Prepaid Funeral Plans

Benefit from peace of mind and arrange the send-off you want by paying for funeral director services in advance, avoiding potential future increases in these costs.

What is a funeral plan?

A funeral plan is an easy way to arrange the funeral you want in advance. It allows you to specify your wishes and pay for the funeral director’s service included in your plan. An allowance towards third party costs is also included in the Golden Charter plans we offer. These costs are essential, non-funeral director services such as the cremation or burial fees, plus the minister or officiant’s fee to perform the service, which need to be paid at the time of the funeral. Third party costs are outside of our control. However, the allowance included in your plan may grow over time and there would only be more to pay at the time of the funeral if the third party costs exceed the allowance when you buy your plan, or if the costs increase by more than the growth of your plan.

Benefits of a funeral plan

  • Peace of mind in knowing you have helped to save your family from the stress and worry of funeral arrangements and costs
  • Arrange the send-off you want through the trusted, local funeral director of your choice
  • By paying in advance for the funeral director’s services included in your plan, you can avoid any potential future increases in the cost of these services.

Golden Charter funeral plans

Everyone has different needs and requests, be it flowers, music or personal touches. We work in partnership with Golden Charter, one of the UK’s largest funeral plan providers1 to offer funeral plans tailored to your wishes.

By taking the time to understand your needs, we make sure your plan reflects the funeral you want and is right for you.

We believe the Golden Charter plans we offer provide value for money as well as choice. They are priced to ensure you receive the funeral you expect with no hidden charges or fees, without compromising on service and quality. Your payments are protected2 and, once your plan is paid for, they are guaranteed to cover the funeral director’s services within your plan. Please note that for those customers paying up their plan via the instalment payment option, your plan benefits will be in place after you have made twelve payments as long as your payments remain up to date.3

Golden Charter funeral plans are available to all UK residents, regardless of age and state of health.

To find out more about Golden Charter funeral plans and how they could work for you, get in touch and we will provide you with all of the information you need to make an informed decision for you and your family.

1 Based on a Golden Charter analysis and independent research of the funeral plan market size as at January 2023.
2 Your payments are held in the Golden Charter Trust. For more information on how your payments are protected please visit
3 For the instalment payment option you must be under 78 at the start date of your plan and pay the total cost by your 80th birthday. 

A.B. Walker is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279). 

Prepaid funeral plan FAQs

Yes, from 29 July 2022 all funeral plan providers and directly authorised intermediaries wishing to sell these plans must be authorised by the Financial Conduct Authority (FCA) to do so.

A.B. Walker is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).

Registered in England No. 02511598 Registered Office: One Fleet Place, London EC4M 7WS

Other considerations when planning ahead

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To speak to a member of our team call us on 0118 957 3650.

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