Pre-payment Funeral Plans
Leave your family nothing to pay but their respectsWe offer pre-payment funeral plans from Golden Charter as 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.
Peace of mind for you and your family.
A plan from Golden Charter also includes an allowance towards third party costs. These are essential services that we have no influence over such as cremation or burial or officiant fees. This means you get the funeral you want that suits your budget. We work in partnership with Golden Charter to provide you with a safe and reliable way to plan ahead. As one of the UK’s largest funeral plan providers*, Golden Charter has helped almost 900,000 people make funeral provisions** 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. Golden Charter plans are available to all UK residents, regardless of age or state of health.
*Based on selling 14% of funeral plans in the UK in 2021 and almost 900,000 plans as at April 2022
**Correct at April 2022
William Purves Funeral Directors Limited 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).
Registered in England No. 02511598 Registered Office: One Fleet Place, London EC4M 7WS.
01382 825 726
To find out more about James L Wallace pre-payment funeral plans
simply make an appointment with one of our expert team today.
Clever Way to Beat Rising Costs
The price of funerals has been rising year on year for two decades. In particular, charges relating to crematoria and cemetery services have outstripped funeral director fee rises. This is set to continue. Our prepayment plans fix our fees at today’s rates. The highest standards we offer are guaranteed for plan holders at their time of need. Plans offer real financial protection. More importantly, they provide peace of mind to individuals, families and those with dependents.
SunLife Cost of Dying Report 2021
- 2027 – £7,298
- 2021 – £4,184
- 2004 – £1,920
Record a Plan of Wishes
Discover the choices available to suit every preference and budget, whether you would like a burial or cremation.
Pre-payment funeral plan FAQs
Can I personalise the plan?
Plans are designed exclusively around your personal wishes. You can be as ambitious as you like and we will provide accurate costing for you to consider. Our plans can always be upgraded or reviewed as time goes by.
Can I buy plans for other people?
You can purchase a plan for anyone you wish: children, parents, even non-family members as a plan holder's representative. You will be the main contact so confidentiality is preserved. It is advisable to let someone close to you know about the plan you have bought as they will need to understand what is covered in the plan.
Is my money secure?
Your money is protected. Depending on how you pay, the money is paid into the Golden Charter Trust or to a leading life assurance company, not to us. The Golden Charter Trust is a separate entity run by an independent Board of Trustees regulated by the Financial Conduct Authority (FCA), Prudential Regulation Authority (PRA) and member of the Financial Planning Authority (FPA).
What happens if I move house?
Your plan is still valid no matter where you live in the UK. However, if you move to a new area, you may want to transfer the plan to a local independent funeral director. We would recommend contacting Golden Charter who can assist you with the arrangements.
How do I pay for a funeral plan?
You can pay in full, in 12 monthly payments, in low cost instalments over a number of years, or fixed monthly payments by direct debit. Simply choose the one that's right for you.
What are the differences between your plan and an insurance policy?
Insurance plans are for a defined amount. They do no protect against rising costs. If you stop the premiums, you lose the whole policy. Once fully paid, our plans guarantee all funeral director costs no matter how far into the future they're required. In addition, a lump sum set aside as a contribution towards third party costs over which we have no control. In summary, your money grows, and when the time comes we receive the payment, including growth, to provide the services you selected.
