Pre-Paid Funerals

We will assist with any information required on the various options with regard to pre-arranging a funeral, or if desired, we will recommend a pre-paid funeral company.

There are many pre-paid funeral companies on the market today, and many agents, large organizations, even charities now receiving commission for selling or endorsing such plans. As we have stated above, it is our policy not to accept these fees, and we pass those savings on directly to the family purchasing the plan.

At THOMAS McMULLAN FUNERAL SERVICES LTD we are able to offer you a bespoke funeral plan working in conjunction with Golden Charter.

The advantages of taking out a funeral plan are:

•     An option to personalise your plan

•     Peace of mind that your money is secure

•     You can make one payment or spread the payments if needed


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Avoid rising funeral costs

Taking a decision now to plan for your funeral and at today’s prices is a sound financial decision. Back in 2004, an average funeral cost around £1,920. However, recent research (Mintel 2012) shows the average cost of a funeral in the UK is now £3,284 – an increase of 71% in eight years, well above the general level of inflation. If this trend continues, the average cost of a funeral in 2020 will be more than £5,600. A funeral plan from Golden Charter lets you fix the cost of your funeral at today’s prices, when you choose cremation. There will be nothing more to pay for your funeral, no matter how much costs rise.

Planning your Arrangements

You can choose from a number of plan options to match your budget and preferences, and specify particular requirements within those options. You can decide everything in advance if you wish, down to the kind of music you’d like – and there’s no charge for changing or updating your wishes at a later stage.

Security and simplicity

When you take out a funeral plan, you have the reassurance that your money is protected. Your money is invested to ensure that, whatever happens, there will be sufficient funds available for your funeral to take place as specified – providing protection against inflation, rising costs, or any change to Golden Charter’s company status.

Taking out a plan is a simple and thoughtful way to provide for your family and take care of things you would prefer not to pass on after you’ve gone, such as funeral costs and the stress of making detailed arrangements. Instead you give your family the comfort and reassurance that they are carrying out your specific wishes. Taking out a funeral plan is one of the most thoughtful decisions you could make A sound financial decision. When you take out a funeral plan from Golden Charter, you have the reassurance that your money is protected. You select how you wish to pay for your plan and, depending on your choice, your money is paid into the Golden Charter Trust or to one of the UK’s leading life assurance companies. The Golden Charter Trust is a separate entity, run by an independent Board of Trustees, whose sole purpose is to manage the Trust’s funds. Your money grows and, when the time comes, your selected funeral director receives the payment, including any growth, and uses this money to provide the agreed services to your family. No matter how much costs have risen in the intervening period, your loved ones will not be asked for a penny more for the guaranteed services included within your plan. Your are also protected by the Funeral Planning Authority (FPA), of which Golden Charter is a member. The FPA exists to protect plan holders’ interests and ensure that their money is safeguarded.