Golden Charter Funeral Plans

A funeral plan can provide peace of mind for you and your family and could save you money. You choose the funeral you want and pay for our services included in the plan at today’s prices, relieving your family of worries and uncertainty at a distressing time. 

The price of funerals, like everything else, has been rising year on year. That’s why it is more important than ever to be planning ahead and preparing for our future.  

Taking out a funeral plan is a sensible and thoughtful way to help protect yourself against these increases. More than a million people in the UK have taken out a funeral plan. We recommend funeral plans from Golden Charter, one of the UK’s largest providers of plans to independent funeral directors like us. 

With a range of plans and flexible ways to pay, a Golden Charter Funeral Plan offers you exceptional value and choice. Plus, you can tailor your plan to meet your personal wishes, from the service and type of coffin, to the music, flowers and readings. This way, your family will find great comfort knowing that your funeral will be carried out according to your wishes. 

With a Golden Charter Funeral Plan you’ll benefit from: 

  • Protection against rising costs 
  • Reassurance for your family – less uncertainty and fewer difficult decisions 
  • Flexible ways to pay 
  • The assurance that your local and independent funeral director will look after you when the time comes 

FAQ’s

Here are some of the questions you might want to ask, but please call us if there
is anything else you would like to know about the plan.

How do I know the money will be safe?
All payments are made directly into Funeral Planning Trust, a national fund established in 1995 for the secure deposit of funeral prepayments. The accounts of Funeral Planning Trust are monitored annually by independent actuaries and checked by independent auditors. The payment for the funeral can only be withdrawn from Funeral Planning Trust when the service has been provided or if the plan is cancelled.
Does the plan include disbursements?
Each plan usually includes a contribution towards other expenses, such as crematorium or cemetery fees, doctors’ fees for a cremation certificate and minister’s or church fees – these fees are known as “disbursements”. This is intended to cover most of the usual disbursements, but please note that they are outside of our control and cannot be guaranteed. The amount included for disbursements will be stated on your funeral plan certificate and will be increased annually in line withthe Retail Prices Index. You can include a larger, or smaller, contribution towards disbursements if you wish – please ask if you need advice on this point.
What if funeral costs increase?
Funerals, like everything else, are affected by inflation and the cost of a funeral will almost certainly increase before you need one. However, once you have purchased a prepayment plan, the funeral specified will be provided for you when it is needed without any further charge to you or your family (but please refer to the note on “disbursements”). This is one of the most important benefits and why it has become so popular with our clients in recent years.
Do you pay interest?
No. A guaranteed funeral plan is not a savings account, it is simply a way of paying in advance for the funeral service. As the value of the Funeral Planning Trust fund increases over the years, so the money available to pay the funeral director will increase to compensate for rising costs.
What if I change my mind later?
If you change your mind within the first month of receiving your plan documents you can return them for a full refund, with no questions asked. If you cancel your plan at a later date, your refund will be subject to an administration charge (please refer to the terms of sale).
What if I die away from home?
We recommend that you take out travel insurance when you go on holiday, especially if you travel abroad, which usually covers bringing you back home if necessary. Alternatively we can quote for the extra cost involved.
What if I move home?
If you move, Funeral Planning Services can transfer your plan to a Funeral Director in that area. Funeral costs do vary from one area to another and you will be advised of any difference in cost at that stage. Here are some of the questions you might want to ask, but please call us if there is anything else you would like to know about the plan.
Can I buy a plan for someone else?
Yes, please mention this on your application – we will need the name, address and date of birth of the person to be covered but we will send all correspondence to you.
Can I pay by instalments?
Yes, there is a range of options – please ask for details. Payment by instalments usually costs more than a single payment because of the extra administration involved, and if you die before completing all of the instalments the funeral will only be part-paid.
Is there an age limit or health restrictions?
No – you can purchase a plan at any age and in any state of health, but please see the note on instalments below.

Phil from Sussex Funeral Services was absolutely fantastic in organising my Dad's funeral. He's done quite a few Hindu funerals before so knew exactly what we needed and organised everything on the short time we needed it done. Extremely professional and friendly.
Rajul Savani
Rajul Savani
19:56 06 Mar 20
I cannot recommend Sussex Funeral Services more highly. They handled all of our requests with great sensitivity and professionalism. Everything was explained clearly and in sufficient detail. Different service/cost options were discussed, and at no point did we feel unnecessarily overcharged. Nothing was too much trouble, they are lovely people and gave us really wonderful service.
Ann Gray
Ann Gray
06:37 20 Feb 20
It is never an easy time, saying goodbye to a loved one. Philip was great, helping us every step of the way. We had a dignified and fitting send off for my Father in law George.
dawn patram
dawn patram
13:03 19 Feb 20
I can not recommend highly enough Sussex Funeral Service extremely professional and caring and superb customer service, nothing was too much trouble in guiding us through a difficult time.
Nick Hackman
Nick Hackman
17:21 05 Feb 20
Truly an amazing funeral directors. Helped us bury my dad when it was so difficult for us. Coming from a culturally diverse background, it was nice to have people who worked around us to ensure my dad had the best, rather than have us to confirm to the service. Service is what we experienced from other funeral directors, therefore we moved to Sussex Funeral Services. I highly recommend Sussex Funeral Services for a personalised service which is people focus and they will help work within your budget.
Kenya Simpson Martin
Kenya Simpson Martin
16:33 28 Dec 19
Philip and Sallie provided a truly wonderful service at a very difficult moment in my life ....... and went the extra mile all the way round. I would thoroughly recommend them. Thank you Philip and Sally.
Really wonderful service from Phil and the team. Made everything seamless and very supportive all the way through. I would highly recommend to anyone.
bianca kokkolas
bianca kokkolas
15:17 13 Dec 19
From the moment that I met the team they were fantastic. Funerals are never an easy thing to be burdened with but the sussex funeral service helped put me and my family at ease with there attention to detail and their overall organisation. We would highly recommend their services.
Joseph B
Joseph B
14:08 13 Dec 19
Philip,I just wanted to thank you formally for all your help in designing and delivering Joyce's funeral. I didn't really know how to go about choosing a funeral director, and I'm so glad I chose you. You gave extremely good advice about the design of the service. Throughout the process you have been very helpful and gave me a lot of reassurance through your obvious good planning, professionalism and expertise. And you provided me with great people to work with - Lisa with the flowers and, in particular, the wonderful Jen.I'm sure you know that this has been the most difficult time of my life. I'm very pleased with the way that the funeral went - as were all the people there. So you have my gratitude for making it a success and for the fact that the process was more pain free than I would have dared to imagine.Warm regards,Ed Hagger
Joyce Brown
Joyce Brown
16:47 30 Aug 19