How much does a funeral cost?
Funeral costs can vary greatly depending on your own specific requirements. Our range of Golden Charter Independent Way funeral plans offer an affordable way to plan ahead. Payment plans include fixed monthly payments and advance payment in full.
Paying for your funeral plan
Payment in full for immediate cover
A one off single payment.
• Your payment will be paid into the Golden Charter Trust
• If you wish to cancel after 30 days, we’ll refund the payment you’ve made less a cancellation fee of £249 and the
funeral director will keep any arrangement fee paid by you
Pay by 12 monthly payments at no extra charge
Spread the cost over 12 monthly payments by Direct Debit
- Pay a minimum deposit of £49 plus 12 monthly payments by Direct Debit into the Golden Charter Trust. You can also reduce your monthly payment by paying a higher deposit.
- You will be fully covered at the end of the payment term
- If you die before all payments have been paid, the outstanding balance will be requested from your family or estate. Alternatively, the plan may be cancelled and we would refund any payments made less the cancellation fee of £249 and the funeral director will keep any arrangement fee paid by you
- If you wish to cancel after 30 days, we’ll refund the payment you’ve made less a cancellation fee of £249 and the funeral director will keep any arrangement fee paid by you
Instalments are rounded to the nearest penny and the final instalment will be the same or less than the quoted monthly payment above.
Low cost instalment option
- The low cost instalment option is payable by monthly Direct Debit into the Golden Charter Trust over an agreed term
of between two and 30 years - You will be fully covered at the end of the payment term
- Payment breaks are available after 12 months of consecutive payments
- If you die before 12 monthly payments have been made, all the money less any arrangement fee you have paid will be returned to your estate
- If you die after 12 monthly payments have been made, but before all the payments have been paid, the balance will
be requested from your estate so that your funeral may still be carried out - If you wish to cancel after 30 days but within 12 months, we’ll refund the payments you’ve made less a cancellation
fee of £249 and the funeral director will keep any arrangement fee paid by you - If you stop paying after 12 months, your plan will remain in place. When you die, the funeral director will get the
money you have paid in less a £249 cancellation fee and any arrangement fee paid by you as a contribution towards your funeral
Fixed monthly payments
A fixed monthly payment for life or until age 90. Available if you are aged between 50 and 80 and a UK resident
• Pay a fixed monthly payment by Direct Debit based on your age (at time of application) and choice of funeral plan
• Payable for life or until the age of 90
• This option is available if you are aged 50 to 80
• Your payments will be paid to a UK life assurance company and managed by them
• You will be fully covered after two years’ consecutive payments
• The total payable could potentially be higher than the cost of your funeral plan
If you would like a personalised quote for paying by fixed monthly payments, please speak to your funeral director or
call Golden Charter on 0800 833 800.
Examples: Low cost instalment option monthly payment tables
Your monthly payment depends on the term (the number of years you wish to spread the cost over) and your choice of
plan. Please note, there are restrictions on the maximum length of your payment term, depending on your age when
we accept your plan, as shown in the first column below. If you would like a personalised quote for paying by low cost
instalments, please speak to your funeral director or call Golden Charter on 0800 833 800.
Payment Table Examples
£49 Deposit Plans
Plan Price £3,495
- 2 years payment plan (max age 78)
Monthly Payment £149.64
Total Payable £3,640.36 - 5 years payment plan (max age 75)
Monthly Payment £63.46
Total Payable £3,856.60 - 10 years payment plan (max age 70)
Monthly Payment £34.89
Total Payable £3,856.60 - 20 years payment plan (max age 60)
Monthly Payment £20.88
Total Payable £5,060.20 - 30 years payment plan (max age 50)
Monthly Payment £16.45
Total Payable £5,971.00
Plan Price £3,850
- 2 years payment plan (max age 78)
Monthly Payment £165.06
Total Payable £4,010.44 - 5 years payment plan (max age 75)
Monthly Payment £70.00
Total Payable £4,249.00 - 10 years payment plan (max age 70)
Monthly Payment £38.48
Total Payable £4,666.60 - 20 years payment plan (max age 60)
Monthly Payment £23.03
Total Payable £5,576.20 - 30 years payment plan (max age 50)
Monthly Payment £18.15
Total Payable £6,583.00
Plan Price £3,850
- 2 years payment plan (max age 78)
Monthly Payment £175.87
Total Payable £4,269.88 - 5 years payment plan (max age 75)
Monthly Payment £74.59
Total Payable £4,524.40 - 10 years payment plan (max age 70)
Monthly Payment £41.00
Total Payable £4,969.00 - 20 years payment plan (max age 60)
Monthly Payment £24.54
Total Payable £5,938.60 - 30 years payment plan (max age 50)
Monthly Payment £19.34
Total Payable £7,011.40
£99 Deposit Plans
Plan Price £3,495
- 2 years payment plan (max age 78)
Monthly Payment £147.47
Total Payable £3,638.28 - 5 years payment plan (max age 75)
Monthly Payment £62.54
Total Payable £3,851.40 - 10 years payment plan (max age 70)
Monthly Payment £34.38
Total Payable £4,224.60 - 20 years payment plan (max age 60)
Monthly Payment £20.58
Total Payable £5,038.20 - 30 years payment plan (max age 50)
Monthly Payment £16.21
Total Payable £5,934.60
Plan Price £3,850
- 2 years payment plan (max age 78)
Monthly Payment £162.89
Total Payable £4,008.36 - 5 years payment plan (max age 75)
Monthly Payment £69.08
Total Payable £4,243.80 - 10 years payment plan (max age 70)
Monthly Payment £37.98
Total Payable £4,656.60 - 20 years payment plan (max age 60)
Monthly Payment £22.73
Total Payable £5,554.20 - 30 years payment plan (max age 50)
Monthly Payment £17.91
Total Payable £6,546.60
Plan Price £3,850
- 2 years payment plan (max age 78)
Monthly Payment £173.70
Total Payable £4,267.80 - 5 years payment plan (max age 75)
Monthly Payment £73.67
Total Payable £4,519.20 - 10 years payment plan (max age 70)
Monthly Payment £40.50
Total Payable £4,959.00 - 20 years payment plan (max age 60)
Monthly Payment £24.24
Total Payable £5,916.60 - 30 years payment plan (max age 50)
Monthly Payment £19.10
Total Payable £6,975.00
£199 Deposit Plans
Plan Price £3,495
- 2 years payment plan (max age 78)
Monthly Payment £143.13
Total Payable £3,634.12 - 5 years payment plan (max age 75)
Monthly Payment £60.70
Total Payable £3,841.00 - 10 years payment plan (max age 70)
Monthly Payment £33.37
Total Payable £4,203.40 - 20 years payment plan (max age 60)
Monthly Payment £19.97
Total Payable £4,991.80 - 30 years payment plan (max age 50)
Monthly Payment £15.74
Total Payable £5,865.40
Plan Price £3,850
- 2 years payment plan (max age 78)
Monthly Payment £158.54
Total Payable £4,003.96 - 5 years payment plan (max age 75)
Monthly Payment £67.24
Total Payable £4,233.40 - 10 years payment plan (max age 70)
Monthly Payment £36.96
Total Payable £4,634.20 - 20 years payment plan (max age 60)
Monthly Payment £22.12
Total Payable £5,507.80 - 30 years payment plan (max age 50)
Monthly Payment £17.43
Total Payable £6,473.80
Plan Price £3,850
- 2 years payment plan (max age 78)
Monthly Payment £169.36
Total Payable £4,263.64 - 5 years payment plan (max age 75)
Monthly Payment £71.82
Total Payable £4,508.20 - 10 years payment plan (max age 70)
Monthly Payment £39.49
Total Payable £4,937.80 - 20 years payment plan (max age 60)
Monthly Payment £23.63
Total Payable £5,870.20 - 30 years payment plan (max age 50)
Monthly Payment £18.62
Total Payable £6,902.20
With an Independent Way Funeral Plan, you’ll benefit from:
- Paying now at today’s prices
- A guarantee of no more to pay for the funeral director’s services included in your plan
- A personalised, local service from your chosen funeral director
Golden Charter works on behalf of more than 3,000 independent funeral directors – the largest network in the
country. This means your arrangements will be carried out by someone you know and trust.
When the time comes, one phone call will activate your plan, relieving your family of the stress of organising
funds and making detailed arrangements.
When you are thinking about something as important as your funeral arrangements, it makes sense to talk
directly to the experts – your local independent funeral director.
