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.

What is a funeral plan?
A funeral plan is an easy way to pre-arrange the funeral
you want and pay for the funeral director’s services in advance. A plan can save your family
worry and expense, and help make things easier for your loved ones at a difficult
time. As our customers often tell us, that can be a big weight off your mind.

It’s an easy way to do something amazing for your family.
Few people like to talk about their funeral, and an Independent Way Funeral
Plan can make things easier for everyone – so that when the time comes, just
one phone call is all that’s needed to activate your plan. Everything will then
be taken care of, and carried out according to your wishes, relieving your
family of the stress and financial worry they may otherwise have to face.

Everyone has different needs when it comes to funeral
planning, so we make sure all our plans are as flexible as possible. When you
get in touch, we will be happy to discuss your funeral requirements and tailor
a plan to suit you. And rest assured, our plans are available to everyone,
regardless of age or state of health.

Why planning ahead makes great financial sense
You might be surprised to hear that, while the average
cost of a funeral in 2010 was £2,857, by 2019 it was £4,417.1. That’s an
increase of 55% in less than 10 years – well above the general rate of

Sources: SunLife Cost of Dying Report 2020.

Planning ahead the with Independent Way Funeral Plan
Most people don’t want to think about arranging their own
funeral, which is only natural. But there is some quiet satisfaction to be
gained from putting your affairs in order and reflecting on the most
appropriate arrangements.

A plan that’s tailored to your needs
As an independent funeral director, we’ll take the time
to understand your wishes and tailor a plan to suit you exactly. We will gladly
meet you at our premises or in your home at a time that suits you. 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.

We’re here to help
We understand that it
can be hard to think about your funeral and you may not be sure where to start.
As your local expert, we’re here to help. When you get in touch we’ll be happy
to discuss your funeral requirements and find the plan that suits you best.

What funeral costs do I need to cover?

As well as the funeral
director’s services, which are guaranteed to be covered as set out in your
plan, there are other costs you need to consider:

Funeral director services:
These costs are
guaranteed to be covered by your Independent Way Funeral Plan. They typically
services and making arrangements for cremation or burial
of the deceased from place of death to the funeral director’s premises, chapel
of rest or other suitable location Care of the deceased and preparations for
family viewing if requested
Advice on
the certification and registration of death and related documentation
of funeral vehicles
Advice on
bereavement counselling
Coffin or
casket requested

Third party costs:
These costs are beyond
the control of the funeral director but will be paid by them, to the relevant third
parties, at the time of the funeral. They may include:
or officiant’s fee
of grave or lair
fee: the opening of a new or existing grave for burial or interment of cremated

Hire of
church or other venue
Fees of organist
or soloist
such as a headstone, entry in a book of remembrance, or the planting of a tree
floral tributes and newspaper announcements

Choose how you would like to pay
Spread the cost or
make a one off payment. Golden Charter funeral plans offer a number of ways to
pay for your funeral plan – simply choose the one that’s right for you.

Single payment option
You can make a one-off
single payment for immediate cover.

12 monthly payment option
If you would prefer to
spread the cost, you can pay over 12 monthly payments by Direct Debit at no
extra charge.

Low cost instalments payment option
If you would like to
spread the cost over a longer period for a lower monthly payment, our low cost
instalments payment option offers terms of between two and 30 years payable by
Direct Debit.

Fixed monthly payment option
We also offer a fixed
monthly payment option where you pay a fixed monthly amount by Direct Debit,
based on your age at time of application and choice of funeral plan, which is
payable for life or until the age of 90.

*As well as covering
the delivery of your funeral as per the terms and conditions of your plan, your
plan price includes a one off £249 administration fee which Golden Charter
receives to cover the cost of setting up, managing and administering your
funeral plan.*

Your payments are safe and secure in the Golden Charter Trust
With a
Golden Charter funeral plan your payments are protected.
Your money
is paid into the Golden Charter Trust* which is run by a Board of Trustees,
completely independent of Golden Charter.
Trustees are chosen for their skills and experience, and safeguard the payments
made by our customers.
They make
sure all future funerals can be paid for, which means we can guarantee the
funeral director’s services included in your plan will be delivered at the time
they are required.

To find out more about
the Trust and how it protects customers’ funds, visit

* This excludes the
fixed monthly payment option where money is paid to a UK life assurance company
and managed by them.

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?

Remember, Independent
Way plans are available to everyone, not just those aged over 50, and there are
no medical or health questions to answer when you apply.

Looking after you as a customer
As an Independent Way
plan holder, you’ll receive personalised plan documents, which include a
summary of your plan, your funeral director’s details, your plan holder
certificate and a personal membership card for you to carry in your purse or

Your funeral director
will 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.

For more information or advice on prepaid funeral planning, please contact our funeral director who will be happy to discuss your requirements.

Copyright © 2018 Steven Stewart Funeral Directors Ltd

Name & Registered Office:

Steven Stewart Funeral Directors Ltd

Unit 1 

The Granary Business Centre

Coal Road


KY15 5YQ


Company No: SC468935

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