (Excludes Value Plan).


Plan ahead and beat rising prices

Nobody wants their family to face money worries in the future. A funeral plan lets you fix the cost of the funeral director’s services in the plan at today’s prices. So, no matter how much prices rise in the future, once your plan is paid for you’ll have the reassurance of knowing there’ll be nothing more to pay for these services – guaranteed.

Your money is safe and secure

With a Golden Charter Funeral Plan your payments are protected. Your money is paid into the Golden Charter Trust which is run by a Board of Trustees. The Trust is completely independent of Golden Charter.

The Trustees are chosen for their skills and experience, and safeguard the payments made by our plan holders. They make sure all future payments can be made, which means we can guarantee the funeral director services included in your plan will be delivered at the time they are required.

Price lock the cost of your funeral

A Golden Charter Funeral Plan locks the funeral director’s costs included within your plan at today’s prices. And the sooner you take out a plan, the greater the saving could be.

*SunLife Cost of Dying Report 2017.

**Projections by Golden Charter based on SunLife Cost of Dying research.