Prepaid Funeral Plans

From a traditional funeral to a fuss-free direct cremation, benefit from peace of mind and arrange the funeral you want with a prepaid funeral plan.

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 prepay for the funeral director’s service included in your plan. These fees will be fixed at today’s prices so are protected against rising costs.

A plan from Golden Charter also includes an allowance towards third party costs. These are essential, non-funeral director services such as the cremation or burial fees, plus the minister or officiant’s fee to perform the service.

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 worry of funeral costs and arrangements
Arrange the send-off you want through the trusted, local funeral director of your choice
By prepaying for the funeral director’s services included in your plan, these costs are fixed at today’s prices, protecting against rising costs.

A plan for you

We work in partnership with Golden Charter, one of the UK’s largest funeral plan providers¹. They have helped nearly one million people to plan ahead² and their plans are available to all UK residents regardless of age or state of health.

Everyone has different needs when it comes to funeral planning, so we make sure the plans we offer are as flexible as possible. We’ll take the time to understand your wishes and tailor a plan to suit you – be it a traditional funeral or a no-fuss direct cremation. From the type of funeral you would like, to music and hymns, to flowers and any personal touches or unusual requests, we’ll make sure your plan accounts for these.

Golden Charter offers several ways to pay for your funeral plan with the added reassurance that your payments are protected³. Simply choose the right option for you.

As a Golden Charter funeral plan holder, you will benefit from our professionalism and care. It means you can be sure of a truly personal service when the time comes.

If you’re ready to take the next step, get in touch today and we will provide you with all the information you need to make an informed decision for you and your family.

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¹Based on a Golden Charter analysis and independent research of the funeral plan market size as at May 2024.
²Correct at August 2024.
³Your payments are held in the Golden Charter Trust. For more information on how your payments are protected, please visit goldencharter.co.uk/faqs.

A.B. Walker & Son Limited 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, we work in partnership with Golden Charter, one of the UK’s largest funeral plan providers¹ to offer funeral plans tailored to your wishes.

¹ Based on a Golden Charter analysis and independent research of the funeral plan market size as at May 2024.

A.B. Walker & Son Limited 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).

Golden Charter offers several ways to pay for your funeral plan – simply choose the one that’s right for you:

Single payment option – a one-off payment for immediate cover
12 monthly payment option – 12 monthly payments by Direct Debit at no extra charge. You will be fully covered once all of your payments are made
Instalment payment option – spread the cost of your plan between two and 15 years. This option includes the added benefit of the Golden Charter Pledge¹, which ensures that if you die at any time after you have made 12 payments and your payments are up to date, the benefit of your plan will be provided, with no further sums to be paid towards the funeral director services included in your plan, as long as your payments remain up to date².

¹You can find out more in Golden Charter’s Key Features and Terms and Conditions.
²For the instalment payment option you must be aged under 78 at the start date of your plan and pay the total cost by your 80th birthday. Please refer to the Key Features document for eligibility of each payment option.

If you cancel within 30 days Golden Charter will refund the payment you have made.

Details of cancellation terms after 30 days of receiving your plan documents are included in Golden Charter’s Key Features document which is supplied with your funeral plan.

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