Ensured Wills

Funeral Plans

Golden Charter Logo Ensured Wills LTD are an approved agent for Golden Charter Funeral Plans & for Golden Charter Trust.

Our funeral plans provide an easy way to organise your funeral arrangements in advance, specify your wishes and take care of the costs. It’s a chance to avoid the rising costs of funerals and get peace of mind, for you and the ones you care about.

You choose the funeral you want and fix the cost of your funeral director’s services included in the 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 our plan holders often tell us, that can be a big weight off your mind. Find Out More
Why planning ahead makes great sense

Over the last 15 years, funeral costs have increased by 122%!

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Plan ahead and beat rising prices

Nobody wants their family to face money worries in the future. A funeral plan lets you fix the cost of the funeral director’s services at today’s prices.

No matter how much prices rise in the future, once your plan is paid for you’ll have the reassurance of knowing there’ll be nothing more to pay for these services – GUARANTEED!

A smart alternative to saving

With the rise in funeral costs outstripping inflation and interest rates, there’s no guarantee that, when the time comes, your bank or building society savings will cover the cost of your funeral.

Over 50’s insurance policies usually pay out a fixed sum, but don’t guarantee to cover your funeral director’s costs in the future.

With either of these options, your family may need to make up the shortfall or wait until assets from your estate are available.

A Golden Charter Funeral Plan will pay your funeral director for the services covered by your plan at the time they are requested.

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Choose the perfect plan

There are four Golden Charter Funeral Plans to choose from so you can pick the one that best suits your needs. Whichever plan you choose, all cover the funeral director’s own services included in the plan for either a cremation or burial.

The Value Plan

The Value Plan is our lowest priced option if you’re looking for a simple, uncomplicated funeral plan. The Value Plan includes a basic coffin as well as an £800 allowance towards third party costs and a host of other benefits.

The Standard Plan

Offers the same features as the Value Plan, but includes a simple coffin, a funeral procession and gives your family the choice of date and time of the funeral. Includes £1,100 allowance towards third party costs.

The Select Plan

If you want a funeral plan that goes a little bit further, the Select Plan includes everything in the lower cost plans but also includes a limousine, high quality coffin and an £1,100 allowance towards third party costs.

The Premier Plan

The Premier Plan is our most comprehensive option. This plan includes two limousines as well as a superior coffin, an £1,100 allowance towards third party costs on top of all of the other benfits from the lower priced plans.

In addition to these four main services, there is also the:

The Basic Plan

Only available for cremation and does not include any kind of funeral service. This does not allow you or your next of kin any choice as to the location, date or time of the cremation – this will be decided by your funeral director! Includes a £500 allowance to third party costs

To find out how Ensured Wills can help with your funeral plans Contact Us
How do the plans compare?
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Funeral Director Services
  • Provision of professional services and making all arrangements for the funeral
  • Advice on the certification and registration of the death related documentation
  • 'Basic' coffin*
  • Collection and transportation of the deceased to the funeral directors' premises (within a 25 mile radius) - within working hours
  • Care of the deceased prior to burial or cremation (excluding embalming)
  • Use of chapel of rest or service rooms
  • Family viewing at any pre-arranged time**
  • The funeral service at a local cemetery or crematorium
  • Funeral held on a normal weekday, during working hours
  • Hearse to a local crematorium or cemetery
  • Provision of sufficient staff to attend to the coffin as required
Additional Benefits
  • £800 built-in allowance for third party costs
  • 24-hour funeral director telephone support for the bereaved

*All coffins supplied will be wood-effect quality or better. Your funeral director will provide further guidance on the types of coffin available within your plan. **Costs may apply if out-of-hours viewing is required.

Please note: Our plans don't include the purchase of a burial plot. Should you choose burial the plans include an allowance towards opening of a new or existing grave. The purchase of a grave and any monumental work would need to be arranged separately.

Funeral Director Services
  • Provision of professional services and making all arrangements for the funeral
  • Advice on the certification and registration of the death related documentation
  • 'Simple' coffin*
  • Collection and transportation of the deceased to the funeral directors' premises (within a 25 mile radius) - within working hours
  • Care of the deceased prior to burial or cremation (excluding embalming)
  • Use of chapel of rest or service rooms
  • Family viewing at any pre-arranged time**
  • The funeral service at a local cemetery or crematorium
  • Funeral held on a normal weekday, during working hours
  • Choice of date and time of funeral
  • Funeral procession to funeral location (fees and costs of a service at a separate location not included)
  • Hearse to a local crematorium or cemetery
  • Provision of sufficient staff to attend to the coffin as required
Additional Benefits
  • £1,100 built-in allowance for third party costs
  • 24-hour funeral director telephone support for the bereaved

*All coffins supplied will be wood-effect quality or better. Your funeral director will provide further guidance on the types of coffin available within your plan. **Costs may apply if out-of-hours viewing is required.

Please note: Our plans don't include the purchase of a burial plot. Should you choose burial the plans include an allowance towards opening of a new or existing grave. The purchase of a grave and any monumental work would need to be arranged separately.

Funeral Director Services
  • Provision of professional services and making all arrangements for the funeral
  • Advice on the certification and registration of the death related documentation
  • 'High Quality' coffin*
  • Collection and transportation of the deceased to the funeral directors' premises (within a 25 mile radius) - 24 hours
  • Care of the deceased prior to burial or cremation (excluding embalming)
  • Use of chapel of rest or service rooms
  • Family viewing at any pre-arranged time**
  • The funeral service at a local cemetery or crematorium
  • Funeral held on a normal weekday, during working hours
  • Choice of date and time of funeral
  • Funeral procession to funeral location (fees and costs of a service at a separate location not included)
  • Hearse to a local crematorium or cemetery
  • Provision of sufficient staff to attend to the coffin as required
  • One Limousine
Additional Benefits
  • £1,100 built-in allowance for third party costs
  • 24-hour funeral director telephone support for the bereaved

*All coffins supplied will be wood-effect quality or better. Your funeral director will provide further guidance on the types of coffin available within your plan. **Costs may apply if out-of-hours viewing is required.

Please note: Our plans don't include the purchase of a burial plot. Should you choose burial the plans include an allowance towards opening of a new or existing grave. The purchase of a grave and any monumental work would need to be arranged separately.

Funeral Director Services
  • Provision of professional services and making all arrangements for the funeral
  • Advice on the certification and registration of the death related documentation
  • 'Superior' coffin*
  • Collection and transportation of the deceased to the funeral directors' premises (within a 25 mile radius) - 24 hours
  • Care of the deceased prior to burial or cremation (excluding embalming)
  • Use of chapel of rest or service rooms
  • Family viewing at any pre-arranged time**
  • The funeral service at a local cemetery or crematorium
  • Funeral held on a normal weekday, during working hours
  • Choice of date and time of funeral
  • Funeral procession to funeral location (fees and costs of a service at a separate location not included)
  • Hearse to a local crematorium or cemetery
  • Provision of sufficient staff to attend to the coffin as required
  • Two limousines
Additional Benefits
  • £1,100 built-in allowance for third party costs
  • A list provided to the family of mourners who sent flowers
  • 24-hour funeral director telephone support for the bereaved

*All coffins supplied will be wood-effect quality or better. Your funeral director will provide further guidance on the types of coffin available within your plan. **Costs may apply if out-of-hours viewing is required.

Please note: Our plans don't include the purchase of a burial plot. Should you choose burial the plans include an allowance towards opening of a new or existing grave. The purchase of a grave and any monumental work would need to be arranged separately.

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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.

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1.

Single Payment

You can make a one-off single payment for immediate cover. You can pay by debit card, credit card or cheque.

2.

12 Monthly Payments

A small initial deposit is required, thereafter the balance of the plan is payable by monthly Direct Debit. You will be covered once the plan is fully paid.

3.

Low Cost Instalments

If you would like lower monthly payments, we offer payment terms of between 2 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 you would like to pay. This option is available if you are aged 78 or under at the time of your application. You will be fully covered at the end of the payment term, providing all payments have been made.

4.

Fixed Monthly Payments

You can pay a fixed monthly amount by Direct Debit, based on your age (at the 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 50-80. You will be fully covered after 2 years’ consecutive payments.

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What funeral costs do I need to cover?
Third party costs – These are the costs for essential services such as burial fees or cremation fees, plus the minister or officiant’s fee which are beyond the control of the funeral director but will be paid by them, to the third parties at the time of the funeral.

Golden Charter Contributes…

Basic Plan

Value Plan

Standard, Select & Premier Plans

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Your Questions Answered
To find out how Ensured Wills can help with your funeral plans Contact Us