Free £300 Funeral Benefit Option

When you take out British Seniors Over 50s Life Insurance, you will be offered the Funeral Benefit Option which 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 used for your funeral will be paid to your estate or next of kin. 

The Funeral Benefit Option is provided by Golden Charter, who work with one of the UK’s largest network of funeral directors.

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, Isle of Lewis HS1/2, AB35, LA12/14/18, IV10, IV27, HS9 Isle of Barra, HS3/5 Isle of Harris, PA62 Isle of Mull, PA29 Tarbert.

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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

  • The value of the £300 funeral benefit contribution is fixed and therefore may not keep up with inflation. There is no cash alternative. If you activate this option on a joint policy, the £300 contribution is per person

  • If you pass away in the first 12 months of holding your policy, any amount due under your policy would be paid to your next of kin or estate rather than to Golden Charter. In this case, the funeral can still be provided by the funeral director, with the £300 funeral benefit contribution still applied, provided that your next of kin and funeral director agree directly on the payment arrangements for the cost of the funeral

  • If you die as a result of a non-accidental death after 12 months of holding your policy, British Seniors will pay your benefit amount to Golden Charter up to the cost of your funeral

  • If you die as a result of an accident after 12 months of holding your policy, British Seniors will pay out twice your benefit amount. Only your original benefit amount will be paid to Golden Charter, up to the cost of your funeral. The remaining benefit amount will be paid out to your next of kin or estate.

  • If you have put your insurance policy into Trust or you already have a Golden Charter Funeral Plan, you will not be able to choose the Funeral Benefit Option

  • If you activate the Funeral Benefit Option, you consent that your personal information will be shared with Golden Charter and third-party funeral directors, to enable them to arrange and administer the Funeral Benefit Option. Golden Charter may need to contact you to appoint a funeral director for you

  • You can cancel the Funeral Benefit Option at any time. Should you wish to cancel, please call British Seniors on 0800 542 7618 or email: service@britishseniors.co.uk

  • If you have a complaint about the Funeral Benefit Option, please call Golden Charter on 0800 171 2955 or, email: customer.resolution@goldencharter.co.uk

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