Grandfather playing with grandchild

Free £300 Funeral Benefit Option

In partnership with Golden Charter, who work with one of the UK’s largest network of funeral directors, British Seniors can offer you a Funeral Benefit Option that gives a FREE £300 contribution towards the cost of your funeral. 

So, for example, if your benefit amount is £5,000 and you add the Funeral Benefit Option to your policy, you will have £5,300 in total towards the cost of your funeral.  Any excess benefit amount not paid to Golden Charter for your funeral will be paid to your estate or next of kin.

Elderly mother with daughter getting a train

When you choose the Funeral Benefit Option, Golden Charter will appoint an independent funeral director local to you to take care of your funeral arrangements and provide support for your family.

Your next of kin or estate is under no obligation to use the funeral director appointed by Golden Charter. In the event that they choose not to, your policy benefit amount will be paid to your estate or next of kin as normal, but you will not receive the extra £300 contribution towards the cost of your funeral.

Please note, the Funeral Benefit Option is not available to those who live in the following postcode areas: Orkney KW, Shetland ZE, AB35, Isle of Lewis HS2 and LA18. 

Grandfather with grandkids

How it works

  • When you choose the Funeral Benefit Option, Golden Charter will appoint a funeral director local to you to take care of your funeral arrangements
  • You’ll receive a Funeral Benefit Option Membership Pack from Golden Charter within 6 weeks. This will include details of the appointed funeral director, a personal wishes form for you to complete if you wish to specify particular requests for your funeral, plus information 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 underway
  • The benefit amount from your insurance policy will be paid to Golden Charter to cover the cost of your funeral. Additionally, your appointed funeral director will contribute £300 towards the cost
  • If your funeral costs less than the benefit amount, any balance will be paid out to your next of kin or estate. If your funeral costs more than the benefit amount your next of kin or estate will need to pay any outstanding money to the funeral director

About Golden Charter

One of the UK’s largest funeral planning companies, Golden Charter has helped over half a million customers to take care of funeral arrangements in advance. 

They are owned by an association of independent funeral directors, and work with 3,000 funeral director branches across the country, many of them family-run businesses that have served their communities for generations.

* Based on recent market share of funeral plans sold. For details please see Funeral Planning Authority statistics 2018 by clicking here.

Things to consider