A funeral plan is an easy way to arrange the funeral you want in advance. A plan allows you to specify your wishes and pay for the funeral director’s services included in your plan. As customers often tell us, that can bring peace of mind to you and your family. A plan from Golden Charter also includes an allowance towards third party costs. These are essential, non-funeral director services such as the cremation or burial fees, plus the minister or officiant’s fee to perform the service.
Everyone has different needs when it comes to funeral planning, so we make sure the plans we offer are as flexible as possible.
At Averil Phillips & Family, we work in partnership with Golden Charter to provide you with a simple way to plan ahead. As one of the UK’s largest funeral plan providers1, Golden Charter has helped nearly 1 million people to plan ahead2, so we’re completely confident in offering their plans to you.
Everyone has different needs when it comes to funeral planning, so we make sure the plans we offer are as flexible as possible. When you get in touch, we’ll be happy to discuss your funeral requirements and tailor a plan to suit you. Rest assured a plan from Golden Charter is available to all UK residents regardless of age or state of health.
As an independently owned funeral director, we’ll take the time to understand your wishes and tailor a plan to suit you. We can discuss these at our premises or in your home, at a time that is convenient for you. If you’d prefer to discuss this over the phone or via email, we can assist with this too. You can tell us about any preferences you have in mind – the type of funeral you would like to have, hymns, music or any other personal touches – and we’ll make sure your plan takes these into account.
With a Golden Charter funeral plan, you can pay for your plan in several ways. Spread the cost or make a one-off payment – simply choose the one that’s right for you. We will provide you with the information you need to make an informed decision.
The retail price of your funeral plan is representative of the equivalent cost of a funeral today plus an arrangement fee of £350 which is retained by Golden Charter to help cover the costs of setting up your plan.
Your payments are held within the Golden Charter Trust. With almost £1.21 billion under management3, the Trust is operated by a Board of Trustees, completely independent of Golden Charter. Their role is to hold your payments and ensure that the funeral director services in your plan can be paid for at the time they are required – however far into the future that may be. For more information on how your payments are protected, please visit goldencharter.co.uk/faqs
As a Golden Charter plan holder, you’ll receive personalised plan documents, which include a summary of your plan, our details, your plan holder certificate and a personal membership card for you to carry in your purse or wallet. You can add a nominated representative to your plan if you wish to do so. Your nominated representative will receive a letter which will provide details of your plan and our details, as your chosen funeral director. They will have no authority to make changes to your plan.
You’ll also receive a statement from Golden Charter every three years which will be sent via post.
As your funeral director, we’ll hold full details of your funeral plan. When the time comes, one phone call is all it takes to activate your plan and get the arrangements underway.
Our funeral director’s services will be covered in your funeral plan, which means our fees will be fixed at today’s prices and protected against rising costs. These services typically include:
Although a pre-paid funeral plan can cover all of the services above, there are some additional third party costs to consider. These are the costs for essential, non-funeral director services required to carry out a cremation or burial which need to be paid at the time of the funeral. These costs are outside our control. Depending on the plan type chosen, a Golden Charter funeral plan can include a contribution towards some third party costs. They may include:
Other third party costs that may be associated with a funeral include:
There will only be more to pay at the time of the funeral if the third party costs exceed the allowance when you buy your plan, or if the costs increase by more than the growth of your plan.
However, even if prices rise in the future, you’ll have the reassurance of knowing there’ll be nothing more to pay for our funeral director’s services included in the plan once your plan is fully paid for – guaranteed.
As well as the comfort of having a plan in place, you’ll have the peace of mind that comes with being able to help save your family from worry and expense in the future. So why not take the next step?
1Based on a Golden Charter analysis and independent research of the funeral plan market size as at December 2024.
2Correct at September 2024.
3Confirmed by Golden Charter Trust’s audited accounts at 31 March 2024.
Averil Phillips & Family is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).
Should a Funeral Director have a Legal Entity name which is different from their trading name, the Legal Entity name must be mentioned in the disclosure as follows:
Averil Phillips & Family Ltd trading as Averil Phillips & Family is an appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).
We used used Averil Phillips for my dads funeral last month. Jacky was great and arranged a personal route for my dads final journey which was faultless. Staff are all compassionate and respectful. I would both
Recommend and use their services again if circumstances required.
Harry
Excellent, caring, professional, empathetic with outstanding service and so much dignity shown
The whole team are amazing and helped me at one of the worst times I’ve had to go through, losing my mum. Thank you so much I highly recommend this company.
Alison
Warm thank you to the whole team at Averil Phillips (Kettering), especially Tim, Jacky, Averil. You all helped make a sad day as good and positive an experience as it could possibly be. Equally grateful to vicar Phil & Isham chapel. Warm and personal, a great send-off for Dad, thanks again
John
We would have no hesitation in highly recommending Averil Phillips. We received first class service. We were kept well informed in a warm, friendly manner and felt very much looked after. Losing our lovely, lovely dad was heartbreaking but Tim was nothing but kind and compassionate and with us every step.
Jo
There aren’t enough words to express how fantastic Averil Phillips have been for both of my grandparents funerals in the past 12 months. Their care and compassion knows no bounds, all whilst being incredibly professional. I cannot recommend them highly enough, thank you.
Michael
Everyone at Averil Phillips has been kind, caring and compassionate. Their professionalism is outstanding and their attention to detail sets them apart from everyone else. Throughout, we were cared for by Jacky. From helping us with dates, to making sure everything was perfect on the day for Dad.
Katie
We are dedicated to handling your family’s day in a professional and compassionate manner. Here are some kind words from our clients.
Averil Phillips & Family Kettering
Northampton House, Station Road
Kettering, Northamptonshire, NN15 7HH
01536 511197
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Averil Phillips & Family Oundle
The Angel, 4 St Osyth’s Ln, Oundle, Peterborough, PE8 4BG
01832 272251
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Averil Phillips & Family Corby
St. Andrew’s Church, Occupation Rd, Corby, Northamptonshire, NN17 1EB
01536 850300
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