Pre-paid Funeral Plans
Ormskirk, Aughton, Burscough, Lancashire
If you are looking for pre-paid funeral plans, contact our funeral directors today. We offer Golden Charter Funeral Plans for clients throughout Ormskirk, Aughton, Burscough and Lancashire.
Talking about death and funerals isn’t easy. And yet there are several very good reasons why having a funeral plan in place makes perfect sense – from an emotional, practical and financial point of view.
From a traditional funeral, to something simpler, with a plan in place you can make sure you get the send-off you really want.
Call Golden Charter on 0800 090 2495 and quote MLS Independent Funeral Directors.
Types of Pre-Paid Funeral Plans
There are three specific types of funeral plans available, and they fall into these categories:
- Burial Funerals: This is a funeral service where the deceased are buried underground, and mourners attend to grieve with loved ones.
- Cremation Funerals: These are funeral services in which the deceased is cremated, and their ashes are stored in an urn for loved ones to keep or scatter on their own. Mourners can also attend to grieve with loved ones.
- Direct Cremation Funerals: Direct cremation is a funeral service in which the deceased is cremated, and there are little to no mourners. It is done privately.
If you are over the age of 18, you are legally allowed to take out a funeral plan. However, be wary that some providers have their own regulations, and you cannot use their funeral plans till you are at least 50.
Paying for your funeral plan with monthly instalments, sometimes there is an age limit. The age limit is usually around 80; after this age, you're expected to pay upfront.
We encourage clients to invest in funeral plans for many reasons, but you must think carefully and not rush into purchasing one, as they aren't for everyone.
Call Golden Charter on 0800 090 2495 and quote MLS Independent Funeral Directors.
Golden Charter Funeral Plans
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.
The value of the allowance included in your plan may grow over time. 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.
Golden Charter can provide you with all of the information you need to make an informed decision for you and your family, so get in touch today for pre-paid funeral plans.
Call Golden Charter on 0800 090 2495 and quote MLS Independent Funeral Directors.
Bespoke Funeral Plans
At MLS Independent Funeral Directors, we’re proud to partner with Golden Charter, one of the UK’s largest funeral plan providers. With a Golden Charter funeral plan you can choose us as your preferred funeral director. When the time comes, we’ll take care of your wishes locally with the utmost care and respect.
It means your Golden Charter funeral plan offers the best of both worlds – the reassurance of a leading plan provider and our personal care and service when it matters most.
Rest assured, a plan from Golden Charter is available to all UK residents regardless of age or state of health. Would you like to know more information about how a Golden Charter funeral plan could work for you?
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?
MLS Independent Funeral Directors is an introducer appointed representative of Golden Charter Limited trading as Golden Charter Funeral Plans which is authorised and regulated by the Financial Conduct Authority (FRN:965279).
Golden Charter can provide you with all of the information you need to make an informed decision for you and your family, so get in touch today for pre-paid funeral plans.
Call Golden Charter on 0800 090 2495 and quote MLS Independent Funeral Directors.
Biggest Benefits of a Funeral Plan
One of the most notable advantages of funeral plans is that they are cost-efficient.
If the cost of funerals rises in the future because of inflation, your funeral plans will remain protected.
Suppose you purchase your funeral many years early, for around £3,000; in the years passing, the cost is bound to rise. If it rises a few thousand, your loved ones won't be expected to pay the difference once you have passed.
By paying for a funeral plan in a lump sum or monthly instalments years in advance, you can effectively relieve your loved ones of any financial burdens.
Pre-paid plans also allow you to plan a service that is tailored to your preferences. This will also make the process less stressful for your loved ones when you do pass. They'll have an outline of all the songs, hymns, prayers or readings you would like.
Alongside this, loved ones won't have to second-guess what you would've wanted to happen to your body (i.e., burial, cremation, etc.).
If you're a very religious person, or perhaps you have very environmentalist values, you may be very particular about what happens to your body when you pass. This can make pre-planning crucial for certain people.
The Coverage Provided
The coverage you receive for your funeral service depends primarily on the provider and plan you select.
There are two clear costs regarding pre-paid funeral plans, and these are cremation or burial fees and funeral director fees.
Most pre-paid plans are guaranteed to cover the following:
- Cremation or burial
- Caring for the body
- Funeral director's services
- Ministers' fees
- Church service
- Transport
- Viewings
Frequently Asked Questions
About Pre-paid Funeral Plans
Find out more about pre-paid funeral plans from our frequently asked questions. If you require any further information, feel free to get in contact on 01695 424 888.
A pre-paid funeral plan allows you to pay for your funeral in advance, locking in today’s prices for the services included. You choose a plan, make payments upfront or in instalments, and the funeral provider ensures your wishes are carried out when the time comes.
Plans typically cover core services such as the funeral director's fees, the coffin, transport of the deceased, and cremation or burial fees. Some plans may include additional services like a minister’s fees or floral tributes.
Yes, most plans allow you to personalise arrangements, such as choosing music, readings, or specific service details, depending on the plan provider.
The main benefits include financial security by avoiding future price increases, relieving your family of the financial and planning burden, and ensuring your funeral is conducted according to your wishes.
Reputable providers safeguard funds through trust accounts or insurance, ensuring the money is secure and available when needed.
Most providers allow you to transfer your plan to another location, though there may be additional fees depending on local service costs.
If the provider is regulated and funds are held securely, another provider may honour the plan, or your money may be refunded. Check the terms and conditions of your plan for specific details.
Some costs, such as headstones, burial plots, or third-party expenses (e.g., doctors’ fees), may not be included. Ensure you review the plan details carefully to understand what is covered.
Yes, many providers offer flexible instalment options, ranging from monthly to annual payments, with varying terms.
This depends on the provider. Some plans cover costs if you have made a minimum number of payments, while others may require your family to pay the remaining balance. Always check the terms of your agreement.
If you live in Ormskirk, Aughton, Burscough or the surrounding areas of Lancashire we can help you find out more about pre-paid funeral plans.
Call today on 01695 424 888.
We will be happy to discuss any questions that you have about our funeral services.
Call Golden Charter on 0800 090 2495 and quote MLS Independent Funeral Directors.