What is a Funeral Plan

On this page we go into more depth to answer questions you might have about funeral plans.


A Funeral Plan is an Easy Way to Plan Ahead

Fix the cost of the funeral director's services

You choose the funeral you want and fix the cost of the funeral director's services included in your plan at today's prices. A plan can save your family worry and expense, and help make things easier for your loved ones at a difficult time. As the families we serve often tell us, that can be a big weight off your mind.

It's an easy way to do something amazing for your family

Few people like to talk about their funeral. An Independent Way Funeral Plan can make things easier for everyone - so that when the time comes, just one phone call is all that's needed to activate your plan. Everything will then be taken care of, and carried out according to your wishes, relieving your family of the stress and financial worry they may otherwise have to face.

Everyone has different needs when it comes to funeral planning

We make sure all our plans are as flexible as possible. When you get in touch, we will be happy to discuss your funeral requirements and tailor a plan to suit you. And rest assured, our plans are available to everyone, regardless of age or state of health, so you will be accepted for a plan.

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Why planning ahead makes great financial sense.

Funeral costs have been increasing year on year. You might be surprised to hear that, while the average cost of a funeral in 2004 was 1,920, today it's 4,271.* That's an increase of 122% - well above inflation. While no one can predict the future, at this rate, in another ten years the average cost of a funeral could be more than 7,500.**

Planning ahead the Independent Way

Most people don't want to think about arranging their own funeral, which is only natural. But there is some quiet satisfaction to be gained from putting your affairs in order and reflecting on the most appropriate arrangements.

A plan that's tailored to your needs - As an independent funeral director, we'll take the time to understand your wishes and tailor a plan to suit you exactly. We will gladly meet you at our premises or in your home at a time that suits you.

You can tell us about any preferences you have in mind - the type of funeral you would like to have, hymns, music or any other personal touches - and we'll make sure your plan takes these into account.

Kyle Bros - We're here to help

We understand that it can be hard to think about your funeral and you may not be sure where to start. As your local expert, we're here to help. When you get in touch we'll be happy to discuss your funeral requirements and find the plan that suits you best.

  • What funeral costs do I need to cover?

    As well as the funeral director's services, which are guaranteed to be covered as set out in your plan, there are other costs you need to consider:

  • Funeral director services

    These costs are guaranteed to be covered by your Independent Way Funeral Plan. They typically include:

    • Professional services and making arrangements for cremation or burial
    • Conveyance of the deceased from place of death to the funeral director's premises, chapel of rest or other suitable location
    • Care of the deceased and preparations for family viewing if requested
    • Advice on the certification and registration of death and related documentation
    • Provision of funeral vehicles
    • Advice on bereavement counselling
    • Coffin or casket requested
  • Third party costs

    These costs are beyond the control of the funeral director but will be paid by them, to the third parties, at the time of the funeral. They may include:

  • 3rd party services/disbursements

    • Crematorium fee
    • Clergy or officiant's fee
    • Purchase of grave or lair
    • Cemetery fee: the opening of a new or existing grave for burial or interment of cremated remains
    • Hire of church or other venue
    • Fees of organist or soloist
    • Memorial, such as a headstone, entry in a book of remembrance, or the planting of a tree
    • Catering, floral tributes and newspaper announcements

    *As well as covering the delivery of your funeral as per the terms and conditions of your plan, your plan price includes a one off 249 administration fee which Golden Charter receives to cover the cost of setting up, managing and administering your funeral plan.*

Choose how you would like to pay

Spread the cost or make a one off payment. We offer a number of ways to pay for your funeral plan - simply choose the one that's right for you.

Payment in full

You can make a one off single payment for immediate cover. You can pay by debit card, credit card or cheque. If paying by cheque, please remember to return it, made payable to 'Golden Charter Trust', with your application form.

12 Monthly payments

If you would prefer to spread the cost, you can pay over 12 monthly payments by Direct Debit at no extra charge. Just select this option and complete the Direct Debit Instruction on your application form. A small initial deposit is required. You will be fully covered once the plan is fully paid.

Low cost instalments

If you would like lower monthly payments, we offer payment terms of between two and 30 years, making our plans even more affordable. Payable by Direct Debit, the monthly payment will depend on your choice of plan and the number of years over which you would like to pay. This option is available if you are aged 78 or under at the time of application. You will be fully covered at the end of the payment term providing all payments have been made.

Fixed monthly payments

We also offer fixed monthly payments where you pay a fixed monthly amount by Direct Debit, based on your age (at time of application) and choice of funeral plan, which is payable for life or until the age of 90. This option is available if you are aged 50 to 80. You will be fully covered after two years’ consecutive payments. The total payable could potentially be higher than the cost of your funeral plan.