I wanted to arrange my own funeral, so my family don't have to worry about it - I know what I want. Fixing the price at todays cost is a bonus I didn't expect
The Golden Leaves Zinc Plan
This plan provides a simple funeral service, including the professional services of the funeral director, a hearse to meet the mourners and a simple coffin. The time and date of the funeral service is set by the funeral director. This plan includes a contribution only towards third party fees such as cremation, cemetery or clergy fees*.
- Cremation or burial
- Basic coffin
- 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
- Removal 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)
- Allowance toward third party fees*
What is not included?
- Choice over the date and time of the funeral
- Cost of third party fees where these are higher than the value of our third party fees allowance*
- Limousine for funeral cortege
*Third Party Fees
*Third Party Fees are fees which have to be paid for things that are outside of the control of the funeral director. Examples are doctors’ charges or fees for church services and the minister, or to buy a burial plot or interment fees.
The Zinc Plan provides a contribution to third party fees of £931 included. Please note that your next of kin or estate may have to pay the balance if these are more than this amount. The cost of the funeral director’s services are guaranteed to be met in full. (See Terms & Conditions).
The Zinc plan provides a basic funeral service with limited services included. This extremely cost effective plan selection however, does not allow the client a choice on the date and time of the funeral service provided or a choice of funeral director. The Funeral Director will be allocated by the company in the client’s locality.
Once you’ve decided on the plan that best suits your needs, just talk to us and we can arrange the payment method that is most appropriate to your personal circumstances. Payments can be made by way of low Fixed Monthly Payments, single payment, or by instalments over 12-96 months.
Contact us if you would like a more detailed chat about all your options.
Call 0800 85 44 48.
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 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.
Regional variations in pricing
Our plan prices are based on a national average – in some areas of the country the prices of services may be considerably higher – should your chosen funeral director not accept the plan at our national average price we will advise you of the regional variation in pricing.
For the Phoenix Life fixed monthly payments plan, your payments are used to buy a whole of life insurance policy, issued by Phoenix Life Limited and arranged by SunLife
Golden Leaves, (who are the beneficiaries of the policy,) will utilise the proceeds of the policy at the time of your death, to provide your chosen funeral services.
With their roots going back to 1810, SunLife has strived to deliver affordable financial products providing peace of mind and excellent service to thousands of customers.
Any more questions?
If you require any further information and wish to speak with one of our advisors, please select the Request a Callback button, submit your details and a member of staff will contact you shortly. Alternatively you may find the info you require in our FAQs section.
You can also call us on 0800 85 44 48
Zinc Plan Costs
The deposit amount assumed in the illustrative calculations for 24-96 months shown above has been set at £49. Although a higher deposit will be accepted. A higher deposit will lower your monthly payment.
Finance arrangements of 24 – 96 months are provided by Funeral Safe who are the lender.
Funeral Safe Representative example
Credit amount of £3089.00 with an upfront arrangement fee payment of £49.00 and monthly repayments of £152.71 over a term of 24 months at a rate of interest per annum (fixed) of 12.99%. This is the equivalent to 15.99% APR representative. Total amount repayable is £3714.04. We will do a credit assessment of your circumstances when you apply. Credit available subject to status and personal circumstance to UK residents aged 18 years and over. Funeral Safe finance is available over terms of 2 – 8 years with (fixed) APR rates from 11.99% based on your personal circumstances. We reserve the right to refuse any application. Information correct as of 01/09/2023. Funeral Safe limited is authorised and regulated by the Financial Conduct Authority and is the Lender (FRN:765110).
**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 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.
Fixed Monthly Payments
*Price illustrated is based on starting the policy aged 50. Insert your correct age when purchasing the plan to see the applicable monthly payment.
There is a compulsory deposit of £25 payable to Golden Leaves.