Pre-Paid Funeral Plans

We are agents for and are pleased to recommend Independent Way funeral plans by Golden Charter, the UKs leading funeral plan provider.

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. 


At Steven Stewart Funeral Directors, we work in partnership with Golden Charter to provide you with a simple way to plan ahaead. As one of the UK's largest funeral plan providers*, Golden Charter has helped 900,000 people make fuernal 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. When you get in touch, we'll be happy to discuss your funeral requirements and tailoer a plan to suit you. Rest assusred a plan from Golden Charter is avaialable to ll UK residents regardless of age or state of health. 


*Based on a Golden Charter analysis and independent research of the funeral plan market size as at January 2023


**Correct at March 2023


A Plan To Suit Your Needs


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 convienient for you. if you'd prefer to discuss this over the phone or ia 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. 


What's Included in a Pre-paid Funeral Plan?


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 typically include:

  • Professional services and making the arrangements for the funeral
  • Transportation of th edeceased from the place of death to our premises, chapel of rest or other suitable location. 
  • Care of the deaceased and preparations for the family viewing if requested. 
  • Advice oon the certification and registration of the death and related documenation. 
  • Provision of funeral vehicales.
  • Advice on bereavement counselling. 
  • Coffin or casket requested. 

Although a pre-paid funeral plan can cover all the services above, there are some additional third party costs to consider. These are the costs for essentail, 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 towrads some third party costs. They may include:

  • Crematorium Fee
  • Minister or Officiant's Fee
  • Cemetery fee: teh opening of a new or existing grave for burial or interment of cremated remains

Other third party costs that may be associated with a funeral include:

  • Purchase of grave or lair
  • Hire of church or other venue
  • Fees for organists or soloist
  • Memorial, such as a headstone, entry in a book of remembrance, or the planting of a tree
  • Catering, floral tributes and newspapers anouncments

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 you plan. However, even if prices rise in 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. 


Payment Options to Suit You


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 decesion. 


The retail price of your funeral plan is representative of the equivalent cost of a funeral today plus an arrangement fee of £285 which is retained by Golden Charter to help cover the costs of setting up your plan. 


Your payment sare held within the Golden Charter Trust, With £1.2 billion under management,(1) 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


Looking After You As a Customer


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 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 nominiated representative will recieve a letter which will provide details of your plan and our details, as your chosen funeral director. They will have no authority to make any changes to your plan. 

You'll also recive a statement from Golden Charter every three years which will be sent via your preferred contact method. 


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 arrangement underway. 


Ready To Take The Next Step? Get In Touch Today


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?


Based on a Golden Charter analysis and independent research of the funeral plan market size as at January 2023.


Correct at October 2023


Confirmed by Golden Charter Trust's audited accounts at March 2023 



Steven Stewart Funeral Directors Ltd 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).


  1. Confirmed by Golden Charter Trust's audited accoounts at 31st March 2022











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