The Copper Plan
*When paid in full or with 12 months instalments paid by Direct Debit with a variable deposit amount (subject to health status)
This, our most basic plan, provides a direct cremation service for a no-fuss approach at an affordable price. The simplicity makes for a worry-free arrangement.
The Zinc Plan
*Based on a 50 year old purchasing a Zinc plan paid for with a £25 deposit and fixed monthly life insurance payments (subject to health status)
This plan provides a simple cremation or burial service, including professional funeral director services, a hearse for the mourners, a basic coffin and a contribution towards third party fees.
The Silver Plan
*Based on a 50 year old purchasing a Silver plan paid for with a £25 deposit and fixed monthly life insurance payments (subject to health status)
This plan provides a simple cremation or burial service, including the funeral director’s professional services, the provision of a basic coffin and a hearse on the day.
The Gold Plan
*Based on a 50 year old purchasing a Gold plan paid for with a £25 deposit and fixed monthly life insurance payments (subject to health status)
The Gold plan provides all the elements of the Silver plan, plus an update to a standard coffin. This plan allows one limousine to transport mourners and family to and from the service.
Quality Prepaid Funeral Plans from a Name you can Trust
Protect those close to you from the stress and expense of arranging your funeral with a guaranteed prepaid funeral plan from Golden Leaves.
Everyone has different needs when it comes to funeral planning, that’s why we have a range of funeral plans to suit you. Arranging your service and paying the funeral costs in advance means that you’ll have peace of mind that your family won’t have financial worry at an already difficult time.
Golden Leaves’ funeral prepayment plans are designed so you can select your preferred type of funeral and pay for it in advance. We offer a comprehensive range of options and payment plans so talk to us about finding one that suits your budget and requirements.
If you wish to add any particular services not covered in our standard Golden Leaves Funeral Plans, our helpful team can produce a bespoke plan just for you.
By choosing a funeral plan and paying for it at today’s prices, you can help shield your friends and family from funeral price inflation. Our range of funeral plans offer a straightforward way to plan and pay for the funeral you want, with our prices guaranteed.
Contact us today for secure and accessible prepayment funeral plans.
What is a Prepaid Funeral Plan
A prepaid funeral is designed to safeguard you and your loved ones against rising funeral plan costs. It also allows you to select the funeral service that best suits your wishes. Whether you want a direct cremation or a more traditional funeral service, you can decide as a family which funeral package would be best. This protects your family from making difficult discussions and dealing with financial worry at a very stressful time.
- Secures today’s funeral plans prices and protects against future increases.
- Covers the cost of the funeral package of your choice.
- Simple and straightforward way of paying for peace of mind for your family.
What’s Included in a Funeral Plan?
Every funeral plan should cover the full cost of the selected service. All the following features are included in our prepaid funeral plans as standard. Please note, features marked with a * are not included within our direct cremation Copper Plan, but are included in our other funeral plans.
- Cremation or burial
- A coffin suitable for the funeral
- Chapel of Rest for friends and family to visit*
- Funeral Director’s professional services, allocated by Golden Leaves
- Advice on funeral registration, documentation and certification
- Collection from place of death to Funeral Director within 25 miles (during normal working hours)
- Care of deceased prior to funeral
- Conductor and four pallbearers at funeral plus hearse*
- Bereavement counselling (where available)
For more information on our individual prepayment funeral plans please see the individual plans pages. To compare our funeral plans, please see our ‘Compare Funeral Plans’ page.
Four Simple Payment Options
Single payment (i.e. in one lump sum)
- The whole sum is paid immediately and full cover starts once your welcome call is completed.
- No health checks.
- No age restrictions.
Fixed monthly payments**
- Golden Leaves takes out a life insurance policy with Phoenix Life Ltd.
- Until you reach the age of 90.
- Monthly premiums never increase.
- Immediate cover for accidental death
- Fully covered after just 12 months
- Available only to people aged between 50 and 75
Credit Financed Option*
- Credit agreement arranged with Funeral Safe Limited (subject to status and affordability).
- Payment duration is between 2 and 8 years
- Full cover commences immediately after the welcome call.
- Should you die during your regulated credit agreement, your lender will not pursue your estate or whoever took out your finance arrangement for you, for the outstanding balance.
12 months instalments
- A deposit is paid and the remaining balance is spread over 12 months instalments
- Accidental death cover commences immediately after the welcome call
- Full cover commences after 12 months
- No age restrictions.
Important information that you should know
Single payment (i.e. one lump sum) – you can cancel within 30 days or within 7 days of us telling you who your funeral director is (if this is later). You’ll get all your money back. If you cancel after this, you’ll get your money back but we’ll keep a £249 charge for administration.
12 months’ instalments – you can cancel at any time in the 12 months and get back everything you’ve paid. After that, you’ll get your money back but we’ll keep a £249 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan.
Credit-financed payment* – this is a loan and it’s subject to status and personal circumstances so you’re not guaranteed to be accepted. You must keep up payments on this: if you miss payments, your plan may be cancelled. If you select this option you will be provided with pre-contract credit information, adequate explanations and a credit agreement directly by Funeral Safe Limited. You will have a cooling off period which is the longer of 30 days from the date of the onboarding call or 7 days from when we tell you who the allocated funeral director is. During this period, you can cancel the purchase of your funeral and receive a full refund of any money you have paid to that date. If you cancel after this point, we’ll pay back the cost of your plan to Funeral Safe but we’ll keep a £249 charge for administration. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan. You must repay your finance to Funeral Safe Limited before your 85th birthday.
Fixed monthly payments** – this is the cheapest per-month way to pay but you may pay more over the life of your plan than if you choose other ways to pay for this so please consider this carefully. We take out a policy on your life to cover the costs of the funeral – you will not be the policyholder. Your plan will be at risk if you don’t keep up your monthly payments. You can cancel at any time in the first 12 months and get your money back. If you cancel after this though, please be aware that you will NOT get any money back and you’ll have to pay £25 to cancel. Payment option not available if you have been advised by a doctor of a condition or illness that will cause death within 12 months of applying for a plan.
What happens to the money I paid for my plan? – We help many thousands of customers to plan and fund their funerals. Because of economies of scale, we can sell our Plans to our customers at a rate which is usually far more cost effective than it would be for them buying from a funeral director at the time of the funeral itself. As a commercial enterprise, we have costs of doing business and promotional marketing. These costs are met by supply side economies of scale delivered by our ability to purchase funerals in bulk and are consequently absorbed into the price of our Plans.
We retain an amount from the price paid by you for your Plan (which is currently £249) to cover our administrative costs of running the business for the life of each Plan, which is approximately 11 years. We also retain an amount (which currently ranges between £401 and £934 dependent on which plan you purchase) to cover marketing, sales fulfilment expenses and to provide the business with an element of profit. The balance is placed in the Trust in order to pay the Appointed Funeral Director and other costs of the agreed funeral (for further information, please see our Commission and Payment Disclosure and refer to our fees and payments breakdown summary table for further details.
If you have purchased by way of Fixed Monthly Payments, Golden Leaves will receive a commission payment (which currently ranges between £590 and £1,061 dependent on your age and which plan you purchase) which will cover these costs of sales, marketing, administration and provide the business with an element of profit. Your monthly premiums are used to buy a life insurance policy with a FCA Regulated Insurance Company, the payout from which will be used to fund your funeral services.
*Golden Leaves Limited is a credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 960923. You can check this on the Financial Services Register at https://www.fca.org.co.uk/firms/financial-services-register. We introduce you to and promote credit available only from Funeral Safe Limited for the purpose of financing a funeral plan. You do not have to pay us for this introduction and we do not receive any commission, incentive or other form of payment if you choose to apply for credit with Funeral Safe to finance your Golden Leaves funeral plan.
**Not applicable for Copper Plan.