Pre-Paid Funeral Plans

In the current financial climate Prepaid Funeral Plans can make good economic sense, as it can safe guard against some of the rising funeral expenses for the future. It can also give the client peace of mind that their wishes are recorded and will be carried out, thus saving relatives the anxiety and expense at an emotional time.

However, the way that some of these Funeral Plans are being sold is something to be cautious about, because of the increase in awareness of funeral costs, funeral plans are big business and it seems everyone wants a share, using all sorts of methods to get a sale. It’s not just an advertisement in your local newspaper or magazine anymore, you can be approached in all sorts of ways; leaflet drops, making a will with your local solicitor, taking out insurance, in the local shopping centre and even being telephone cold called. The companies that use these methods are NOT funeral directors, they are businesses out to gain revenue by acting as middle men, taking your money and limited instructions and securing these instructions with an allied funeral director – often that funeral director may not be your preferred choice. In some cases the client is allowed to nominate a funeral director of their choosing, but the fee offered to this funeral director is usually at a much reduced rate than what you as the client will have paid for the plan. This makes it difficult for the nominated firm to accept the instructions without creating a financial loss. It is not uncommon for a client to pay one of these firms £3600.00 and for the funeral director to be offered £2400.00. This is fact and has actually happened to us.

If you are considering taking out a prepaid funeral plan the only way to guarantee your funeral plan and ultimately your funeral is carried out by Broadoak Independent Funeral Service is to purchase the funeral plan directly from us. Otherwise you might pay more than you need too, may not have the funeral youwanted and may not be able to use the trusted and respected funeral director that has been a part of the community and served your family for generations.

Our Independent Way funeral plans are backed by Golden Charter one of the countries leading funeral planning companies, who are compliant with the Funeral Planning Authority and all the monies you pay are supported and guaranteed by a secure trust fund. A brochure for our plans is available to download below, but we understand that sometimes it is better to discuss things in person so that we can tailor a plan which is just right for you, so please call our office and make an appointment.


How planning your funeral brings complete peace of mind!

Comfort, reassurance, freedom from worry and stress - these are the benefits mentioned by almost everyone with a funeral plan from Broadoak Independent Funeral Service in association with Golden Charter.

Consideration for others is the most frequent reason for purchasing a Golden Charter funeral plan. With Golden Charter you know that your loved ones will be spared some of the burden of bereavement. You’ll have specified every detail of the funeral in advance, selected the funeral director and made provision for the costs.



More than 350,000 people in Great Britain have planned their funerals, over 160,000 of them with Golden Charter, the UK's leading funeral plan provider. Many, through losing loved ones, have known the grief of bereavement - and the distress of selecting the funeral arrangements, as well as financial anxiety. Sometimes they worry about how their sons, daughters or even grandchildren will cope at the time of their own funeral. And for many people, their funeral in advance has become a way of taking care of the future, like preparing a will for instance.


A Guarantee

Once you've paid for your Golden Charter plan, you can be sure that neither your loved ones nor your estate will be asked for a penny more for the services within the control of your funeral director - no matter how much these costs may rise in years to come.

Some costs are paid on your behalf by the funeral director but are not within his control. Known as disbursements, they include the fees of cemeteries, crematoria, doctors, clergy, newspaper notices and memorials. Only if the increase in these costs were to exceed the disbursements amount allowed for in the plan might there be a balance to pay at the time of need.


Financial Security

Your payment will go directly to the Golden Charter Trust, which will hold the money for your funeral on behalf of participating funeral directors. This is why your funeral director is able to provide a legally binding contract, guaranteeing that your selected arrangement will be carried out when required.

The Trust Fund is a legally separate entity from Golden Charter. In the unlikely event of something untoward affecting the company, the Fund would continue until every plan has been carried out.


Golden Charter and the Woodland Trust - a unique partnership

Almost every Golden Charter plan holder we've spoken to thinks this is a beautiful way to be remembered. When you purchase a plan, a tree will be planted on your behalf by the Woodland Trust, Britain's largest woodland conservation charity. Over 150,000 trees such as oak, ash and beech have been planted through this exclusive arrangement. You will receive a certificate to record the planting and, though it is not possible to specify the type of tree or its location, we will enclose information on the Woodland Trust. Your decision to choose Golden Charter will not only give you peace of mind but also bring pleasure to future generations.


What to do next?

If you would like to discuss funeral plans further or would like to arrange for a funeral director to visit you then email us your details or telephone 0161 794 7499 to arrange an appointment.