Get a FREE £300 contribution towards the cost of your funeral1
Help cover funeral costs, outstanding debts, or even leave behind a gift.
Funerals can be an emotional time for many people. Unfortunately, the cost of a funeral can also cause a great deal of stress. According to our research, the average overall cost of a funeral in the UK now sits at £4,663 and could rise to more than £8,000 depending on the choices made.2 This can often mean that at short notice a funeral can put loved ones under financial pressure.
When you take out either a British Seniors Over 50 Life Insurance policy or a Funeral Insurance Plan, you will be offered the Funeral Benefit Option, which is provided in partnership with Golden Charter. British Seniors work in partnership with Golden Charter, who are owned by an association of independent funeral directors. This comprehensive funeral arrangement means that you’ll get a £300 contribution towards the cost of your funeral1, and you can specify your funeral preferences in advance.
If you choose to include this free benefit with your life insurance, we’ll simplify your payment arrangements by paying your benefit amount directly to Golden Charter.
If you decide to go with the Funeral Benefit Option, Golden Charter will appoint a funeral director in your local area to take care of your funeral arrangements.
Within 6 weeks you’ll receive Funeral Benefit Option documents from Golden Charter. In the welcome pack you’ll get the details of the appointed funeral director, and a personal wishes form if you wish to specify any requests for your funeral. You’ll also get the information you need to pass to your next of kin, so they know what to do when the time comes.
When you pass away, your next of kin simply makes one call to the appointed funeral director to get things in motion. At this time the benefit amount from your insurance policy will be paid to Golden Charter to help cover the cost of your funeral. Along with this your appointed funeral director will contribute £300 towards the cost.
If your funeral costs less than the benefit amount and the £300 contribution, any balance will be paid out to your next of kin or estate. In the case that your funeral costs more than the benefit amount and the £300 contribution, your next of kin or estate will need to pay any outstanding money to the funeral director. If you choose an unattended cremation, please note that the £300 contribution will not apply.1
To thank you for choosing British Seniors to help protect your loved ones, we’re giving you a £125 Gift Card from one of three top UK retailers. The choice is yours and you can spend it however you want.
We’re the UK’s No.1 rated provider of Over 50s Life Insurance, with the highest ratings of all Over 50s Life Insurance providers on Trustpilot, Google, and Reviews.io. See how we compare here. We’re rated ‘Excellent’ by Trustpilot with a TrustScore of 4.9 and more than 10,000 reviews. We're also rated platinum on Feefo – based on independent customer reviews, having achieved a Gold for more than three years in a row. In 2023 we were shortlisted in the Best Life Insurance Provider (over 50s) category by What Mortgage in their annual awards.
Golden Charter partners with funeral directors to provide the £300 Funeral Benefit Option contribution. They are owned by an association of independent funeral directors, and work with over 2,900 across the UK, many of them family-run businesses that have served their communities for generations.3
We’re here to help you protect the ones you care about most. Call our specialist UK team to explore your options and get your free quote.
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£125 Gift Card, for new policy holders only, after six successful monthly payments and once your total premiums paid exceeds the value of your Gift Card. Restrictions apply, see www.amazon.co.uk/gc-legal. View full terms and conditions here.
If you choose an unattended cremation, please note that the £300 contribution will not apply. An unattended cremation means any cremation where there is no funeral service, funeral procession (or other services such as family viewing, limousine(s), embalming or delivery of ashes). The cremation is arranged at a crematorium at a date and time chosen by the allocated funeral director and without anyone attending other than the funeral director’s staff.
Based on number of funeral director branches in the UK accepting Golden Charter plans as at March 2023.