Some people prefer to go beyond making their wishes known and to pre-pay for their funeral. This both ensures the family know they are carrying out specific wishes and saves them any financial worries. A further benefit may be so save money, because the cost of pre-payment is calculated at today’s prices.
GOLDEN CHARTER FUNERAL PLANS
We offer Golden Charter funeral plans, which are recommended by the National Society of Allied & Independent Funeral Directors, and registered with the Funeral Planning Authority. Golden Charter is the largest independent funeral plan provider in the UK. This ensures security for your funeral plan coupled with the personal care and attention you would expect from your local funeral director. Golden Charter provides a guarantee that the funeral director’s costs will be covered by the plan, no matter how long it is before the arrangements are needed. An allowance is also made in the cost of the plan towards various external payments (disbursements) made by the funeral director to third parties, for example to cemetery or crematorium authorities. Only if these increase by more than the R.P.I. will there be any further charge to the next of kin.
You can choose between fixed plan options, or you may personalise your plan to suit your requirements. The plans are very flexible; you can add to or amend details should your wishes change. It is also possible to transfer the plan to another family member should the need arise. If you move to another part of the country, your plan can be transferred to another accredited funeral director near your new home. Anyone over 18 is eligible to purchase a Golden Charter plan, or a plan can be purchased on behalf of someone else, for example, an elderly relative. It can often be a useful means of reducing capital when funds are assessed to determine help towards residential fees.
The money for the plan (which can be paid in one lump sum or spread over a number of months) is invested; the Golden Charter Trustees have appointed a wide panel of fund managers who invest the funds in a cautious and balanced manner. The only deduction made is for the separately identified Management Fee which covers the cost of setting up the plan. All the other capital is invested and grows, providing all the agreed services when the time comes.
The first stage is to contact us – we will gladly guide you through the options available. Then, should you decide to proceed, we can assist with completion of the application.
If you would like further details about Golden Charter, please ask for our separate brochure.