Prepaid funeral plans

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Pre-paid funeral plans

Plan for tomorrow and lock in the price¹ of a high-quality funeral service today.

Wherever you are in life, having a plan in place to pay for a service you will one day require makes all the sense in the world.

When you purchase a Golden Charter pre-paid funeral plan through Love’s Independent Funeral Directors, you ensure an exceptional quality funeral service.

To keep your funds safe until the funeral service is required, we partner with Golden Charter – one of the UK’s largest funeral plan providers.² Golden Charter has helped 900,000 people make funeral provisions so we’re completely confident in offering their plans to you.³

What is a prepaid funeral plan?

A pre-paid funeral plan lets you decide what kind of funeral service you’d like to receive and pay for it in advance.

Our funeral director’s services are covered by the pre-paid funeral plan, plus Golden Charter’s funeral plans can include a contribution towards essential third party costs, such as crematorium or burial fees and minister or officiant’s fees.¹

Third party costs are outside of your funeral director’s control but will need to be paid for at the time of the funeral. Please note that the built-in allowance will not be used towards certain third party costs such as doctor’s fees (if applicable) or the purchase of the burial plot.

One of the biggest advantages of a pre-paid funeral plan is that you will be paying the current cost of a funeral director’s services at today’s prices, rather than the cost of these services years or decades down the line.¹

Considering the fact that the average cost of a funeral has increased by over 28% since 2012 and prices are forecast to rise in 2023, locking in the cost of your funeral director’s services is well worth thinking about. 4

Alongside the cost-benefit, many choose to purchase a pre-paid funeral plan for the peace of mind that comes with knowing that there’s one less thing for their loved ones to worry about.

Rather than scrambling to cover costs during a very difficult time, your loved ones can focus on looking after each other.

Interested in learning more about Golden Charter’s pre-paid funeral plans? Get in touch with us on 01785 630100 to arrange a time to talk.

Why choose a Golden Charter prepaid funeral plan?

While you would be paying for a Love’s Independent Funeral Directors’ service, your money is not held by us. Your payments are held within the Golden Charter Trust. With £1.2 billion under management the Trust is operated by a Board of Trustees,5 completely independent of Golden Charter. Their role is to hold your payments and ensure that the funeral director services in your plan can be paid for at the time they are required – however far into the future that may be. For more information on how your payments are protected, please visit

We consider pre-paid funeral plans an intrinsic part of the services we offer the people in our community, so we wouldn’t partner with just anyone. We chose Golden Charter because they’re reliable, proudly owned by an association of independently-owned funeral directors and are recommended by the National Society of Allied & Independent Funeral Directors.

With a Golden Charter funeral plan, you can pay for your plan in several ways. Spread the cost over monthly payments or make a one-off payment – simply choose the one that’s right for you. We will provide you with the information you need to make an informed decision.

How do Love’s Funerals help with your prepaid funeral plan?

When you decide to purchase a Golden Charter pre-paid funeral plan through us, the Love’s Funerals team will be there to help you step by step with planning your funeral. 

Once you’ve made a decision and formalised your payment, we will keep a full record of your wishes and service details on file. 

This means that, when the time comes, all your loved ones need to do is pick up the phone. We’ll take it from there.

Interested in learning more about Golden Charter’s pre-paid funeral plans? Get in touch with us to arrange a time to talk.

  1. The value of third party costs included in your plan may grow over time. There will 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.
  2. Based on a Golden Charter analysis and independent research of the funeral plan market size as at January 2023
  3. Correct at March 2023
  4. SunLife Cost of Dying Report 2023
  5. Confirmed by Golden Charter Trust’s audited accounts at 31 March 2022

Love’s Independent Funeral Directors 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).