I want the funds for my purchase to be solid and secure, managed by a trusted brand.
Golden Leaves Trust
When you buy one of our pre-paid plans, we ensure that your money will remain safe.
Whether you purchase your plan by way of single payment or 12-60 monthly instalments, all Golden Leaves Funeral Plan funds once received, are paid directly into the Golden Leaves Trust.
The Golden Leaves Trust independently manages the funds to achieve stable long-term growth, specifically to cover the increasing cost of funeral services. The Trust is regulated in compliance with The Financial Services and Markets Act 2001, and is overseen by a board of trustees, who have appointed Julius Bär and Quilter Cheviot as the investment fund managers for the Trust, and Lloyds TSB as the fund’s banker. The fund is annually, independently audited and subject to strict actuarial reporting to ensure that it remains solid, stable, and above all, completely secure.
If you require any assistance in completing your application, talk to our Customer Advisers for free on 0800 45 44 48.
You know you’re being looked after by a historic and trusted brand
Since pre-paid funeral planning was introduced to the UK in 1984, Golden Leaves Ltd has been at the forefront of providers. We were founding members of the National Association for Pre-paid Funeral Plans and The Funeral Planning Authority (FPA) which monitors the marketing, financial and service provisions of the plan providers that it regulates. As of the 1st January 2002, funeral planning also became regulated by The Financial Services (FSA), adding further financial security.
We’d like to assure you that with Golden Leaves, your arrangements are in the safest possible hands. Every Funeral Director appointed to provide services for a Golden Leaves Plan must first satisfy a number of stringent requirements, including a demonstration of outstanding service records in their local community. They must also be affiliated with relevant accredited associations such as The National Association of Funeral Directors (NAFD) and/or The Society of Allied and Independent Funeral Directors (SAIF).
All Golden Leaves Funeral Plan funds are held in the Trust by an independent board of trustees, who are required to ensure the adequacy of funds to cover the cost of funerals when they occur. Our latest actuarial reports show that there are sufficient funds to cover all funerals should they occur on the same day.
The funds are invested in index linked gilts to ensure they keep pace with the RPI. Index linked gilts have performed well in the current market crises and have actually increased in value due to the flight by investors from equities into secure investments.
We are registered providers with the FPA and we adhere to their code of practice. In the event that we are no longer registered with the FPA, we will endeavour to continue adhering to their code of practice.
Furthermore, should Golden Leaves Ltd cease trade due to liquidation, insolvency or any other reason, the Golden Leaves Trust Fund is safe from any creditors because the Trust is an entirely separate legal entity. In such an incident, the trustees are required to find another company to complete the administration of the plans. In the first instance the trustees will request that Rowland Brothers International (a sister company to Golden Leaves) to administer all plans. As a registered provider with the FPA, other registered FPA providers are required to assist in the administration of the funeral plans.
If Golden Leaves Ltd is taken over by another company, the new company will assume all obligations Golden Leaves has made to its plan holders. Any monies already paid in will therefore be guaranteed to cover future funeral arrangements, and payments will continue to be taken in accordance with the plan contact terms and conditions.
James K Humble OBE
James K Humble is Vice President of the Trading Standards Institute; Fellow of the Royal Society of Arts; Member of the Codes of Practice Committee, Department of Health.
Previous appointments include Assistant Director Office of Fair Trading and Executive Committee; National Consumer Congress; Non-Executive Director of the National Consumer Council; Chief Executive LACOTS; Director Metrication Board; Director National Metrological Coordinating Unit. In Europe, Rapporteur Council of Europe Committees on Consumer Education and Codes of Practice; Leader Hague Nine; member of various regulatory committees including FLEP [food law]; PROSAFE [product safety] and WELMEC [metrology]; European Commission Working Groups and a member of the Methven Committee and the Eden Committee in Whitehall.
Jim Spinks runs an independent consultancy service focusing on trading standards and consumer protection. He has worked throughout the UK and in many countries overseas.
Jim gained previous experience whilst in charge of the consumer protection service of London’s largest local authority. Throughout his many years in this role, he established a formidable reputation for securing a better deal for consumers and for crushing unfair trading practices. In 1995, he was awarded Fellowship of the Trading Standards Institute for his outstanding services. He is an active member of the British Standards Society and of the Development Committee of the National Consumers Federation.
Arnold Pindar has been President of ANEC, the European Consumer Voice in Standardisation, since 2011. ANEC aims to achieve the highest practicable levels of protection and welfare for all consumers, regardless of age or ability. He is also Chairman of the UK National Consumer Federation since 2008, an independent, not-for-profit charity, with over 50 years’ experience of tackling issues that affect large numbers of consumers, and campaigning for positive change. The NCF works to influence Government, regulators and businesses to ensure that the consumer voice is at the heart of decision-making. At international level, Arnold is co-chair of the ISO (International Organisation for Standardisation) Consumer Working Group on Services.
Arnold trained as an analytical chemist and worked for many years at the UK’s Department of Trade & Industry, much of this time dealing with consumer safety. He has represented the UK at European Council and Commission Working Parties developing safety related harmonization Directives, and has been a member of many British and European (CEN) and international (ISO) Standards Technical Committees. He joined the British Standards Institution in 1996 as Head of Consumer & Societal Policy (retired 2006).
Tom Kiedrowski has worked in a range of strategic and operational roles within the areas of consumer protection, competition policy and regulation for more than twenty-one years. Tom has extensive senior management experience with exposure to Board-level directors, politicians and senior civil servants having working at BT, ECTA, Ofcom, Ofwat, the Department of Business Innovation & Skills, Bristol Water and the Law Society of England & Wales. Tom established the UK Competition Network (UKCN) during his time in the CMA transition team at the Department of Business, Innovation and Skills.
He was a member of the Better Regulation Executive team that developed the Principles for Economic Regulation that were published in April 2011.
Until January 2014 Tom was Director of Market Reform at Ofwat, where he developed proposals for the implementation of wholesale and retail market reform team.
Between 2005 and 2011, he held a number of roles at Ofcom, including Project Director of Better Regulation and Impact Assessments. Tom developed Ofcom’s principles for co and self-regulation.
Steve Rowland provides the valuable link between the funeral industry, the Golden Leaves company, and the Golden Leaves Trust. He brings a vast wealth of experience and capability. He is the Chairman of Golden Leaves Ltd, Managing Director of funeral directors Rowland Brothers, A & J Morriss and Sons, and Rowland Brothers International – a globally recognised repatriation provider.
His previous roles include Chairman of the National Association of Pre-Paid Funeral Plans (NAPFP) between 2000 and 2005; an industry representative of the Joint Steering Group for the development of the Funeral Planning Authority (FPA); and director of the FPA from 2002 to 2005.
Steve has witnessed both the best and worst of what the industry has to offer, and offers a highly knowledgeable link between Golden Leaves, funeral directors, and ultimately, the customer. “Most companies may have one or two employees which genuinely look to put the customer’s needs first, but this can often be undone at a company level by a corporate attitude which puts the company first and the customer second. Whether investing in a pre-paid funeral plan or dealing with the tragedy of losing a loved one, any customer is potentially vulnerable and therefore needs to be provided with the greatest levels of protection and reassurance. At Golden Leaves, we pride ourselves on looking to put our customers first, at every level – including our own board of trustees who have a significant background in Consumer Protection.”